Best Health Insurance in Nevada (2026)

Hometown Health offers the best health insurance in Nevada with strong value for 40-year-olds. SelectHealth saves $1,300 yearly, and Anthem covers all 82 cities.

Compare top Nevada health plans to match your coverage needs and budget.

Written by Mark Fitzpatrick

Updated: March 2, 2026

Advertising & Editorial Disclosure

Key Takeaways

Hometown Health is the best health insurance provider in Nevada, offering competitive rates and comprehensive coverage across all metal tier options.

SelectHealth offers the cheapest health insurance in Nevada with Silver-tier HMO plans averaging $517 per month.

Compare quotes from multiple insurers, review coverage limits and deductibles and verify your doctors accept the plan before enrolling.

Best Health Insurance Companies in Nevada

Hometown Health offers the best health insurance in Nevada with the state's largest provider network and strong value for 40-year-olds. At $517, SelectHealth beats all competitors on price. That's over $1,300 in annual savings. Anthem charges $728 but covers doctors statewide, letting you see specialists in Reno, Las Vegas or rural areas without switching plans.


Overall Value & Provider Network	Hometown Health	$627	$7,981	$4,986	4.7	SENSIBLE Silver HSA HMO IFP
Most Affordable	SelectHealth, Inc.	$517	$8,250	$6,250	4.5	Value Silver 5000 Medical Deductible - No deductible for office visits
Statewide Coverage	Anthem	$728	$8,930	$4,970	4.2	Anthem Silver X 3600 for HSA (+ Incentives)

*Our picks reflect the best companies for 40-year-olds seeking Silver-tier HMO plans. Rates vary by age and coverage level.

Hometown Health

Best for Overall Value & Provider Network

MoneyGeek Rating

4.7/ 5

4.6/5Affordability

5/5Deductible

5/5MOOP

Average Monthly Rate
$627
Average MOOP
$7,981
Average Deductible
$4,986

pros
- Low $2,300 deductibles on Gold tier plans
- Competitive maximum out-of-pocket limits across most metal tiers
- HSA-eligible plans reduce taxable income
- Network includes 18 northern Nevada clinics
cons
- HMO only
- Bronze plans include high deductibles up to $8,450
Hometown Health ranks first overall in Nevada with the state's most affordable premiums and strongest provider network. Forty-year-olds pay $627 monthly for Silver HMO coverage with $4,986 deductibles and $7,981 out-of-pocket maximums.

Nevada's largest not-for-profit insurer connects members to Renown Health's network of 18 primary care locations, 10 urgent care centers and 4 hospitals throughout northern Nevada.

Virtual visits through Teladoc cost $0 on most plans and are available nationwide for urgent issues like flu, infections, and minor injuries. Gold plans cost $827 with $2,300 deductibles fixed across all coverage. MyChart portal lets you schedule appointments, message providers and view test results without phone calls.

Hometown Health plans in Nevada for 2026:

Data filtered by:


IFP Renown Bronze HMO HSA	$550	HMO	Bronze	$8,500	$5,000	Yes
IFP Renown Bronze HMO Plus	$565	HMO	Bronze	$10,450	$5,225	No
SENSIBLE Bronze HMO IFP	$403	HMO	Bronze	$10,600	$10,600	No
IFP Renown Bronze HMO	$483	HMO	Bronze	$10,600	$10,600	No

SelectHealth

Best for Most Affordable Health Insurance

MoneyGeek Rating

4.5/ 5

5/5Affordability

3.2/5Deductible

4.5/5MOOP

Average Monthly Rate
$517
Average MOOP
$8,250
Average Deductible
$6,250

pros
- Cheapest plans statewide across all metal tiers
- Gold plans feature low $1,500 deductibles and competitive rates
- Offers both EPO and HMO plans across multiple coverage levels
cons
- Bronze plans carry high $8,700 deductibles and $10,025 MOOP limits
- No Platinum-tier plans
Select Health has the state's cheapest Silver premiums through both EPO and HMO plan types. The insurer charges $517 monthly for Silver coverage, Nevada's lowest, with $6,250 deductibles and $8,250 out-of-pocket maximums. Bronze plans start at $442 for budget-conscious members comfortable with higher deductibles, while Gold costs $718 with $1,500 deductibles for frequent medical care.

Select Health plans in Nevada for 2026:

Data filtered by:


Med Exp Bronze 7500 Medical Deductible - No deductible for PCP or urgent care visits	$460	EPO	Bronze	$10,150	$7,500	Yes
Med Exp Bronze 9900 Health Deductible - No deductible for office visits	$457	EPO	Bronze	$9,900	$9,900	Yes
Value Exp Bronze 7500 Medical Deductible - No deductible for PCP or urgent care visits	$445	HMO	Bronze	$10,150	$7,500	Yes
Value Exp Bronze 9900 Health Deductible - No deductible for office visits	$442	HMO	Bronze	$9,900	$9,900	Yes

Anthem

Best for Statewide Coverage

MoneyGeek Rating

4.2/ 5

4.3/5Affordability

5/5Deductible

3.2/5MOOP

Average Monthly Rate
$728
Average MOOP
$8,930
Average Deductible
$4,970

pros
- Battle Born State Plans reach all 82 Nevada cities
- Sydney Health app connects to doctors 24/7 at $0
- Gold deductibles start at $1,000
- Nine Bronze HMO plans offer HSA tax benefits
cons
- Only two EPO plans available statewide
- Silver HMO deductibles reach $6,800 on some plans
Anthem covers all 82 Nevada cities and rural communities through Battle Born State Plans required by law to reach every county statewide. You can pay $610 monthly for its EPO Bronze coverage or choose from 20 HMO plans across Bronze, Silver and Gold tiers. Silver HMO starts at $529 with $3,300 deductibles, while Gold costs $1,040 with deductibles as low as $1,080.

The Sydney Health app connects you to doctors 24/7 at no cost on most plans for flu, infections and minor injuries. Physicians diagnose and send prescriptions directly to your pharmacy from your phone.

Anthem health insurance plans for 2026:

Data filtered by:


Anthem Bronze X EPO 6300 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$611	EPO	Bronze	$9,100	$6,300	Yes
Anthem Bronze Convenient Care X 8500 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$421	HMO	Bronze	$10,600	$8,500	Yes
Anthem Bronze Convenient Care X 7500 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$423	HMO	Bronze	$10,600	$7,500	Yes
Anthem Bronze X 8050 for HSA (+ Incentives)	$635	HMO	Bronze	$8,050	$8,050	Yes
Anthem Bronze X 5500 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$605	HMO	Bronze	$10,600	$5,500	Yes
Anthem Bronze X 6000 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$608	HMO	Bronze	$10,600	$6,000	Yes
Anthem Bronze X 7000 Adult Dental/Vision ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$626	HMO	Bronze	$10,600	$7,000	Yes
Anthem Bronze X 8200 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$583	HMO	Bronze	$10,600	$8,200	Yes
Anthem Bronze X 10600 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$581	HMO	Bronze	$10,600	$10,600	Yes

Best Nevada Health Insurance by Age & Plan Type

Age causes bigger premium gaps than network choice. Young adults pay $502 monthly for Silver-tier coverage, while seniors pay $1,331 monthly. EPO plans start at $535 monthly through SelectHealth. Anthem's EPO networks run $726 monthly. Provider choice matters more than network type. With SelectHealth, moving from HMO to EPO adds $18 monthly, while Anthem charges $191 more for the same switch.


Teens (18)	Hometown Health HMO ($448)	SelectHealth HMO ($369)
Young Adults (26)	Hometown Health HMO ($502)	SelectHealth HMO ($414)
Adults (40)	Hometown Health HMO ($627)	SelectHealth HMO ($517)
Seniors (60)	Hometown Health HMO ($1,331)	SelectHealth HMO ($1,098)
HMO Plans	Hometown Health ($627)	SelectHealth ($517)
EPO Plans	SelectHealth ($535)	Anthem ($726)

Best by Plan Metal Tier

Different providers lead each metal tier in Nevada. Community Care Health Plan of Nevada charges $651 monthly for Bronze coverage with $7,200 deductibles. Ambetter's Gold plans cost $847 monthly with $836 deductibles.

Hometown Health leads Silver at $627 monthly with $4,986 deductibles. Gold premiums cost $196 more monthly than Bronze. Gold deductibles cost $6,364 less annually. No Expanded Bronze and Platinum options available in the state.


Bronze	Community Care Health Plan of Nevada	$651	$8,485	$7,200
Silver	Hometown Health	$627	$7,981	$4,986
Gold	Ambetter	$847	$6,943	$836

Compare Health Insurance Companies in Nevada

Monthly premiums, deductibles and out-of-pocket maximums vary across metal tiers and providers. This table compares Nevada health plans by age, coverage level and HSA eligibility.

Data filtered by:


SelectHealth, Inc.	$517	HMO	Silver	$8,250	$6,250	40	No
Imperial Insurance Companies, Inc.	$525	HMO	Silver	$9,200	$6,750	40	No
Hometown Health	$627	HMO	Silver	$7,981	$4,986	40	No
Molina Healthcare of Nevada, Inc.	$638	HMO	Silver	$8,990	$6,000	40	No
Health Plan of Nevada, Inc.	$663	HMO	Silver	$9,007	$5,117	40	No
CareSource Nevada Co.	$716	HMO	Silver	$9,600	$5,400	40	No
Ambetter	$725	HMO	Silver	$8,456	$7,167	40	No
Anthem	$728	HMO	Silver	$8,930	$4,970	40	No

*Some providers offer multiple plans of the same type and tier. Rates are based on company averages across all available plans for the given age, plan type and metal tier.

How to Find the Best Health Insurance in Nevada

Finding coverage requires shopping through Nevada Health Link, the state's own exchange for 2026 enrollment.

Assess your medical expenses and network needs

Last year's prescription refills, specialist visits and planned procedures indicate what you'll spend this year. Frequent care makes higher premiums with lower deductibles worthwhile. HMO, PPO and EPO networks restrict provider choice differently. HMOs need referrals but cost less monthly.

Compare insurers serving your Nevada county

Anthem, Health Plan of Nevada and SilverSummit Healthplan operate in different regions with varying networks and formularies. Your doctors must participate in the specific plan you choose.

Get quotes during enrollment periods

Open Enrollment runs November 1 through January 15. You can enroll within 60 days of losing job coverage, marriage, divorce or childbirth through Special Enrollment. County, age and metal tier affect Nevada premiums.

Check Nevada Medicaid or subsidy eligibility

Nevada Medicaid covers adults earning up to 138% of Federal Poverty Level since the state's 2014 expansion. Marketplace premium tax credits reduce costs for incomes between 138% and 400% of FPL. Silver plans cost $0 monthly for some households. Seniors age 65 and older can select Medicare Advantage plans bundling hospital and medical benefits with extras, or Medicare Supplement coverage paying Original Medicare's deductibles and coinsurance.

How Much Does Health Insurance Cost per Month in Nevada?

Nevada health insurance costs vary by plan type, metal tier, age and location. EPO plans offer the lowest rates in the state, with Bronze coverage averaging $510 monthly and Gold averaging $743. HMO plans start at $563 for Bronze and climb to $854 for Gold tier coverage.


EPO	$510	$599	$743
HMO	$563	$706	$854

*Average monthly premiums for 40-year-olds in Nevada by plan type. Rates vary by age and location.

Best Health Insurance in Nevada: Bottom Line

Hometown Health, SelectHealth and Anthem lead Nevada's Silver-tier HMO market. The best plan for you depends on your age, health needs, preferred network and budget. Get quotes from multiple insurers and compare premiums, deductibles and out-of-pocket maximums to find your best coverage.

Best Nevada Health Insurance: FAQ

Answers to frequently asked questions about the best health insurance in Nevada:

Is health insurance required in Nevada?

No, Nevada does not require residents to have health insurance. The state has no mandate or penalty for being uninsured. While other states offer exemptions for financial hardship or religious beliefs, Nevada residents face no state-level consequences for going without coverage.

When is open enrollment in Nevada?

Nevada's open enrollment for 2026 health coverage begins November 1, 2025, and ends January 31, 2026. You must select your plan by December 31, 2025, to start coverage on January 1, 2026.

Can you get free health insurance in Nevada?

Yes, Nevada residents can access free health insurance through Medicaid if they meet income requirements. Many others qualify for premium subsidies through Nevada Health Link, the state's marketplace, which can reduce or eliminate monthly costs for coverage.

How can I save money on health insurance in Nevada?

Pick HSA-eligible Bronze or Silver plans to cut taxable income. Apply for premium tax credits at Nevada Health Link if you earn 138% to 400% of Federal Poverty Level. Compare three insurers minimum as identical coverage costs hundreds less between companies.

Where can I buy health insurance in Nevada?

Nevada Health Link sells marketplace plans for 2026. Adults earning up to 138% of FPL apply directly for Nevada Medicaid. Seniors 65+ enroll in Medicare, Medicare Advantage or Medigap plans. Short-term plans fill temporary gaps outside Open Enrollment.

Are Nevada health insurance premiums increasing for 2026?

Nevada premiums jumped 26% on average for 2026, the Nevada Division of Insurance says. Medical costs, prescription drug prices, Medicaid unwinding and expiring federal subsidies caused increases. Battle Born State Plans cost 15% below market average.

How We Chose the Best Health Insurance in Nevada

Our ranking system evaluates health insurance plans based on three cost factors: monthly premiums, maximum out-of-pocket limits and deductibles.

Scoring breakdown:

Monthly premium (60%): Plans with the cheapest average monthly costs earn the top scores.
Maximum out-of-pocket (MOOP) score (20%): This represents the most you'll spend on healthcare in a year, excluding premiums. Insurers with lower MOOP limits receive higher ratings.
Deductible (20%): This is the amount you pay before insurance starts covering costs. Plans with smaller deductibles score better.

We standardized all scores within each comparison group. The best Silver-tier HMO plan gets a perfect 5.0 rating, with other plans scored relative to this top performer.

MoneyGeek examined every 2026 health plan offered in Nevada for people ages 18, 26, 40, 50 and 60. Premium costs shown reflect 40-year-old rates unless stated otherwise. Our analysis covers all available tiers: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

Best Health Insurance in Nevada (2026)

Best Health Insurance Companies in Nevada

Hometown Health

SelectHealth

Anthem

Best Nevada Health Insurance by Age & Plan Type

Best by Plan Metal Tier

Compare Health Insurance Companies in Nevada

How to Find the Best Health Insurance in Nevada

How Much Does Health Insurance Cost per Month in Nevada?

Best Health Insurance in Nevada: Bottom Line

Best Nevada Health Insurance: FAQ

Is health insurance required in Nevada?

When is open enrollment in Nevada?

Can you get free health insurance in Nevada?

How can I save money on health insurance in Nevada?

Where can I buy health insurance in Nevada?

Are Nevada health insurance premiums increasing for 2026?

How We Chose the Best Health Insurance in Nevada

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