Best Health Insurance in Nevada (2026)

Hometown Health offers the best health insurance in Nevada for 2026, with Silver HMO premiums averaging $627 per month and the state's largest provider network.

Compare top Nevada health plans below.

Written by Mark Fitzpatrick

Updated: July 8, 2026

Advertising & Editorial Disclosure

Key Takeaways

Hometown Health is the best health insurance provider in Nevada, with Silver HMO premiums averaging $627 per month for 40-year-olds.

SelectHealth is Nevada's most affordable insurer at $517 monthly, best for budget-focused adults comfortable with higher deductibles.

Your maximum out-of-pocket cost, not your premium, determines what you'll actually spend if you need serious care.

Nevada premiums jumped 26% for 2026. Check subsidy eligibility at Nevada Health Link before enrolling as 82% of 2026 enrollees received subsidies averaging $516 per month in reductions.

Our review of every 2026 health plan on Nevada's marketplace found four patterns that affect how to compare plans in this state.

Nevada's market splits along geographic lines. Northern Nevada centers on Reno and Renown Health's regional system. The southern market, anchored in Las Vegas, has a different carrier set and different networks.
The 2026 market is structurally different from prior years. Enhanced federal subsidies expired at the end of 2025, pushing average premiums up 26%. Nearly 82% of Nevada Health Link's 2026 enrollees received subsidies averaging $516 a month in reductions, per Nevada Health Link's 2026 enrollment report. The unsubsidized rate and your actual cost after subsidies can differ by thousands of dollars a year.
Nevada's 26% average premium increase has two causes. Expiring federal subsidies account for part of the jump. Rising medical costs (including broader insurer coverage of GLP-1 medications like Ozempic and Wegovy) account for the rest. Some Nevada plans have already reduced or eliminated GLP-1 coverage for weight loss in 2026. Check your plan's formulary if this affects your household.
Nevada has no PPO plans on its marketplace. Every plan is an HMO or EPO. HMO plans require a primary care referral before any specialist visit. EPO plans skip that step. You see specialists directly, but still only in-network.

Best Health Insurance Companies in Nevada

Hometown Health is Nevada's top-rated health insurance provider for 2026, with Silver HMO premiums of $627 monthly and $4,986 average deductibles for 40-year-olds. SelectHealth beats every competitor on price at $517 monthly, saving 40-year-olds more than $1,300 per year compared to Hometown Health. Anthem charges more at $728 but reaches all 82 Nevada cities through Battle Born State Plans.

Hometown Health's 18 primary care clinics and four hospitals are concentrated in northern Nevada. Clark County and Las Vegas metro residents should confirm their ZIP code is in the network before enrolling. Nevada's health insurance options vary by county, so confirming network coverage in your region is the right starting point for any plan comparison.


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.

EPO plans at the Silver tier cost $107 less monthly than HMO equivalents in MoneyGeek's Nevada analysis of 2026. Only two insurers offer EPO in Nevada and neither covers the full state.

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
- Gold plans start at $827 monthly, with a $2,300 deductible
- Silver out-of-pocket maximum of $7,981, the lowest among the eight carriers in the comparison table
- 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 in Nevada for overall value, with a 4.7/5 MoneyGeek score, Silver HMO premiums of $627 monthly, $4,986 deductibles and $7,981 out-of-pocket maximums for 40-year-olds. As Nevada's largest not-for-profit insurer, it connects members to Renown Health's network of 18 primary care locations, 10 urgent care centers and four hospitals in northern Nevada.

Two features set Hometown Health apart from the other top-ranked insurers: Its SENSIBLE Silver HSA HMO IFP plan includes Teladoc virtual visits at $0 on Silver and Gold tiers for flu, infections and minor injuries. Members can access Teladoc from any state, not just Nevada. The MyChart portal lets members schedule appointments, message providers and view test results without a phone call.

Gold plans cost $827 monthly under Hometown Health's Gold HMO structure, with $2,300 deductibles. Anthem Gold is $1,080 and SelectHealth Gold is $1,500. Hometown Health costs less annually for members who expect to hit their deductible and are based in northern Nevada. Its $4,986 Silver deductible is $1,264 lower than SelectHealth's on a near-identical HMO plan.
Hometown Health works poorly for southern Nevada residents. Its 18 primary care clinics, 10 urgent care centers and four hospitals are built around Reno and northern Nevada. Clark County and Las Vegas metro residents who select Hometown Health often find their nearest in-network primary care option is not local. Out-of-network costs on an HMO aren't capped by the in-network deductible, so a single specialist visit outside the network can cost hundreds of dollars before any coverage starts. Anthem and SelectHealth both cover southern Nevada more reliably.

Members who prioritize the lowest monthly premium will find better value elsewhere. SelectHealth's $517 Silver rate saves $1,320 per year over Hometown Health's $627, a $110 monthly difference.

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 carry $1,500 deductibles at $718 monthly
- 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
SelectHealth has Nevada's cheapest Silver premiums through both EPO and HMO plan types, at $517 monthly for 40-year-olds with $6,250 deductibles and $8,250 out-of-pocket maximums. Its Value Silver 5000 Medical Deductible plan is the only no-deductible-for-office-visits Silver option among the top-ranked insurers, a practical advantage for members who see a primary care doctor regularly but want to keep the monthly premium low.

SelectHealth is the only insurer on this list offering both EPO and HMO plan types at the Silver tier. Bronze plans start at $442 for members who want the lowest possible monthly cost and can absorb a high deductible. Gold costs $718 with $1,500 deductibles, and the $201 monthly increase from Silver to Gold cuts your deductible by $4,750. Healthy 40-year-olds in southern Nevada with no expected claims save the full $1,320 annually on SelectHealth's $517 rate.
SelectHealth's $6,250 Silver deductible is the highest among the three top-ranked insurers, $1,264 more than Hometown Health's $4,986 for a near-identical HMO plan type. Members who expect to use their coverage regularly, more than two or three visits per year, will often pay less in total with Hometown Health despite the higher monthly premium.

A single hospital visit on a high-deductible Bronze plan can cost more than a full year of Gold premiums. Budget-focused members who expect more than one visit per year will find lower deductibles with Hometown Health's Bronze plans. Its lowest Bronze deductible is $5,000, against SelectHealth's Bronze floor of $7,500.

SelectHealth has no Platinum-tier plans in Nevada's 2026 market. Anthem is the alternative. Its Gold deductibles start at $1,080 and it has nine HSA-eligible Bronze HMO plans.

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 its Anthem Silver X 3600 for HSA Battle Born State Plan. It has 20 HMO plans across Bronze, Silver and Gold tiers. EPO Bronze starts at $610 monthly. Silver HMO starts at $529 with $3,300 deductibles. Gold costs $1,040 with deductibles as low as $1,080. Nine Bronze HMO plans are HSA-eligible, the broadest HSA-eligible Bronze offering among the three top-ranked insurers.

The Sydney Health app connects members to doctors 24/7 at no cost on most plans for flu, infections and minor injuries. Prescriptions go directly to your pharmacy through the app. Anthem provides a plan that covers all 82 Nevada cities.
Anthem is the most expensive of the three top-ranked insurers at $728 monthly for Silver HMO, $211 more per month than SelectHealth and $101 more than Hometown Health for comparable coverage. Over a full year, that gap versus SelectHealth is $2,532. For Las Vegas or Reno residents with stable access to providers, SelectHealth or Hometown Health deliver comparable or better value at lower cost.

Anthem's Silver HMO out-of-pocket maximum of $8,930 is the highest among the three top-ranked insurers. Hometown Health's $7,981 is the lowest.

Anthem offers only two EPO plans statewide. Members who want EPO access, the direct-specialist model with no referral requirement have limited plan options within Anthem compared to SelectHealth, which offers EPO across multiple tiers.

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

Hometown Health tops every HMO age group in our 2026 Nevada analysis, from $448 monthly for 18-year-olds to $1,331 for 60-year-olds. SelectHealth is the only EPO option, starting at $369 for teens. The premium difference between Hometown Health and SelectHealth is $79 monthly at 18, $233 at 60.


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)

A 60-year-old pays $1,331 monthly with Hometown Health, $883 more per month than an 18-year-old on the same plan. That $10,596 annual gap is large enough that seniors close to 65 should model both marketplace and Medicare Advantage costs before committing to an ACA plan for 2026.

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 provides the best Silver tier plan at $627 monthly with $4,986 deductibles. Nevada has no Expanded Bronze or Platinum plans for 2026.

The Gold vs. Bronze math in Nevada is worth running before defaulting to Bronze. Gold premiums run $196 more per month, but Gold deductibles average $6,364 lower. A policyholder who hits their deductible once: one surgery, one ER visit, one specialist-heavy quarter recovers that premium gap within the plan year. Bronze makes financial sense only for healthy enrollees who are confident they won't approach their deductible.


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

Hometown Health's premium difference over SelectHealth is $79 per month at 18, $110 at 40 and $233 at 60.

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

Shopping for health insurance in Nevada for 2026 starts at Nevada Health Link, the state's official marketplace and the only source where you can access premium tax credits. The steps below cover what to check before you enroll.

Assess your medical expenses and network needs
Nevada's 2026 market has no PPO plans. Your specialist access is determined by which insurer you pick before you enroll. In our data, upgrading from Hometown Health Silver HMO to Gold HMO costs $200 more per month and cuts the deductible by $2,686.

Nevada offers only HMO and EPO plans. HMOs require a primary care referral to see a specialist. EPO plans skip the referral but still restrict you to in-network providers. Neither plan type lets you see any doctor you choose. Your network access is fixed the moment you pick an insurer.
Understand what your deductible actually costs you in a real scenario
Nevada's average deductible gap between Bronze and Gold is $6,364 per year: Community Care's $7,200 Bronze deductible versus Ambetter's $836 Gold deductible. That gap determines how much you pay out of pocket before coverage starts on any single claim.

On Hometown Health's Silver plan with a $4,986 deductible, you pay the first $4,986 of any major medical bill before insurance covers the rest.

On Ambetter's Gold plan with an $836 deductible, you pay $836 before coverage starts, a difference of $4,150 on the same claim.

The $196 per month Gold premium difference costs $2,352 per year. For anyone with one significant health event, Gold recovers that cost within the plan year.

For a 40-year-old who had zero claims last year and expects none this year, Bronze saves $2,352 annually over Gold.
Compare insurers serving your Nevada county
Anthem, Health Plan of Nevada and SilverSummit Healthplan operate in different Nevada regions with different networks and drug formularies. Your doctors must participate in the plan you choose as out-of-network care isn't covered on HMO or EPO plans.
Get quotes during enrollment periods
Nevada Health Link's Open Enrollment for 2026 ran from November 1, 2025 through January 15, 2026. Plans selected by December 31, 2025 received January 1, 2026 coverage. Those who enrolled between January 1 and January 15, 2026 received February 1 coverage. A Special Enrollment Period opens within 60 days of qualifying life events including job loss, marriage, divorce or childbirth. County, age and metal tier all affect your Nevada premium quote.
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 65 and older qualify for Medicare. Medicare Advantage plans bundle hospital and medical benefits with added services. Medicare Supplement plans cover Original Medicare's deductibles and co-insurance.

NO PPO PLANS ARE AVAILABLE IN NEVADA FOR 2026

Nevada's marketplace offers only HMO and EPO plans for 2026, so your network access and referral requirements are determined before you choose an insurer.

HMO plans require a primary care referral before any specialist visit. All care must be in-network.
EPO plans do not require a referral. All care must still be in-network.
PPO plans with out-of-network access are not sold on Nevada Health Link for 2026.
Hometown Health's HMO network covers northern Nevada. Clark County residents should verify ZIP code coverage before selecting it.

How Much Does Health Insurance Cost per Month in Nevada?

Nevada HMO plans for 40-year-olds start at $563 monthly for Bronze and reach $854 at Gold. EPO plans cost less at every tier, from $510 at Bronze to $743 at Gold. Nevada's health insurance premiums rose 26% on average for 2026.


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.

At Gold, HMO plans average $854 monthly, $111 above the EPO rate at the same tier. At Silver, EPO plans are $107 less monthly than HMOs, or $1,284 less per year on identical coverage.

Best Health Insurance in Nevada: Bottom Line

For northern Nevada residents who use care regularly, we'd recommend Hometown Health based on total annual cost. Its $4,986 Silver deductible is $1,264 lower than SelectHealth's for a near-identical HMO plan. For members who expect to hit their deductible, Hometown Health costs less annually than SelectHealth despite the $110 monthly premium gap.

And for healthy adults in southern Nevada who expect zero or one claim this year, SelectHealth's $517 Silver rate saves $1,320 per year over Hometown Health.

Rural Nevada residents and members who travel between Reno and Las Vegas need Anthem's statewide network. At $728 monthly, that premium is real. In my analysis, it is also the only plan that covers all 82 Nevada cities. In 2026, 82% of Nevada enrollees received subsidies averaging $516 per month in reductions. At Nevada's 26% 2026 premium increase, the unsubsidized rate and your actual cost can differ by thousands annually.

Best Nevada Health Insurance: FAQ

Nevada has no state health insurance mandate or penalty for going uninsured. The federal individual mandate penalty was eliminated in 2019, so Nevada residents have no consequences at the state or federal level for skipping coverage. Going uninsured still leaves you responsible for all medical costs.

Nevada Health Link is the only place to access premium tax credits in 2026. For the 82% of 2026 Nevada enrollees who received subsidies averaging $516 per month, buying off-exchange means paying $6,192 more per year for identical coverage. Confirm eligibility before purchasing outside the health insurance marketplace.

Nevada Medicaid covers adults earning up to $22,024.80 per year as a single person, which is 138% of the 2026 federal poverty level. Residents above that threshold may qualify for premium subsidies through Nevada Health Link if their household income falls below $63,840 annually for one person. In 2026, 82% of Nevada Health Link enrollees received subsidies averaging $516 per month in reductions.

Choose HSA-eligible Bronze or Silver plans to reduce taxable income. Apply for premium tax credits at Nevada Health Link if your household earns between 138% and 400% of the Federal Poverty Level, 82% of 2026 enrollees qualified, receiving an average of $516 per month in reductions. Compare at least three insurers before enrolling: identical Silver HMO coverage costs up to $211 per month less between Nevada's top-ranked insurers for the same 40-year-old profile.

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.

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

MoneyGeek reviewed all 2026 health plans across eight carriers on Nevada's marketplace, collecting rates for five age profiles: 18, 26, 40, 50 and 60, across every available metal tier. Plans were ranked on three cost factors: monthly premiums, maximum out-of-pocket limits and deductibles.

Monthly premium (60%): Plans with the lowest average monthly costs score highest.
Maximum out-of-pocket (20%): The annual cap on health care costs beyond premiums. Lower average MOOP limits score better.
Deductible (20%): The amount you pay before coverage begins. Lower average deductibles score higher.

MoneyGeek reviewed every 2026 plan available on Nevada Health Link across nine active carriers, analyzing rates for consumers ages 18, 26, 40, 50 and 60. Premium costs reflect 40-year-old rates unless stated otherwise. The analysis covers all available metal tiers: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum. Nevada has no Expanded Bronze or Platinum plans for 2026, so active comparisons run across Bronze, Silver and Gold.

About Mark Fitzpatrick

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.

Read Full Bio »

Sources

CMS.gov. "What are you looking for today?." Accessed July 20, 2026.
HealthCare.gov. "Welcome to the Health Insurance Marketplace." Accessed July 20, 2026.

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?

What Is the Difference Between Marketplace and Off-Exchange Health Insurance 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

Related Pages

Sources