Best Nevada Health Insurance (2024 Plans)


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

Updated: September 5, 2024

Advertising & Editorial Disclosure

MoneyGeek Logo IconBest Health InsuranceNevada
2024

Best Health Insurance in Nevada

Why Trust MoneyGeek? We downloaded plan data for Nevada directly from the Centers for Medicare & Medicaid Services (CMS). MoneyGeek’s scoring methodology balances costs, claims approval and plan types to find the best providers in the state.

recency icon

Plan data was updated with the CMS exchange data released in October 2023 for the 2024 enrollment period.

113Plans Analyzed
 
16Providers Compared

Best Overall for Health Insurance in Nevada

Ambetter from SilverSummit has the best health insurance in Nevada with a MoneyGeek score of 58 out of 100. It also has the lowest out-of-pocket costs in Nevada. The provider has better management of plan claims than average, and its plans have good affordability in the state.

For our analysis, we looked at 52 silver plans in Nevada, comprising one Silver EPO plan and 51 Silver HMO plans.

MoneyGeek Pick: Ambetter from SilverSummit

Ambetter from SilverSummit

pros

checkmark

Low out-of-pocket expenses

checkmark

Few claims denied

cons

close

Higher premium rates

close

Fewer plan types offered

COMPANY HIGHLIGHTS

MoneyGeek's top pick for the best health insurance in Nevada is Ambetter from SilverSummit. This provider offers 11 Silver HMO plans at an average plan rate of $515 per month and an average MOOP cost of $7,479.

Ambetter from SilverSummit's Silver HMO plans are available for those who prefer a more network-based approach to healthcare. These plans typically require members to seek care within their network of providers. The provider also has a denial rate of 0.15%, which lower than most of the competition.

Plan Recommendations

MoneyGeek recommends the following Silver plans:

  • Clear VALUE Silver: $400 per month; MOOP $5,400
  • Clear Silver: $506 per month; MOOP $5,400
  • Clear Silver + Vision + Adult Dental: $532 per month; MOOP $5,400

Best Health Insurance in Nevada for Low Out-of-Pocket Costs

Imperial Insurance Companies, Inc. offers the best health insurance in Nevada for low out-of-pocket costs with a MoneyGeek score of 57 out of 100. Compared with its competitors, the provider has plans that cost less, and it is better at approving claims.

For this analysis, we looked at 21 Gold plans in Nevada.

MoneyGeek Pick: Imperial Insurance Companies, Inc.

Imperial Insurance Companies

pros

checkmark

Few claims denied

cons

close

MOOP costs are not competitive

close

Average premium rates

close

Limited plan types available

COMPANY HIGHLIGHTS

MoneyGeek's top pick for the best health insurance in Nevada for low out-of-pocket costs is Imperial Insurance Companies, Inc. This provider offers two Gold plans. These types of plans are known for having lower out-of-pocket expenses.

It offers an average plan rate of $586 and an average MOOP cost of $8,350. Imperial Insurance has a denial rate of 0%, which means it has a lower denial rate than most of the competition.

Plan Recommendations

MoneyGeek recommends the following Gold and Platinum plans:

  • Imperial Preferred Gold: $596 per month; MOOP $8,000
  • Imperial Standard Gold: $575 per month; MOOP $8,700

Best Cheap Health Insurance in Nevada

SelectHealth, Inc. earned a score of 67 out of 100, making it the best cheap health insurance provider in Nevada. It has the cheapest plan options and denies fewer claims than most other providers.

We evaluated 52 Silver plans in Nevada for this analysis, including one Silver EPO plan and 51 Silver HMO plans. MoneyGeek gave greater weight to plans with low monthly premiums even though they often mean higher out-of-pocket costs.

MoneyGeek Pick: SelectHealth

SelectHealth

pros

checkmark

Offers affordable premium rates

cons

close

Limited plan options available

close

High maximum out-of-pocket costs

close

High frequency of claim denials

COMPANY HIGHLIGHTS

MoneyGeek's top pick for the best cheap health insurance in Nevada is SelectHealth, Inc. They offer five Silver plans, with an average plan rate of $403 and an average MOOP cost of $8,550. SelectHealth has a denial rate of 15%, which is lower than most of the competition.

SelectHealth provides HMO Silver plans. HMO plans usually require members to stay within the provider network for care.

Plan Recommendations

MoneyGeek recommends the following cheap Silver plans:

  • Select Health Med Silver 6500 - no referrals o...: $394 per month; MOOP $8,000
  • Select Health Value Silver 6500 - no deductibl...: $398 per month; MOOP $8,000
  • Select Health Med Silver Copay Plan Wit: $408 per month; MOOP $9,100

Best Health Insurance for Young Adults in Nevada

SelectHealth, Inc. offers the best health insurance in Nevada for young adults, earning a MoneyGeek score of 55 out of 100. The provider offers plans with competitive prices and has lower-than-average out-of-pocket costs. The rate at which the provider denies claims is also better than average.

We evaluated 37 Bronze plans and four Catastrophic plans for this category. Only individuals under the age of 30 can get Catastrophic coverage.

MoneyGeek Pick: SelectHealth, Inc.

SelectHealth

pros

checkmark

Offers affordable premium rates

checkmark

Denies very few claims

cons

close

Only offers HMO plans

COMPANY HIGHLIGHTS

MoneyGeek's top pick for the best health insurance in Nevada for young adults is SelectHealth, Inc. Young adults often choose lower coverage because they usually go to the doctor less than older people. SelectHealth, Inc. has six Expanded Bronze plans and no Catastrophic plans. The average cost of these plans is about $270 a month with a maximum out-of-pocket cost of $8,833 yearly.

SelectHealth, Inc. does not offer PPO or POS plans in Nevada, but their HMO plans can provide a network of doctors you can see without needing a referral first. The provider has a lower denial rate than most of the competition, at about 15%.

Plan Recommendations

MoneyGeek recommends the following plans for young adults:

  • Select Health Med Exp Bronze 8000 HSA Qualified: $248 per month for 18-year-olds and $278 per month for 26-year-olds; MOOP $8,000
  • Select Health Value Exp Bronze 8000 HSA Qualified: $250 per month for 18-year-olds and $280 per month for 26-year-olds; MOOP $8,000
  • Select Health Med Exp Bronze 9400 - no referral required: $244 per month for 18-year-olds and $274 per month for 26-year-olds; MOOP $9,400

Best Health Insurance by Plan Type in Nevada

Health insurance companies offer different plan types. The best providers for all plan categories in Nevada are:

  • EPO: Anthem Health (MoneyGeek score: 100 out of 100)
  • HMO: Ambetter from SilverSummit (MoneyGeek score: 63 out of 100)

MoneyGeek's recommendations only considered Silver plans. Silver plans typically offer a balance between monthly premiums and what you pay when you avail of health care. Silver plans work well for people who only sometimes need to go to the doctor or be prescribed medicine.

In Nevada, there is one Silver EPO plan and 51 Silver HMO plans.

MoneyGeek Pick for EPO: Anthem Health

COMPANY HIGHLIGHTS

MoneyGeek's top pick for the best health insurance in Nevada for Silver EPO plans is Anthem Health. They offer an average plan rate of $520 and an average MOOP of $7,600. Anthem Health has a higher-than-average denial rate of about 23%.

Silver EPO plans are similar to HMO plans because you need to stay with the doctors and hospitals in the plan's network, except in an emergency. But you often don't need a referral to see a specialist.

Plan Recommendations

We suggest the following Silver EPO plan from Anthem Health:

  • Anthem Silver X EPO 5500 $0 Virtual PCP $0 Select Rx: $520 per month; MOOP $7,600

MoneyGeek Pick for HMO: Ambetter from SilverSummit

Ambetter from SilverSummit
COMPANY HIGHLIGHTS

MoneyGeek's top pick for the best health insurance in Nevada for Silver HMO plans is Ambetter from SilverSummit. They offer an average plan rate of $515 and an average MOOP of $7,479. The company has a denial rate of almost 0%, which means it denies fewer claims than average.

Silver HMO plans are often less expensive each month, helpful for people who want lower payments and have doctors in the HMO network. But you must use doctors in the network, and if you need to see a specialist, you will need a referral.

Plan Recommendations

We suggest the following Silver HMO plans from Ambetter from SilverSummit:

  • Clear VALUE Silver: $400 per month; MOOP $5,400
  • Clear Silver: $506 per month; MOOP $5,400

Best Short-Term Health Insurance in Nevada

Nevada’s best short-term health insurance provider is National General Accident & Health, earning a MoneyGeek score of 95 out of 100.

Short-term insurance allows you to get temporary coverage while waiting for the open enrollment period, switching jobs or undergoing an event that creates a gap in your health plan. Note that even the best short-term health insurance in Nevada should not replace your marketplace plan. Short-term coverage may lack essential coverages, and the overall cost may be high since you may not qualify for tax credits and subsidies.

mglogo
MoneyGeek Top Pick: National General Accident & Health
National General Accident & Health

National General Accident & Health is our pick for Nevada’s short-term medical insurance due to its balance of cheap monthly costs and excellent customer satisfaction. This insurer offers an array of plan options to its policyholders.

Interested buyers may purchase plans with coverage spans as short as 30 days to a maximum of one year. These plans feature discounts, prescriptions and urgent care services. You can purchase a policy for yourself, your business or your family. Aside from short-term plans, the company also provides Medicare, fixed-benefit and supplemental coverages, plus policies specifically for dental, vision care, critical illness and accidents.

How to Find the Best Health Insurance for You in Nevada

Your best option for private health insurance in Nevada will depend on your budget and medical needs. A reasonable provider will meet your coverage requirements at affordable premiums and out-of-pocket costs. Here are two essential considerations for determining your best insurer when purchasing a health insurance plan.

    doctor icon

    Understand when a health insurance plan will cover you

    In-network coverage means your health insurance pays more when you see doctors in the plan's network. Out-of-network coverage is when you see doctors not in the plan's network, and the insurance might not help pay for it.

    Nevada has one EPO plan and 51 HMO plans. Some plans let you see any doctor but cost more. Other plans cost less but you must see doctors in the network.

    money2 icon

    Weigh the cost of premiums vs. the cost of care

    Choosing the right health insurance is all about balance. Look at how much you pay each month and your max out-of-pocket costs based on what you need. Less money each month often means you pay more later if you need care often. Paying more each month can mean a lower MOOP, so you might save if you see the doctor frequently.

    The Silver plan called Clear VALUE Silver has a MOOP of $5,400. This plan's monthly rate is $400, which is less than other Silver plans by the same company. A plan with low monthly costs and low MOOP is ideal, especially if the services are good.

Consider Nevada Medicare or Medicaid if You’re Eligible

You can consider Medicare if you meet the eligibility requirements of being 65 or older or having a qualifying disability or illness. This government-run program offers you access to cheaper health insurance than private plans. It includes the following services:

  • Part A (Hospital Insurance): Pays the expenses relating to nursing care, hospice care, hospital stays and covered home-based care.
  • Part B (Medical Insurance): Pays for outpatient care, preventative services, medical supplies, doctor appointments and similar services.
  • Part D (Prescription Drug Coverage): This covers the cost of vaccines, shots and prescription drugs.

Depending on your health insurance needs, Medicare may not be adequate, and in this case, you may need to consider private health insurance coverage. To determine your best options, you can view our recommendations for Nevada’s best Medicare Advantage and best Medicare Supplement plans.

Since Nevada is a Medicaid expansion state, you can also access Medicaid at no cost. This program is another government health insurance option you may qualify for if your income is below 138% of the Federal Poverty Level.

FAQ About Health Insurance in Nevada

Health care insurance buyers frequently wonder about the availability and cost of plans. MoneyGeek answered some commonly asked questions about health insurance in Nevada.

What is the best health insurance provider in Nevada for 2024?
What should you look for when shopping for the best health insurance plan in Nevada?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.