Best Medicare Advantage Plans in Nevada (2027)

Kaiser Permanente is the best Medicare Advantage insurer in Nevada, with the highest quality rating and lowest heavy-care cost of the five carriers we rated.

Every Kaiser plan holds 5 stars, the highest grade the Centers for Medicare & Medicaid Services (CMS) gives for care and member service. Its median max annual cost exposure, a year of premiums plus the out-of-pocket limit, is $3,300.

More plans don’t mean better value. Humana and Aetna sell the most plans, yet a member with heavy bills could pay over $2,000 more a year with either than with Kaiser.

Kaiser sells plans in only three counties. Elsewhere, UnitedHealthcare comes closest on cost with a 4-star rating.

Your county decides your Nevada Medicare Advantage options. Medicare Advantage plans are private plans that replace Original Medicare, the government’s Part A hospital and Part B medical coverage, and most add drug coverage. Plans cluster around Las Vegas, and eight of Nevada’s 17 counties, all rural, have none for 2027.

Residents of those counties can keep Original Medicare and add a Medicare Supplement policy, private coverage that helps pay the deductibles and copays Original Medicare leaves to you.

Five of Nevada’s 11 carriers appear in our ratings. Five others sell plans in fewer than three counties, and Champion Health Plan is too new to have a CMS quality rating.

The best Medicare Advantage plan in Nevada starts with where you live. From the plans sold in your county, pick one that covers your doctors and prescriptions at a yearly cost that fits how much care you expect.

Most Nevada Medicare Advantage plans charge no premium of their own, but members owe Medicare’s Part B premium unless a state program like Medicaid pays it. The bigger cost question is what you’d owe in a year of heavy care, which depends on the plan type’s out-of-pocket limit.

HMO-POS plans cost the least in that kind of year, even though they’re more flexible than standard HMOs. PPOs, which pay toward out-of-network doctors, carry a median limit $3,900 higher than HMOs.

UnitedHealthcare sells most of Nevada’s HMO-POS plans, largely in Clark and Nye counties. Las Vegas-area residents should price those first and choose a PPO only to keep an out-of-network doctor.

*Median cost figures across all 58 non-SNP Nevada MA plans, grouped by plan type. All dollar figures rounded to nearest dollar. Source: CMS 2027 data, MoneyGeek analysis.

These Nevada and federal resources help you compare 2027 Medicare Advantage plans and get free help when a coverage problem comes up.

• Medicare Plan Finder: Compare 2027 Medicare Advantage plans in your ZIP code by premium, out-of-pocket limit, drug costs and CMS star rating.
• Nevada Medicare Assistance Program (MAP): Get free, unbiased Medicare counseling by phone, online or in person, plus help applying for Extra Help with drug costs. Call 800-307-4444.
• Nevada Division of Insurance: Report agent misconduct or claim disputes to the state insurance regulator. For a complaint about the Medicare Advantage plan itself, call 1-800-MEDICARE (1-800-633-4227) or use Medicare’s complaint form.
• Nevada Office for Consumer Health Assistance: Get free help understanding your coverage rights and settling disputes, including Medicare and hospital billing issues.
• Medicare & You Handbook: Read Medicare’s official guide to coverage, costs and enrollment dates, updated each fall for the coming year.

Nevada’s 2027 Medicare Advantage ratings from MoneyGeek cover 58 non-SNP plans across 11 carriers, 18 CMS contracts and 17 counties. Five CMS data sources feed the ratings: the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.

All ratings exclude Special Needs Plans. Nevada has 16 counties plus Carson City, 17 in all, and carriers must serve at least three to qualify for scoring. Alignment Health Plan, Anthem Blue Cross and Blue Shield, HealthSpring, SCAN Health Plan and Select Health each sell plans in fewer than three Nevada counties, below the threshold. None appear in the provider reviews above.

Champion Health Plan sells plans in four Nevada counties and clears the threshold. Its contract is new, and no CMS Star Rating or CAHPS data exists for it, so it isn’t featured in the provider reviews above.

How We Score Carriers

Five carriers receive a rating out of 5. Scores are medians across each carrier’s Nevada non-SNP MA plans, with CMS Star Ratings and CAHPS as plan-weighted medians. Three categories form each score:   

• Affordability (40%): Four cost components feed this score. Maximum annual cost exposure, the total of annual premiums and the out-of-pocket limit, counts for 20%, with inpatient hospital costs at 10%, specialist costs at 6% and primary care costs at 4%.
• Quality and Member Experience (40%): This category pulls from two contract-level sources, CMS Star Ratings at 60% and CAHPS Rating of Health Plan scores at 40%.
• Benefits and Availability (20%): Dental, over-the-counter (OTC), vision and hearing supplemental benefits together account for 50% of this category. County coverage takes 30% and plan choice per county takes 20%.