Alignment Health Plan is the best Medicare Advantage company in Nevada, combining a 5-star CMS rating with a median maximum annual out-of-pocket limit of $2,200. SCAN Health Plan has the lowest median cost exposure of the seven carriers, with a median annual spending cap of $1,150 across its two plans. The seven companies below serve between two and eight Nevada counties, with median maximum out-of-pocket limits ranging from $1,150 to $3,400.
Best Medicare Advantage Plans in Nevada (2026)
Updated: September 8, 2026
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Best Medicare Advantage Companies in Nevada
| Overall rating based on cost, quality, benefits and availability. | Median annual premium plus median out-of-pocket maximum. | Median CMS quality rating across the carrier’s plans. | Number of Nevada counties where plans are offered. | Number of Medicare Advantage plans offered in Nevada. | |
|---|---|---|---|---|---|
Alignment Health Plan | 4.6 | $2,200 | 5.0 | 2 | 5 |
Select Health | 4.5 | $1,250 | 4.5 | 2 | 3 |
HealthSpring | 4.4 | $2,850 | 4.5 | 2 | 2 |
SCAN Health Plan | 4.4 | $1,150 | 4.0 | 2 | 2 |
Kaiser Permanente | 4.4 | $2,700 | 5.0 | 5 | 5 |
Prominence Health Plan | 4.4 | $3,400 | 4.5 | 6 | 6 |
Wellcare | 4.1 | $2,500 | 3.5 | 8 | 2 |
Nevada Medicare Advantage Market Overview
Nevada's Medicare Advantage market is competitive, but plan availability varies greatly by county. Where you live determines how many options you can choose from as well as differences in premiums, cost-sharing and out-of-pocket limits.
Non-SNP Medicare Advantage plans | 64 | Nevada has a sizable plan pool, though your actual choices depend heavily on where you live. |
Carriers | 12 | Multiple insurers compete in the state. You have a number of options beyond the largest national carriers. |
CMS contracts | 18 | Some carriers operate multiple contracts, so quality ratings can differ between plans from the same insurer. |
Median plans per county | 12 | Plan choice is more limited at the county level than the statewide total of 64 suggests. |
Medicare Advantage enrollment in non-SNP plans | 251,950 | More than a quarter-million beneficiaries use the non-SNP plans included in our analysis. |
Plans with a $0 premium | 95% | Monthly premiums rarely separate Nevada plans. MOOP limits, copays, networks and benefits are more useful comparison points. |
Median max out-of-pocket (MOOP) | $2,975 | Half of plans cap annual in-network medical cost sharing at or below $2,975 and half above it. |
MOOP range | $199–$6,750 | The $6,551 spread shows that annual financial protection can vary greatly between plans. |
Average CMS star rating | 4.17 out of 5 | Nevada's overall plan quality is strong, with the average rating above the 4-star CMS quality benchmark. |
Contracts rated 4+ stars | 61% | Most rated contracts meet CMS's four-star threshold, but quality still varies enough to compare ratings before enrolling. |
Alignment Health Plan
MoneyGeek Rating
4.6/ 5
4.7/5Affordability
4.8/5Quality & Member Experience
4/5Benefits & Availability
Median Max Annual Cost Exposure
$2,200Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
5Median CMS quality rating across the carrier’s plans.Counties Served
2Plans Available
5
Select Health
MoneyGeek Rating
4.5/ 5
4.9/5Affordability
4.5/5Quality & Member Experience
3.8/5Benefits & Availability
Median Max Annual Cost Exposure
$1,250Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
4.5Median CMS quality rating across the carrier’s plans.Counties Served
2Plans Available
3
HealthSpring
MoneyGeek Rating
4.4/ 5
4.4/5Affordability
4.5/5Quality & Member Experience
4/5Benefits & Availability
Median Max Annual Cost Exposure
$2,850Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
4.5Median CMS quality rating across the carrier’s plans.Counties Served
2Plans AvailablePlans Available
2
SCAN Health Plan
MoneyGeek Rating
4.4/ 5
4.9/5Affordability
4.2/5Quality & Member Experience
3.9/5Benefits & Availability
Median Max Annual Cost Exposure
$1,150Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
4.0Median CMS quality rating across the carrier’s plans.Counties Served
2Plans Available
2
Kaiser Permanente
MoneyGeek Rating
4.4/ 5
4.2/5Affordability
4.8/5Quality & Member Experience
4.2/5Benefits & Availability
Median Max Annual Cost Exposure
$2,700Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
5.0Median CMS quality rating across the carrier’s plans.Counties Served
5Plans Available
5
Prominence Health Plan
MoneyGeek Rating
4.4/ 5
4.3/5Affordability
4.5/5Quality & Member Experience
4.3/5Benefits & Availability
Median Max Annual Cost Exposure
$3,400Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
4.5Median CMS quality rating across the carrier’s plans.Counties Served
6Plans Available
6
WellCare
MoneyGeek Rating
4.1/ 5
4.3/5Affordability
3.8/5Quality & Member Experience
4.3/5Benefits & Availability
Median Max Annual Cost Exposure
$2,500Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
3.5Median CMS quality rating across the carrier’s plans.Counties Served
8Plans Available
2
How to Choose the Best Medicare Advantage Plan in Nevada
The best Medicare Advantage plan in Nevada depends on where you live, which providers and prescriptions you need covered and how much care you expect to need during the year.
- 1Check availability in your county
Medicare Advantage plans are county-specific, so your options depend on where you live. Start with plans available in your ZIP code before comparing carriers, costs and benefits.
- 2Confirm your doctors are in-network
- 3Compare maximum out-of-pocket (MOOP) limits
A plan's MOOP limit is the most you can pay for covered Part A and Part B services in a year. A lower MOOP can provide stronger financial protection if you expect frequent or expensive care during the year.
- 4Review prescription drug coverage
Check each plan's formulary to make sure your medications are covered, then compare drug tiers, copays, deductibles and pharmacy networks. Two $0-premium plans can have very different prescription costs.
- 5Compare supplemental benefits
Dental, vision and hearing coverage varies by carrier and plan. Look at the actual allowance or coverage limit, not just whether a benefit is offered.
- 6Use CMS Star Ratings as a quality check
CMS rates Medicare Advantage contracts from one to five stars based on measures such as care quality, member experience and plan performance. When two plans offer similar costs and coverage, a higher rating can help separate them.
How Much Does Medicare Advantage Cost in Nevada?
Most Medicare Advantage plans in Nevada have $0 monthly premiums, but what you pay when you use care varies by plan type. HMO-POS plans have the lowest median maximum out-of-pocket limit at $1,900, compared with $2,499 for HMOs and $5,999 for PPOs. They also have the lowest median copays, at $0 for both primary care and specialist visits.
Median Monthly Premium | $0 | $0 | $0 |
Median Max Out-of-Pocket | $2,499 | $1,900 | $5,999 |
Median Inpatient Copay | $148 | $208 | $375 |
Median PCP Copay | $10 | $0 | $15 |
Median Specialist Copay | $5 | $0 | $28 |
Frequently Asked Questions
Enroll through Medicare.gov, contact insurers directly, or work with a licensed agent during Annual Enrollment (Oct. 15 to Dec. 7) or other qualifying periods.
Medicare Advantage plans cover everything Original Medicare does, plus most include prescription drugs and extra benefits like dental, vision and fitness memberships.
Medicare Advantage replaces Original Medicare with bundled coverage from private insurers, while Medicare Supplement (Medigap) works alongside Original Medicare to cover deductibles and copays.
Nevada has 64 non-SNP Medicare Advantage plans across 12 carriers and 18 CMS contracts for 2026. The typical Nevada county has 12 plans to choose from, though availability varies. Clark County has the most options. Rural counties have fewer.
Vision coverage is included with all 64 plans in Nevada. Dental is included in 86% of plans, with maximum benefits ranging from $500 to $3,000. Hearing coverage is less common. Only 39% of plans include it, and allowances vary widely by carrier.
Our Methodology
MoneyGeek evaluated Nevada Medicare Advantage companies using five CMS data sources for the 2026 plan year, including the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.
How We Score Carriers
Each carrier in the state receives an overall MoneyGeek score out of five from a weighted average of three category scores:
- Affordability (40%): Maximum annual cost exposure, calculated as annual premiums plus the maximum out-of-pocket limit, along with inpatient hospital, specialist and primary care costs.
- Quality and Member Experience (40%): CMS Star Ratings make up 60% of this category and CAHPS C26 member ratings make up 40%. Both are measured at the contract level.
- Benefits and Access (20%): Supplemental benefits, including dental, OTC, vision and hearing, make up 50% of this category. County coverage makes up 30% and plan choice per county makes up 20%.
About Patrick Bryant
Patrick Bryant is the Vertical Lead for Health Insurance at MoneyGeek, where he researches insurance products, writes consumer guides and maintains the scoring methodologies behind our provider comparisons. He analyzed more than 100 health insurance carriers across all 50 U.S. states and multiple policy types. His methodologies are reviewed quarterly to reflect current market conditions and carrier data.