The most affordable health insurance in Nevada for Silver plans are from Ambetter and SelectHealth, Inc. Ambetter also offers the cheapest Bronze and Gold plans.
Nevada offers various health insurance metal tiers with different premiums, deductibles and maximum out-of-pocket (MOOP) costs.
Nevada’s baseline plan type is a Health Maintenance Organization (HMO). Rates will vary depending on your age, income level and the scope of coverage you like to buy.
If you are looking to balance monthly premiums with quality claims and coverage, MoneyGeek analyzed the best health insurance in Nevada.
Most Affordable Health Insurance in Nevada
Cheapest Health Insurance in Nevada by Metal Tier
The cheapest health insurance in Nevada for a Silver plan is the SelectHealth Med Silver 6500 – No Deductible for Office Visits plan from SelectHealth, Inc., at an average monthly premium of $370.
The more valuable metal tiers usually cost more but provide robust coverage for health insurance. We compiled a list of the most affordable health insurance providers in the state by metal tier:
- Catastrophic: MyHPN Catastrophic Plan from Health Plan of Nevada, Inc., $254 per month (for a 26-year-old)
- Bronze: Clear VALUE Bronze from Ambetter, $301 per month
- Silver: SelectHealth Med Silver 6500 from SelectHealth, Inc., $370 per month
- Gold: Everyday VALUE Gold from Ambetter, $467 per month
While lower-premium plans cover basic health care expenses, higher-value metal tiers such as Gold have a higher monthly cost but offer more benefits and lower out-of-pocket maximums.
Metal tiers categorize health insurance plans on the exchange, each representing a different balance between premiums and out-of-pocket expenses. The higher the metal value (e.g., Gold over Silver), the higher the premiums, but the lower the out-of-pocket costs.
Buyers who are young or do not expect frequent health care services may choose less valuable metals, while those who can afford them or expect medical expenses may opt for more valuable metals. Silver plans offer the best balance between premium costs and coverage.
For those with low income, Silver plans may also provide the opportunity to lower deductibles, making them even more affordable.
Cheapest Silver Plans in Nevada
Nevada’s most affordable Silver plan is the SelectHealth Med Silver 6500 – No Deductible for Office Visits plan from SelectHealth, Inc., offered at an average monthly rate of $370.
Here are the top three cheapest Silver plans in the state:
- SelectHealth Med Silver 6500 – No Deductible for Office Visits from SelectHealth, Inc., $370 per month
- SelectHealth Value Silver 6500 – No Deductible for Office Visits from SelectHealth, Inc., $373 per month
- SelectHealth Med Silver Copay Only Plan from SelectHealth, Inc., $383 per month
Silver plans provide a combination of affordability and coverage, offering lower deductibles than Bronze plans. Eligible individuals can further reduce their monthly payments through cost-sharing reductions, which are exclusively available with Silver plans.
Please note that MoneyGeek's recommendations in this section focus on the HMO plan type since it is the most accessible in Nevada.
Cheapest Gold Plans in Nevada
In Nevada, the most affordable Gold plan is Everyday VALUE Gold, offered by Ambetter. Its monthly average premium costs $467.
The top three cheapest Gold plans in the state are as follows:
- Everyday VALUE Gold from Ambetter, $467 per month
- SelectHealth Med Gold 1000 – No Deductible for Office Visits from SelectHealth, Inc., $512 per month
- SelectHealth Value Gold 1000 – No Deductible for Office Visits from SelectHealth, Inc., $517 per month
Gold plans are priced higher than Silver plans but generally have lower deductibles and out-of-pocket expenses. While Gold plans may come with higher premiums, they can be a good choice for individuals who anticipate more frequent medical care and want to limit out-of-pocket costs.
Cheapest Bronze Plans in Nevada
The most affordable Bronze health plan in Nevada is Clear VALUE Bronze, offered by Ambetter, at a monthly premium of $301.
The top three cheapest Bronze plans in the state are:
- Clear VALUE Bronze from Ambetter, $301 per month
- MyHPN Select Network Bronze 1 from Health Plan of Nevada, Inc., $316 per month
- Anthem Bronze Convenient Care X HMO 8500 $0 Select Drugs from Anthem, $317 per month
While Bronze plans usually offer the most affordable monthly premiums, they typically come with higher deductibles and out-of-pocket costs, meaning you'll pay more when you receive medical care.
Cheapest Catastrophic Plans in Nevada
MyHPN Catastrophic Plan from Health Plan of Nevada, Inc. is the cheapest Catastrophic plan in the state, costing a 26-year-old an average of $254 per month.
Here are the top three most affordable Catastrophic plans:
- MyHPN Catastrophic Plan, from Health Plan of Nevada, Inc., $254 per month
- Anthem Catastrophic X HMO 9100, from Anthem, $267 per month
- Renown Catastrophic HMO, from Hometown Health, $300 per month
Catastrophic plans have low monthly premiums but come with very high deductibles. These plans are typically only offered for individuals under 30 or those with a hardship or affordability exemption.
If you are eligible for premium tax credits, you may also qualify for cost-sharing reductions (CSRs) on Silver plans. While CSRs do not reduce your monthly premiums, they can help lower costs by reducing your plan’s deductibles, out-of-pocket maximums and copayments.
It is important to note that not all Silver plans offer CSRs, and eligibility requirements can vary.
Cheapest Health Insurance in Nevada by Plan Type
Health Maintenance Organizations (HMOs) are the most common plan types in Nevada, but the health insurance exchange also offers Exclusive Provider Organization (EPO) plans for consumers to choose from.
Our research shows that the most affordable Silver plan from an EPO is:
- FRIDAY Silver Copay: Unlimited $0 Primary Care Visits, Up to $30 Preferred Generic Rx, $0 Mental Health Counseling, from Friday Health Plans of Nevada, Inc., $526 per month
Although slightly pricier, EPO plans provide greater flexibility in accessing out-of-network providers and offer specialist visits without a referral.
When looking for health insurance in Nevada, you'll find HMO and EPO plans.
- Health Maintenance Organization (HMO): These are the most common and cheapest plan types. Staying within the provider network is required except during emergencies. A primary care physician is necessary to refer you to specialists. These plans are ideal for lower monthly payments and access to in-network providers.
- Exclusive Provider Organization (EPO): Similar to HMOs, these plans require using in-network providers, except during emergencies. However, EPOs do not require referrals for specialists. These plans are typically more expensive than HMOs.
It’s important to consider which plan type may best suit your needs and preferences for price and coverage offerings.
Cheapest Health Insurance in Nevada by County
It's important to note that not all health insurance plans are accessible throughout Nevada, as availability can vary across locations, even among counties within the state.
The table below shows the cost of Silver plans by county. Use this to view how rates will differ depending on where you are.
Health Insurance Costs in Nevada by Age and Metal Tier
Health insurance costs in Nevada can vary significantly depending on the metal tier of a plan.
Here's a breakdown of the average premium cost for each metal tier in Nevada for a 40-year-old consumer:
- Catastrophic: $308 per month (for a 26-year-old)
- Bronze: $398 per month
- Silver: $503 per month
- Gold: $637 per month
There are trade-offs to consider when choosing between metal tiers. Gold and Platinum plans have higher monthly premiums but lower out-of-pocket costs and more comprehensive coverage. In contrast, Bronze and Silver plans have lower premiums but higher out-of-pocket expenses.
As you get older, health insurance costs tend to increase. A Silver plan in Nevada for an 18-year-old costs an average of $396 a month, while the same plan for a 60-year-old is $1,092 a month.

What to Know About Nevada Health Insurance
MoneyGeek analyzed data from private health insurance plans to find the most affordable options. These plans are typically accessible to consumers during the open enrollment period and offer a variety of coverage for differing needs.
Low-income individuals may qualify for Medicaid, while seniors or individuals with disabilities may be eligible for Medicare. Medicaid and Medicare are likely more cost-effective and well-suited for those eligible.
Private Health Insurance in the Nevada Marketplace
Private health insurance in Nevada is open for enrollment from November 1 to January 15. Signing up before December 15 is required if you want your plan to start on January 1. We recommend signing up sooner rather than later so you have the option to modify your plan before the enrollment period ends.
If you miss the open enrollment period, you may have other options. Special enrollment periods are available to people with a recent qualifying life event, such as losing job-based health coverage, getting married or having a baby.
Medicaid in Nevada
Medicaid is a government-funded health insurance program for low-income individuals, families and children. Since Nevada is a Medicaid Expansion state, you can qualify for free health care if your household income is less than 138% of the federal poverty threshold. The program covers many health care services, like doctor visits, hospital stays, lab tests, prescription drugs and more.
Medicare in Nevada
Nevada residents who are disabled or over 65 may be able to receive Medicare benefits. Medicare is a federal health insurance program for seniors and people with disabilities. Unlike Medicaid, you may still have to pay for some expenses with Medicare.
Medicare includes three parts:
- Part A: This part offers hospital insurance, including hospital stays, nursing care and hospice care.
- Part B: This part includes medical insurance covering outpatient doctor visits, medical supplies and preventative care.
- Part D: This part covers prescribed medications and immunizations.
Money Geek also updated the Best Medicare Advantage Plans and the Best Medicare Supplement Plans in Nevada, so you can select the best option for you.
Expert Advice: Finding Affordable Health Insurance in Nevada
- How do I take advantage of cost-sharing reductions and tax credits for health insurance in Nevada?
- Outside of plans on the health insurance exchange, where else can I get health insurance in Nevada?

Assistant Professor at the University of Nevada, Las Vegas
Nevada Health Insurance Frequently Asked Questions
Many people have questions about health insurance premiums, the differences between plans and their availability. We provided answers to the most common questions.
About Mark Fitzpatrick
