Most Affordable Health Insurance in Nevada


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Key Takeaways

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Aetna Health provides Nevada's most affordable health insurance, saving policyholders an average of $253 per month compared to the state average.

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Imperial Insurance offers top-rated full coverage Gold plans, with affordable pricing starting at $404 monthly.

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Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.

Most Affordable Health Insurance Companies in Nevada

Aetna Health provides the cheapest overall health insurance in Nevada, with an average monthly premium of $391. Availability can vary, so consider Imperial Insurance, Hometown Health, and Ambetter from SilverSummit for additional affordable health plans.

Aetna Health of Utah Inc.$391$253
Imperial Insurance Companies, Inc.$452$192
Hometown Health$456$188
Ambetter from SilverSummit$531$113

*These plans reflect rates for 40-year-olds who aren't considered low-income.

Cheapest Nevada Health Insurance Plans by Profile

While we've summarized the cheapest companies for most in Nevada, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:

  • Cheapest For Young Adults: Health Plan of Nevada, Inc. ($380 monthly)
  • Cheapest For Seniors: Health Plan of Nevada, Inc. ($806 monthly)
  • Cheapest Bronze Plan: Health Plan of Nevada, Inc. ($321 monthly)
  • Cheapest Silver Plan: Health Plan of Nevada, Inc. ($380 monthly)
  • Cheapest Gold Plan: Imperial Insurance Companies, Inc. ($404 monthly)

While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.

Data filtered by:Results filtered by:
Select
Plan Level:Silver
Select
Age:40
Health Plan of Nevada, Inc.MyHPN Select Network Silver 3$380$154$8,080

Cheapest Health Insurance Plans by County in Nevada

While Aetna Health is the cheapest provider overall, Ambetter from SilverSummit offers competitive affordability and availability for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.

Carson CityHometown Health$473Renown Silver HMO HSA
ChurchillAmbetter from SilverSummit$394Clear Silver
ClarkHealth Plan of Nevada, Inc.$357MyHPN Select Network Silver 4
DouglasHometown Health$473Renown Silver HMO HSA
ElkoAmbetter from SilverSummit$394Clear Silver
EsmeraldaAmbetter from SilverSummit$394Clear Silver
EurekaAmbetter from SilverSummit$394Clear Silver
HumboldtAmbetter from SilverSummit$394Clear Silver
LanderAmbetter from SilverSummit$394Clear Silver
LincolnAmbetter from SilverSummit$394Clear Silver
LyonHometown Health$473Renown Silver HMO HSA
MineralAmbetter from SilverSummit$394Clear Silver
NyeHealth Plan of Nevada, Inc.$357MyHPN Select Network Silver 4
PershingAmbetter from SilverSummit$394Clear Silver
StoreyHometown Health$473Renown Silver HMO HSA
WashoeAmbetter from SilverSummit$382Clear VALUE Silver
White PineAmbetter from SilverSummit$394Clear Silver

How to Find the Cheapest Health Insurance in Nevada

Follow these steps to find affordable health insurance in Nevada:

  1. 1

    Determine coverage plan needs and affordability

    Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.

  2. 2

    Find out your subsidy eligibility

    People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.

  3. 3

    Consider federal programs for eligible age groups

    If you're of suitable age, explore Medicare Advantage plans and Medicare Supplement plans. These plans may offer more affordable and flexible alternatives to traditional plans.

  4. 4

    Review prescription formularies

    Check insurers' prescription coverage for medications you regularly take. Choosing plans with lower-tier placements and reduced copays for your medications can optimize savings and ensure consistent and affordable access to necessary prescriptions, saving you hundreds of dollars each year.

  5. 5

    Compare plans during Open Enrollment

    Open Enrollment runs from November 1 to January 15, but you might qualify for Special Enrollment if you've had significant life changes like job loss, divorce or childbirth. Evaluate plan types, costs, customer reviews and network availability to find the most suitable and affordable coverage for your circumstances.

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To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.

Most Affordable Health Insurance in Nevada: Bottom Line

Aetna Health, Hometown Health, Imperial Insurance and Ambetter from SilverSummit are Nevada's most affordable health insurance companies. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.

Cheap Nevada Health Insurance: FAQ

Below are frequently asked questions about finding affordable health insurance in Nevada:

What is the cheapest health insurance in Nevada?

What are the downsides of a cheap health insurance plan?

How We Decided the Cheapest Health Insurance Companies in Nevada

MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Nevada based on consumers aged 18, 26, 40, 50 and 60. 

We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.

About Mark Fitzpatrick


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Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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