Best Cheap Health Insurance in Nevada 2024

The cheapest Silver plan in Nevada is the MyHPN Select Network Silver 4, with rates as low as $357 per month.

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The cheapest Silver health insurance plan in Nevada is the MyHPN Select Network Silver 4 from Health Plan Nevada. However, it's only available in and around Las Vegas. If you live elsewhere in the state, the Clear Silver plan by Ambetter is often the cheapest option.

Health insurance in Nevada costs an average $566 per month for a 40-year-old on a Silver plan.

Aetna is the best health insurance company in Nevada because of its perks and cheap rates. A Silver plan costs an average $421 per month from Aetna for a 40-year-old.

How much does health insurance cost in Nevada?

For a 40-year-old with a Silver plan, health insurance costs an average $566 per month in Nevada. You'll usually get a lower rate if you choose a plan with less coverage, like a Bronze plan. Just keep in mind that if you choose a Bronze plan, you'll have to pay more of your health care costs yourself.

Cost of health insurance in Nevada

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The plan tier of the policy you choose isn't the only thing that affects the cost of Obamacare insurance. Your age also plays a large role. Older shoppers tend to pay higher rates, since they are more likely to have health problems that lead to medical care. In Nevada, a 60-year-old pays nearly three times more each month for a Silver plan compared to a 21-year-old.

Cheapest health insurance in Nevada

The best cheap health insurance policy in NV is the MyHPN Select Network Silver 4, which costs as little as $357 per year for a 40-year-old. If you want a cheap policy but don't need as much coverage, you can buy a Bronze plan. You could also buy a Gold plan for move coverage, although it will cost more each month.

Cheapest plan
Monthly cost
Bronze Anthem Bronze Convenient Care X $297
Silver Health Plan Nevada MyHPN Select Network Silver 4 $357
Gold Ambetter Everyday Value Gold $478

Monthly costs are for a 40-year-old.

The county you live in affects which health insurance companies and plans are available to you. While these plans are the cheapest in the state for each plan tier, you may pay more depending on the options where you live.

While finding cheap health insurance can be a priority, make sure that the plan you choose covers your health care needs. Buying a cheap plan to save money isn't always a good strategy. If you have complex or expensive medical needs, consider a plan with a higher level of coverage, so you pay less out of your own pocket.

Finding your best health insurance coverage in Nevada

When looking for the best health insurance coverage in NV, consider your income and expected medical expenses during the year. This will help you decide which tier of coverage is best for you.

All counties offer Bronze, Silver and Gold policies. The plan tiers offer different levels of coverage and vary in price. Depending on your income, you might qualify for a cheaper rate with Affordable Care Act subsidies. Specific plan availability and rates vary based on where you live.

Gold plans: Best for complex medical needs

Gold plans are good for people who are older or expect to have a lot of medical expenses throughout the year. These plans offer the highest level of coverage in Nevada.

Gold plans also typically have the highest monthly rates because they let you pay the least for your own health care. This lets you save money if you need to use your health insurance often. For example, if you have a chronic health condition that requires frequent care, a Gold plan could be a good idea. Even though it costs more, it covers a bigger portion of your medical costs.

Silver plans: Best for most people

Silver health insurance plans are good for most people who need health insurance. These middle-ground plans balance moderate rates with good coverage. You'll pay less than you would for a Gold plan, but you'll have more coverage than you would with a Bronze plan.

If you buy a Silver plan, you might also qualify for lower deductibles, copays and coinsurance amounts. That's because only Silver plans can qualify for an Obamacare program called cost-sharing reductions. To qualify, you have to make between $14,580 and $36,450 per year as an individual. If you have more people in your household, you can make more and still qualify.

Bronze plans: Best for people with few medical needs

If you don't need much medical care and have the ability to pay for a larger portion of your health care costs yourself, a Bronze plan can be a good choice. Bronze-level insurance is the cheapest plan tier you can get in Nevada. However, you have to pay a larger share of your medical bills with Bronze health insurance.

Because of this, Bronze plans are best for people who are generally healthy and do not expect to have large medical costs throughout the year. For example, a Bronze plan could be a good choice for young adults or college students. The lower monthly rate might fit better in a tight budget, and the plans still give you coverage if you get injured or become ill. If you have a Bronze plan, just make sure you have enough savings to pay for your portion of a large medical bill.

Medicaid: Best for those with low incomes

Medicaid is a program that primarily helps people with low incomes get health insurance. To qualify for Medicaid in Nevada, you have to make around $20,000 or less per year as a single person, or less than about $41,000 as a family of four. That's because Nevada has expanded its Medicaid program so that more people are eligible.

Are health insurance rates going up in Nevada?

Despite inflation and the rising cost of medical care, health insurance rates have stayed relatively steady in Nevada since 2022. Silver plans have actually become about 2% cheaper per month compared to 2023.

Change (2023 vs. 2024)

Monthly costs are for a 40-year-old.

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Best cheap health insurance companies in Nevada

Aetna is the best health insurance company in Nevada because of its extra perks and overall low rates. Aetna has one of the cheapest average rates in the state for Silver plans.

In 2024, eight different companies sell health insurance plans on Nevada's state marketplace.

Cheapest health insurance companies in NV

Select Health logo
Aetna logo
Health Plan of Nevada logo
Health Plan of Nevada$453
Imperial Health Plan logo
Imperial Insurance$473
Renown Health Plan logo
Renown Health Plan$538
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Average monthly cost for a 40-year old buying a Silver plan in Nevada.

Although Health Plan Nevada sells the cheapest Silver plan in the state, its other Silver plans are more expensive, which increases its overall average rate. If your main goal is to find a cheap health insurance plan, look at the MyHPN Select Network Silver 4 from Health Plan Nevada alongside the cheap plans from SelectHealth, the company with the cheapest average rates in the state.

But if your goal is to find the best health insurance in Nevada, consider Aetna, Anthem or Ambetter, which all have good service, coverage and perks.

Cheapest health insurance plan by Nevada county

The county you live in affects which plans you can buy and how much your coverage costs. For example, the Clear Silver plan is the cheapest option in 10 of Nevada's 17 counties, and it costs an average of $604 per month. But the cheapest plan in Clark County, far and away the largest county in the state, is the MyHPN Select Network Silver 4 and costs $357 per month.

Cheapest plan
Monthly rate
Carson CityRenown Silver HMO HSA$547
ChurchillAmbetter Clear Silver$604
ClarkHealth Plan of NV MyHPN Select Network Silver 4$357
DouglasRenown Silver HMO HSA$547
ElkoAmbetter Clear Silver$604
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Cheapest Silver plan with rates for a 40-year-old

Short-term health insurance in Nevada

In Nevada, you can buy short-term health insurance from private health insurance companies, but you can't buy a plan on the state marketplace. You have to work directly with a company to get a short-term health plan.

Short-term health insurance can be helpful in certain situations. For example, if you change jobs and need coverage for a few months before you qualify for your new employer's plan, a short-term policy can help fill that gap. However, these plans don't have the same level of benefits as marketplace plans. They aren't required to cover things like pregnancy care and mental health services, which are considered essential benefits and are required for marketplace health insurance.

Nevada also limits short-term health insurance to 185 days. And short-term policies can't be continued after the initial coverage period.

Frequently asked questions

How much does health insurance cost per month in Nevada?

The average cost of a Silver health insurance plan in Nevada is $566 per month for a 40-year-old. But the cheapest Silver plan in Nevada is $357 per month, which is a 37% savings compared to the average. Your rate varies based on your age, the county you live in and the plan you choose.

What is Obamacare called in Nevada?

Nevada uses a state marketplace called Nevada Health Link. While most states use for Affordable Care Act policies, also called Obamacare policies, Nevada has its own state website. This is where you will look at the Bronze, Silver or Gold plans in your area and buy a plan that works for you.

Does Nevada have free health insurance?

Nevada's Medicaid program offers free or low-cost health insurance to anyone who meets the income requirements. You might also qualify with a higher income limit if you are pregnant or if you are 18 or younger. You can apply for Nevada Medicare through the Access Nevada website.


ValuePenguin gathered 2024 health insurance rates and plan details from Nevada's state health insurance exchange, Nevada Health Link. Average rates are for a 40-year-old with a Silver plan, unless otherwise noted. ValuePenguin assigns editor's ratings to each company based on a review of price, policy offerings, customer satisfaction and unique features or perks.

Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.