Best Cheap Health Insurance in Nevada (2025)
Health Plan of Nevada sells the best cheap health insurance in Nevada. Silver plans start at $380 per month before discounts.
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Best and cheapest health insurance in Nevada
Cheapest health insurance companies in Nevada
Health Plan of Nevada has the most affordable Silver health insurance plans in Nevada, at $380 per month before discounts.
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Affordable health insurance in Nevada
Company |
Cost
| |
|---|---|---|
| Health Plan of Nevada, Inc. | $380-$576 |
| Anthem | $392-$716 |
| Imperial Insurance Companies, Inc. | $401-$507 |
| Ambetter from SilverSummit Healthplan | $406-$701 |
Health Plan of Nevada has the cheapest health insurance for three out of every four people in Nevada. The company has the most affordable Silver plans in the Las Vegas metro area.
Cheapest Nevada health insurance for rural areas
Ambetter has the cheapest plans for one out of every four people in Nevada. However, the company has the most affordable rates everywhere in Nevada except Clark and Nye counties. That makes it a good choice for people in most of the state, outside the Las Vegas metro.
Best health insurance companies in Nevada
Health Plan of Nevada has the best private health insurance for most people in Nevada.
Health Plan of Nevada has a good 3-out-of-5-star rating from HealthCare.gov. Star ratings measure customer satisfaction and plan quality and management.
Health Plan of Nevada also gets far fewer complaints than an average company its size.
Best-rated health insurance companies in Nevada
Company |
Editor rating
|
ACA rating
|
|---|---|---|
| Renown Health Plan | 4.0 | |
| Health Plan of Nevada, Inc. | 3.0 | |
| Ambetter from SilverSummit Healthplan | 3.0 | |
| Anthem | 3.0 | |
| SelectHealth | 3.0 |
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- Nine out of 10 Nevada residents can enroll in the Health Plan of Nevada. The company sells plans in Clark, Washoe and Nye counties.
- If you don't have access to the Health Plan of Nevada where you live, consider Anthem, which also offers high-quality care in Nevada. The company has a good 3-out-of-5-star rating from HealthCare.gov, plus Anthem also gets significantly fewer complaints than an average company its size.
Anthem sells plans in every county in Nevada.
Renown Health Plan: Best for high-quality coverage in NV
Renown Health Plan has a 4-out-of-5-star rating from HealthCare.gov. That's the highest star rating of any company that sells plans on the Nevada health insurance marketplace.
However, Renown has the most expensive health insurance in NV. The cheapest Renown Silver plan is $134 per month more than the cheapest Silver plan in Nevada. Consider Renown if you don't mind paying more for quality coverage.
Renown only sells plans in Carson City, Douglas, Lyon, Storey and Washoe counties.
How much is health insurance in Nevada per month?
Health insurance in Nevada costs $592 per month at full price or $103 per month after discounts on average.
- Higher plan tiers have more expensive monthly rates. In Nevada, Silver plans cost $88 per month more than Bronze plans, on average, while Gold plans are $163 per month more expensive than Silver plans.
- In Nevada, what you pay for health insurance depends in part on your age. A 60-year-old in Nevada pays more than twice as much as a 40-year-old for the same level of coverage.
Save on Nevada health insurance with discounted coverage
Health insurance in Nevada costs an average of $103 per month for discounted coverage.
As of 2024, 86% of Nevada's state-run health marketplace enrollees qualify for financial help from the government, called subsidies. The amount of help you get depends on your income. In general, the less you earn, the higher your discount. About 14% of people who buy health insurance on the Nevada marketplace pay under $10 per month for coverage.
Discounts are available to Nevada residents who earn between roughly $15,000 and $60,000 per year (approximately $31,000 to $125,000 for a family of four). Individuals or families making less than the lowest amount are likely eligible for free or low-cost Medicaid. To get a discount, you need to buy a Bronze, Silver or Gold plan through Nevada Health Link, the state health insurance marketplace.
Cheap health insurance in Nevada by city
Health Plan of Nevada has the cheapest health insurance in Las Vegas, starting at $380 per month for a Silver plan.
Ambetter sells the cheapest Silver plan in Reno, at $476 per month. In Carson City, Renown Health Plan offers the most affordable average rates at $567 per month.
Cheapest health insurance by NV county
County | Cheapest plan | Monthly rates |
|---|---|---|
| Carson City | Renown Health Plan Silver | $567 |
| Churchill | Ambetter Premier Silver | $663 |
| Clark | Health Plan of Nevada Select Network Silver | $380 |
| Douglas | Renown Health Plan Silver | $567 |
| Elko | Ambetter Premier Silver | $663 |
Cheapest Silver plan with rates for a 40-year-old
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Best health insurance by plan tier
The right health insurance plan tier for you depends on the amount of medical care you expect to get in the next year and your financial situation.
Plan tiers have to do with how you pay for medical services and prescription drugs. Gold plans have expensive monthly rates, but you pay less when you visit the doctor. Bronze plans have the most affordable monthly rates, but you pay more for your medical services.
Silver plans offer a middle ground between the two with average rates and moderate costs that you're responsible for paying when you get care.
All tiered plans must cover the same essential health benefits. Also, higher plan tiers don't necessarily cover more services than what's offered in lower-tier plans. That means a Gold plan and a Silver plan may cover the same set of services, with the only difference being in how much you pay for these services.
Gold plans: Best if you need frequent care
| Gold plans pay for about 80% of your medical care. |
Gold plans are a good choice for people who have long-term illnesses or disabilities that require frequent medical care.
Gold plans have expensive monthly rates, but you pay only a small portion of your medical bill when you visit the doctor. That makes Gold plans a good choice for people who need a lot of medical care or who have expensive prescriptions.
In Nevada, the average Gold plan costs $755 per month before discounts. You'll also need to pay a deductible (the amount of money you pay out of pocket before your insurance coverage kicks in). Deductibles for Gold plans in Nevada average cost an average of $936.
Silver plans: Best for average medical needs
| Silver plans pay for about 70% of your medical care. |
Silver health plans are a good choice for most people.
Silver health plans have middle-of-the-road monthly rates and average costs when you go to the doctor. You may also qualify for extra discounts if you have a Silver health plan and a lower income.
In Nevada, Silver plans cost $592 per month on average before discounts. Deductibles average $5,616 for this plan tier.
Bronze plans: Best if you are healthy and can afford surprise medical bills
| Bronze plans pay for about 60% of your medical care. |
Bronze plans have the cheapest average rates of any plan tier. However, these plans have high deductibles, copays and coinsurance. That means you'll have to pay thousands of dollars before coverage starts for most services. Even after your coverage begins, you're responsible for a large portion of your medical bill.
Consider a Bronze plan if you're in good health and you can afford to cover a large medical bill if you get into an accident or become sick.
In Nevada, Bronze plans cost an average of $504 per month before discounts. Plans have an average deductible of $7,597 per year.
Catastrophic plans: Best for preventing financial disasters
Catastrophic plans offer bare-bones coverage at a cheap monthly cost.
Catastrophic plans have high deductibles and cheap rates. Consider Catastrophic coverage if you're young, healthy and you can afford a large, surprise medical bill.
Catastrophic plans rarely make sense because they're not eligible for discounts. That means if you earn a lower income, you can usually get a plan with better coverage for a cheaper rate.
You can only buy a Catastrophic plan if you're under the age of 30 or you qualify for a special hardship exemption.
In Nevada, Catastrophic plans cost $407 per month, on average. Plans have an average deductible of $9,200 per month.
Cheap or free health insurance in Nevada for those who earn a low-income
You may qualify for free or discounted coverage if you earn a low income and live in Nevada.
Medicaid: Best if you earn a low income
Free or low-cost government health insurance, called Medicaid, is available to individuals who earn about $21,000 per year or less (or less than roughly $44,000 per year for a family of four). Nevada Medicaid eligibility depends on your income and other factors, like whether you're pregnant or disabled.
In Nevada, a pregnant woman with no children can enroll in Medicaid if she makes roughly $29,000 or less — or about $59,000 if she has a family of four. Working individuals with disabilities qualify with incomes of up to about $38,000 per year.
You may automatically be eligible for Medicaid if you're on Social Security Disability payments. People living in nursing facilities, children and the elderly may qualify for Medicaid at higher household income levels.
Silver plans with cost-sharing reductions: Best for discounted coverage
| Silver plans will pay 73% to 94% of your medical costs if you have a low income. |
Extra discounts, called cost-sharing reductions, are available to people with Silver health plans who earn a low income. Cost-sharing reductions help you pay up to 94% of the costs you're responsible for when you go to the doctor, such as your deductible, copays and coinsurance.
Silver plans in Nevada have an average limit on how much you'll spend on out-of-pocket costs, called an out-of-pocket max, of $8,134. With cost-sharing reductions, your annual cap on out-of-pocket costs could fall as low as $488.
Cost-sharing reductions are only available if you have a Silver plan.
You need to earn about $38,000 per year or less as a single person (roughly $78,000 per year for a family of four) to qualify for cost-sharing reductions.
Are health insurance rates going up in Nevada?
The cost of health insurance in Nevada rose by 5%, on average, between 2024 and 2025.
Bronze plans had the largest increase at 9%, on average. Silver plans increased in price by an average of 4%, and Gold plans got 2% more expensive, on average.
Catastrophic plans weren't available in Nevada for the 2024 plan year.
Are health insurance rates going up in NV?
Tier | 2024 | 2025 | Change |
|---|---|---|---|
| Catastrophic | N/A | $407 | N/A |
| Bronze | $464 | $504 | 9% |
| Silver | $566 | $592 | 4% |
| Gold | $740 | $755 | 2% |
Monthly costs are for a 40-year-old.
Affordable Care Act (ACA) plans in Nevada offer customers several important benefits. For example, all plans bought through Nevada Health Link are required to cover certain essential benefits.
- Hospital care
- Outpatient care
- Emergency care
- Care for pregnant women and newborns
- Services for mental health and substance use disorders
- Prescription drugs
- Laboratory services
- Coverage for babies
- Rehabilitation services and devices
- Preventive, wellness and ongoing disease services
ACA plans in Nevada also have out-of-pocket maximums. In addition, companies can't charge higher rates or deny coverage for Obamacare plans based on your past health problems.
Short-term health insurance in NV
In January, President Trump signed an order that cancels a Biden-era rule that limited short-term health policies to three months. There isn't a timeline for when this change will happen. However, short-term health insurance that lasts for up to 185 days in a 12-month period could be sold in Nevada sometime in 2025.
Short-term health insurance can help you bridge a temporary gap in coverage. But, you should only consider a short-term plan as a last resort because of their many drawbacks.
Pros of short-term health insurance in NV
Cons of short-term health insurance in NV
Frequently asked questions
Who has the best medical insurance in Nevada?
Health Plan of Nevada has the best health insurance in Nevada. The company scored a good 3-out-of-5-star rating from HealthCare.gov. That means Health Plan of Nevada offers quality coverage, and most customers are happy with their plans.
Health Plan of Nevada also has the cheapest Silver health plans in the state, at $380 per month on average.
Does Nevada have free health insurance?
Nevada residents who earn around $21,000 per year or less (about $44,000 or less for a family of four) may qualify for free government health insurance, called Medicaid. Pregnant women and the disabled may be eligible for coverage with higher incomes.
What's the best cheap health insurance in Las Vegas?
Health Plan of Nevada has the cheapest health insurance in Las Vegas at $380 per month, on average. The company also has the most affordable coverage in large Las Vegas suburbs, such as Henderson and North Las Vegas.
Methodology
Nevada health insurance rate data for 2025 is from the Centers for Medicare & Medicaid Services (CMS) website. ValuePenguin used the CMS public use files (PUFs) to find average rates for different plan tiers and counties. Only plans and insurance companies for which county-level data was included in the CMS Crosswalk file were used in our analysis.
Rates are for a 40-year-old with a Silver plan, unless otherwise noted. Other sources include S&P Global Capital IQ, the National Association of Insurance Commissioners (NAIC) and the Nevada Department of Health and Human Services.
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.