Best Cheap Health Insurance in Nevada for 2026
Health Plan of Nevada sells the best cheap health insurance in Nevada. Silver plans start at $464 per month before discounts.
Best and cheapest health insurance in Nevada
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Aetna will stop selling medical insurance in Nevada at the end of 2025. If you're an Aetna customer, you'll need to get coverage through another company when open enrollment (Nov. 1 to Jan. 15) starts. Health Plan of Nevada is the best overall choice for health insurance in the state, while Imperial Insurance Company has the cheapest quotes for most individuals in Nevada.
- Nevada is adding a public medical insurance plan option to the state marketplace starting in 2026. The public health insurance option is projected to cost at least 15% less than an average policy. These public health plans, called Battle Born State Plans (BBSPs), should be available on Nevada Health Link no later than Jan. 1, 2026.
Cheapest health insurance companies in Nevada
Health Plan of Nevada, Anthem, Imperial Insurance Companies and Ambetter have the most affordable Silver health insurance plans in Nevada, with coverage starting at $463 per month before discounts.
Affordable health insurance in Nevada
Company |
Cost
| |
|---|---|---|
| Imperial Insurance Company | $463-$575 |
| Anthem | $464-$985 |
| Health Plan of Nevada | $464-$967 |
| Ambetter | $464-$960 |
Imperial Insurance Company has the cheapest health insurance plans for three out of every four people in Nevada. The company also has the most affordable Silver plans in the Las Vegas metro area.
Cheapest Nevada health insurance plans for rural areas
Anthem BCBS has the cheapest medical insurance plans in more than half of Nevada counties. These are also some of the most rural counties in the state, with only 4% of Nevada's population living in them.
Anthem BCBS plans are also available in every other county in Nevada. It’s not always the cheapest rate, but the company consistently has affordable coverage. For example, Anthem charges only $1 more per month for a Silver health plan in Las Vegas than Imperial Health Insurance, which has the cheapest overall rates in the state.
What you pay for health insurance differs considerably depending on where you live in Nevada. You can expect to pay hundreds of dollars per month more for coverage in rural areas than in large cities, such as Las Vegas, Reno or Carson City.
Best health insurance companies in Nevada
Health Plan of Nevada has the best private health insurance for most individuals in Nevada.
Health Plan of Nevada has a strong 4-out-of-5-star rating from HealthCare.gov, which ties it for first among health insurance companies in Nevada alongside Ambetter and Hometown Health. This solid rating reflects general satisfaction with plan coverage and customer service.
Best-rated health insurance companies in Nevada
Company |
ACA rating
|
ValuePenguin rating
|
|---|---|---|
| Health Plan of Nevada | ||
| Ambetter | ||
| Hometown Health | ||
| SelectHealth | ||
| Anthem |
Health Plan of Nevada also gets far fewer complaints than an average company its size.
How much is health insurance in Nevada per month?
Individual health insurance plans in Nevada cost $792 per month at full price or an estimated $202 per month after discounts, on average.
- Higher plan tiers have less affordable monthly rates. In Nevada, Silver plans cost $158 per month more than Bronze plans, on average. Gold plans are $178 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.
Health insurance discount changes in Nevada for 2026
Health insurance costs $792 in Nevada, or about $202 per month, on average, if you're eligible for discounts because of your income.
The average cost of a Silver health plan after discounts, called subsidies, will rise from about $99 in 2025 to $202 in 2026. That's because discounts are getting smaller in 2026.
In 2021, the government increased subsidies available to people using the HealthCare.gov and state marketplaces, such as Nevada Health Link. These extra discounts expire at the end of 2025. You can still get health insurance discounts in 2026, but they'll be smaller than in past years.
Health insurance rates in Nevada after subsidies (2025 vs. 2026)
Income | 2025 rate | 2026 rate | Difference | |
|---|---|---|---|---|
| $30,000 | $49 | $155 | 216% | |
| $40,000 | $154 | $287 | 86% | |
| $50,000 | $283 | $415 | 47% | |
| $60,000+ | $414 | $497 | 20% |
Average cost after subsidies for a single 40-year-old with a Benchmark Silver plan.
- Who can get subsidies? To get discounts, you need to make between about $22,000 and roughly $63,000 as a single person (around $44,000 to $129,000 for a family of four). Your subsidy will be higher if you make less money. If you make less than what qualifies for subsidies, you can enroll in free government health care, called Medicaid.
- How do subsidies work? You can use your subsidy or discount on any Bronze, Silver or Gold plan bought through Nevada Health Link. You can choose to have your discount applied to your monthly rate, or you can get it as a lump sum when you file your taxes.
- How much do you save? You can get an idea of your potential savings by using ValuePenguin's subsidy calculator.
Cheap health insurance in Nevada by city
Imperial Insurance Company has the cheapest health insurance in Las Vegas, starting at $463 per month for an individual Silver plan.
Hometown Health sells the cheapest Silver plans in Reno and Carson City, at an average cost of $503 per month and $646 per month, respectively.
Cheapest health insurance by NV county
County|Cheapest plan|Monthly rates _County | Cheapest plan | Monthly rates |
|---|---|---|
| Carson City | Hometown Health IFP Renown | $646 |
| Churchill | Anthem BCBS Battle Born State Plan X | $819 |
| Clark | Imperial Insurance Company Imperial Standard | $463 |
| Douglas | Hometown Health IFP Renown | $646 |
| Churchill | Anthem BCBS Battle Born State Plan X | $819 |
Cheapest plan with rates for a 40-year-old
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 determine how much 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. |
In Nevada, Gold plans cost an average of $970 per month before discounts.
Gold plans are a good choice for people who have long-term illnesses or disabilities that require frequent medical care, such as cancer, heart disease or multiple sclerosis.
These 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 individuals who need a lot of medical care or who have expensive prescriptions.
Silver plans: Best for average medical needs
| Silver plans pay for about 70% of your medical care. |
In Nevada, Silver plans cost $792 per month, on average, before discounts.
Deductibles average $5,923 for this plan tier.
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.
Bronze plans: Best if you are healthy and can afford unexpected medical bills
| Bronze plans pay for about 60% of your medical care. |
In Nevada, Bronze plans cost an average of $634 per month before discounts.
Plans have an average deductible of $8,134 per year.
Bronze plans have the most affordable 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.
Catastrophic plans: Best for preventing financial disasters
In Nevada, Catastrophic plans cost $397 per month, on average, for a 21-year-old.
You can only buy a Catastrophic plan if you're under the age of 30 or you qualify for a special hardship exemption.
Plans have an average deductible of $10,600 per month.
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.
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 $22,000 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.
Cost-sharing reductions are only available if you have a Silver plan.
You need to earn about $39,000 per year or less as a single person (roughly $80,000 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 29%, on average, between 2025 and 2026.
Silver plans had the largest increase, at 34%, on average. Gold plans increased in price by an average of 28%, and Bronze plans got 26% more expensive, on average. Health insurance rates are projected to rise sharply in 2026.Since 2022, the cost of a Silver plan has gotten 37% more expensive.**
Are health insurance rates going up in NV?
Bronze
Silver
Gold
Year | Cost | Change |
|---|---|---|
| 2022 | $469 | – |
| 2023 | $463 | -1% |
| 2024 | $464 | 0% |
| 2025 | $504 | 9% |
| 2026 | $634 | 26% |
Monthly costs are for a 40-year-old. Expanded Bronze plans are included in 2024, 2025 and 2026 averages, when they're offered.
Bronze
Year | Cost | Change |
|---|---|---|
| 2022 | $469 | – |
| 2023 | $463 | -1% |
| 2024 | $464 | 0% |
| 2025 | $504 | 9% |
| 2026 | $634 | 26% |
Monthly costs are for a 40-year-old. Expanded Bronze plans are included in 2024, 2025 and 2026 averages, when they're offered.
Silver
Year | Cost | Change |
|---|---|---|
| 2022 | $578 | – |
| 2023 | $575 | -1% |
| 2024 | $566 | -2% |
| 2025 | $592 | 5% |
| 2026 | $792 | 34% |
Monthly costs are for a 40-year-old.
Gold
Year | Cost | Change |
|---|---|---|
| 2022 | $685 | – |
| 2023 | $734 | 7% |
| 2024 | $740 | 1% |
| 2025 | $755 | 2% |
| 2026 | $970 | 28% |
Monthly costs are for a 40-year-old.
Why Are health insurance rates going up in NV in 2026?
Health insurance got much more expensive in Nevada in 2026 because of expiring tax credits, rising health care costs and general inflation.
The end of Covid-era enhanced subsidies is driving up the cost of Nevada medical insurance for everyone, including those who aren't eligible to get discounts. That's because when the cost of health insurance rises, healthier people tend to go without coverage at a higher rate than individuals in poor health. This causes rates to increase for those who still have health insurance.
The growing use of expensive prescription medications such as GLP-1 drugs, which include Wegovy and Ozempic has also contributed to rising health care costs. As a result, some companies will no longer cover GLP-1 drugs for weight loss in 2026.
How to save on Nevada health insurance in 2026
- See if your income qualifies you for free government health insurance, called Medicaid.
- Get a high-deductible health plan (HDHP) and open a health savings account (HSA) to save on your monthly rate and lower your tax bill.
- Compare quotes from different companies in your area to save without sacrificing coverage.
Affordable Care Act (ACA) essential benefits
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 plans in NV
In January, 2025, President Trump signed an order that canceled a Biden-era rule that limited short-term health policies to three months. That means you can now get short-term health insurance in Nevada for up to six months per year.
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 plans in NV
Cons of short-term health insurance plans in NV
Health insurance enrollment by income level in Nevada
The rollback of extra health insurance subsidies in 2026 has an outsized impact on individuals who earn a low income.
That's because most of the people who buy coverage through Nevada Health Link make a below-average income. For example, in Nevada for 2025, roughly half of people with marketplace coverage made less than about $30,000.
Enrollment by income
Income | % of total enrollment |
|---|---|
| Less than $15,060 | 3% |
| $15,060 to $20,783 | 9% |
| $20,784 to $22,590 | 15% |
| $22,591 to $30,120 | 23% |
| $30,121 to $37,650 | 17% |
Enrollment in 2025 marketplace plans made during the 2024-2025 Open Enrollment period. Total may not be 100% due to rounding
Frequently asked questions
Is $200 a month expensive for health insurance in Nevada?
No, $200 per month is affordable for an individual medical insurance plan in Nevada. That's almost one-quarter the statewide average for a Silver health plan.
What is the average cost of health insurance in Nevada?
Health insurance in Nevada costs an average of $792 per month for a 40-year-old individual with a Silver health plan. But the average cost after discounts, called subsidies, is about $202 per month.
How do I get health insurance in Nevada?
The best way to get health insurance in Nevada, if you don't get it through a job or Medicare, is by going through the state health exchange, Nevada Health Link. The health insurance marketplace makes it easy to compare plan options in your area. Plus, you can see the size of your estimated discounts, also called subsidies or premium tax credits.
Who has the best medical insurance in Nevada?
Health Plan of Nevada has the best health insurance in Nevada. The company scored a good 4-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 affordable Silver health plans in the state, at $464 per month on average.
Is health insurance getting more expensive in Nevada for 2026?
Yes, the cost of medical insurance before discounts, called subsidies or premium tax credits, in NV is increasing by an average of 29% between 2025 and 2026. Nevada residents who are eligible for discounts will see their rates roughly double, going from an estimated $99 per month to about $202 per month.
Does Nevada have free health insurance?
If you live in Nevada and you earn around $22,000 per year or less (about $44,000 or less for a family of four), you 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 cheapest health insurance in Las Vegas?
Imperial Insurance Company has the cheapest health insurance in Las Vegas, at $463 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 2026 is from Nevada Health Link. ValuePenguin uses the state marketplace data to find average rates for different plan tiers, geographic locations and family sizes.
Rates
Rates are based on a 40-year-old with a Silver plan, unless otherwise noted. Rates for Bronze plans include regular and Expanded Bronze plans for 2024, 2025 and 2026, when the plans are available. Your costs and plan options will vary; plans aren't always available in all parts of a state or county.
Subsidies
Rates after subsidies are estimates for a 40-year-old with a Benchmark Silver plan and are based on how subsidies were structured before 2021. Prices are calculated using KFF's rates for full-price Benchmark plans, federal poverty levels (FPLs), IRS rules about premium tax credits and Congressional reports about expanded tax credits. The total cost in the state uses calculated rates by income, which are weighted using CMS data on the incomes of those who purchased plans during last year's open enrollment. The median was used for each income range. Unknown incomes were excluded from the calculations. Incomes of 100% of the federal poverty line and 500% of the federal poverty line were assumed for enrollees who earn less than 100% FPL and more than 500% FPL, respectively. Information about state subsidies, when available, was sourced from state marketplaces.
Ratings
ValuePenguin's experts rank companies based on cost, coverage options, customer satisfaction and unique value. Ratings are out of 100 possible points. ACA ratings show how the company performs in Nevada for medical care, member experience and plan administration. This 2026 plan quality data from CMS is based on data from last year. Ratings are not available for new plans or plans with low enrollment.
More sources
Enrollment trends, including plan selections by tier and enrollment by income, are from CMS data for the 2025 open enrollment period.
Other sources include S&P Global Capital IQ and the National Association of Insurance Commissioners (NAIC) and KFF-Peterson.
Senior Writer
Talon Abernathy is a ValuePenguin Senior Writer who specializes in health insurance, Medicare and Medicaid. He's also contributed to other insurance verticals including home, renters, auto, motorcycle and flood insurance.
Talon came to ValuePenguin in 2023. Since his arrival, he's helped to expand the site's health insurance-related content offerings. He enjoys helping readers understand the ins and outs of America's all too complicated health insurance landscape.
Before coming to ValuePenguin, Talon worked as a freelance writer. His prior work has touched on a broad range of personal finance-related topics including credit-building strategies, small business incorporation tactics and creative ways to save for retirement.
Insurance tip
In many parts of the country, you can qualify for a free Silver health insurance plan if you meet certain income requirements. Government subsidies in the form of premium tax credits and cost-sharing reductions may mean you'll pay nothing for coverage.
Expertise
- Health insurance
- Medicare and Medicaid
- Flood insurance
- Homeowners insurance
- Renters insurance
- Auto and motorcycle insurance
Referenced by
- The Miami Herald
- Money.com
- MSN
- Nasdaq
- The Sacramento Bee
- Yahoo! Finance
Education
- BA, University of Washington
- Certificate in Copyediting, UC San Diego
Credentials
- Licensed Life & Disability Insurance Agent
- Licensed Property & Casualty Insurance Agent
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.
