There are currently three health insurance providers in Nevada. Nevada is now a fully state-run exchange so residents must enroll in health plans through Nevada Health Link, not healthcare.gov.
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How to Buy Health Insurance in Nevada
Some Nevada residents may already receive health insurance through an employer or the federal government. For those who do not, there are three private insurance companies that offer health plans through the Nevada state exchange. Health insurance in Nevada is offered in four tiers: Catastrophic, Bronze, Silver, and Gold.
How to Apply for Health Insurance in Nevada
The open enrollment for 2023 health insurance plans in Nevada begins on November 1, 2022. Health insurance plans in Nevada are available to residents via the state exchange.
Health Insurance Carriers In Nevada
There are seven health insurance carriers in Nevada: Anthem Blue Cross Blue Shield (HMO Colorado/HMO Nevada), Friday Health Plans, Health Plan of Nevada, SelectHealth, Silver Summit, Aetna Health and Hometown Health Plan.
Nevada Health Insurance Costs Overview
The cost of health insurance in Nevada will depend on many factors, including the carrier you choose, the tier of package you need, and other factors including where you live and your general health status. The following premiums are calculated for the average 40-year-old.
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in Nevada?
The average monthly premium for a 40-year-old resident of Nevada is $414.
What is the Cheapest Health Insurance Plan in Nevada?
Premiums for the forthcoming year in Nevada are set by an insurer, and approved by the federal health insurance exchange.
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Cheapest Nevada Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Nevada in 2025 was $512.
Silver Plans
The average lowest cost premium of a Silver Plan in Nevada in 2025 was $413.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $345.
Other Types of Nevada Health Insurance Coverage
Catastrophic Health Insurance in Nevada
Catastrophic health insurance plans are available to Nevada residents under the age of 30, or those who qualify for a hardship exemption. This type of plan typically has a low premium, but a very high deductible and high out-of-pocket costs. Catastrophic health insurance can be purchased through Nevada Health Link.
Short Term Health Insurance in Nevada
Nevada residents who missed the open enrollment period or recently lost coverage from an employer may wish to enroll in short-term health insurance. In Nevada, short-term plans have very strict rules: they carry maximum terms of 185 days and are non-renewable.
Low Income Health Insurance in Nevada
Low-income families in Nevada can apply for Medicaid. In Nevada, households with annual incomes of up to 138% of the federal poverty level may qualify for Medicaid.
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Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D