ACA Health Insurance > Break Down > Health Insurance in Nevada
Health Insurance Nevada | Your Friendly Guide to Affordable Coverage
From Las Vegas to Reno—We’ve Got Nevada Covered.
Hey there, Nevada neighbor! Looking for health insurance in Nevada? Whether you’re buying coverage for the first time or shopping around for something better, we’ve got your back. This guide breaks it all down—no confusing lingo, just real info to help you find the plan that fits.
Why Should You Buy Health Insurance in Nevada?
The cost of medical care in Nevada can be sky-high—and skipping insurance leaves you vulnerable. Health insurance gives you protection, access, and peace of mind.
Why coverage matters in Nevada:
Nearly 11% of Nevadans under 65 are uninsured—one of the highest rates in the U.S.
Nevada has fewer primary care doctors per capita than most states, making preventive care even more important.
ACA plans include free preventive services like screenings, checkups, and vaccinations.
Even if you’re healthy today, coverage keeps you ahead of costly surprises tomorrow—and helps you stay on top of your health.
Types of Health Insurance Available in Nevada
Marketplace Plans (ACA via Nevada Health Link)
Nevada operates its own exchange, Nevada Health Link, where residents can compare ACA-compliant plans and apply for financial help.
Short-Term Insurance
Short-term plans are available but provide limited coverage. They don’t meet ACA standards but can help bridge gaps in specific situations.
Medicare
For those 65+ or with qualifying conditions, Medicare covers hospital, outpatient, and prescription services—with options for supplemental coverage.
Medicaid (Nevada Medicaid & Nevada Check Up)
Nevada offers Medicaid for low-income residents and Nevada Check Up for uninsured children in working families.
Private Insurance
Some Nevadans get coverage through employers or purchase plans directly. We help compare all available options side-by-side.
Compare plans based on price and benefits with us.
Is Health Insurance Required in Nevada?
Nevada doesn’t have a state-level health insurance mandate—and the federal penalty is no longer in effect. Still, going uninsured can be a gamble.
Without coverage, you’re one accident or illness away from overwhelming medical bills. Plus, you’d miss out on free care like annual exams or mental health services.
So while there’s no legal requirement, health insurance in Nevada is still one of the smartest moves you can make.
How Much Does Health Insurance Cost in Nevada?
Health insurance prices in Nevada vary based on your income, age, household size, and zip code. Fortunately, many Nevadans qualify for premium tax credits that reduce monthly costs through Nevada Health Link.
Some pay $0/month after subsidies. Others lock in plans under $75/month depending on eligibility. Even middle-income families can qualify for discounts.
If you’re 65 or older, Medicare costs depend on whether you choose Original Medicare, a Medicare Advantage Plan, or a supplemental option.
💡 Add a calculator here to help Nevada residents estimate their premium and subsidy savings.
How to Pick the Right Health Plan for You
To find the best plan for your needs, ask:
How often do I visit doctors or specialists?
What prescriptions do I need?
Do I want to keep my current provider?
What’s my monthly and annual budget?
Some Nevadans prefer lower premiums and higher deductibles. Others want more predictable out-of-pocket costs and richer benefits.
If you’re not sure, our local agents can help you weigh the pros and cons—and pick a plan that fits you best.
Our Health Insurance Services in Nevada
We simplify the health insurance process for Nevadans at every stage of life—whether you live on the Strip or in a small town.
Who We Help
We assist:
Gig workers, freelancers, and part-time employees
Young adults aging off their parents’ plans
Seniors navigating Medicare
Families juggling multiple coverage needs
Anyone who wants help making a confident decision
What We Offer
We assist with:
Nevada Health Link enrollment
Private plan comparisons
Medicare and Medicaid enrollment
Special needs and dual-eligible plans
Vision, dental, and prescription assistance
And yes—we offer bilingual support in Spanish.
How to Get Started
Compare plans.
Talk to a local agent (optional).
Enroll online or by phone.
Done and done—you’re covered.
Most Affordable Health Insurance in Nevada
Here are three carriers offering ACA-compliant, budget-friendly plans on Nevada Health Link:
SilverSummit Healthplan (Ambetter) – Known for competitive premiums and digital-first care options.
SelectHealth – Offers strong preventive care coverage and wellness incentives.
Health Plan of Nevada (UnitedHealthcare) – A trusted name with solid provider networks across the state.
We help you compare each plan’s benefits and networks to make sure it aligns with your needs.
Top 3 Most Uninsured Cities in Nevada
Nevada’s uninsured rates are improving, but some areas still lag behind:
North Las Vegas, NV – High uninsured rates among service workers and young adults.
Pahrump, NV – Rural barriers and limited employer coverage options cause gaps in access.
Elko, NV – Economic shifts and limited plan awareness contribute to high uninsured numbers.
No matter where you live in Nevada, we’re here to help you get covered and stay protected.
Final Tip from Your Friendly Guide
Health insurance in Nevada isn’t just about being ready for emergencies—it’s about accessing care when you need it and avoiding financial stress.
Whether you’re comparing plans or ready to enroll, our Nevada team is standing by to help. Let’s get you covered today.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!