Best Health Insurance in Nevada 2021

Last modified: March 6, 2021

The best health insurance in Nevada is one that suits your requirements. There are many kinds of health insurance in Nevada, including employer-provided insurance, government-assisted insurance, individual, family, and short-term insurance. The state marketplace is the right place to start your research from, which can be accessed by typing healthNevada.org in your browser of choice.

There are also private insurance companies that you can turn to for your health insurance. The health insurance marketplace in Nevada includes providers like Select Health, Blue Cross of Nevada, Mountain Health CO-OP, and Pacificsource. We will be discussing their plans in detail as well as offering you guidance on finding the cheapest health insurance.

List of Providers and Comparison of Plans

The health insurance companies in Nevada often offer Medicare and Medicaid under the ACA law. Hence, the following companies may provide government-assisted plans if you are eligible for them, but in this section, we will mostly focus on their individual and family plans. 

Select Health

Select Health offers individual and family plans under the Affordable Care Act plan. They include comprehensive medical coverage for prescription, dental, and medical needs. Coverage isn’t denied due to any pre-existing conditions. Select Health plans include coverage for preventive services and essential benefits. You will also receive reduced monthly premiums if you are eligible for the subsidy.

Anthem Blue Cross of Nevada

Nevada health insurance plans are outlined under the ACA law. Anthem Blue Cross of Nevada offers health benefits that are based on your budget and needs. You will receive a plan with consideration of your family size, how many appointments you usually have, emergency needs, and a host of other factors. This ensures that you will receive coverage for all of your needs.

ACA offers financial assistance to Anthem members if they are eligible for the discount. This subsidy can help reduce your monthly health costs.

Aetna

Aetna has high rankings in Nevada and offers employer, individual, family, and government-assisted plans. They offer Medicaid and Medicare plans to individuals where you can get subsidized healthcare benefits if you are eligible. Other plans include employer plans and student plans that are also based on certain conditions. Hence, you will not be able to purchase private plans from Aetna if you don’t qualify for their eligibility requirements.

Pacific Source

Health insurance providers in Nevada divide their individual and family plans according to metal tiers. Pacific Source plans are divided into three metal tiers: bronze, silver, and gold. The Bronze plan offers the lowest premium costs for the month, which is perfect for people on a budget. However, you will have to compensate with higher deductibles and out-of-pocket expenses. This plan is suitable for folks who don’t visit the doctor too often and are in the prime of their health.

The Silver plan is a mid-tier plan with mid-level premium costs. It has mid-level out of pocket costs but high deductibles. It is a good option for people who frequently visit the doctor and have some regular prescriptions to manage.

The Gold plans are designed for people who visit the doctor often and have medical conditions that require long-term medical attention. The plan comes with high premiums per month but makes up in terms of deductible and out-of-pocket costs; these costs are quite low.

Cheapest Health Insurance Plan by County in Nevada

The cheapest health insurance in Nevada is based on where you reside in the state. If you want affordable health insurance in Nevada, you have to be mindful of your county. Here is a complete breakdown of the cheapest health insurance plans according to county:

County Cheapest Insurance Plan Individual, Aged 40 Years Couple, Aged 40 Years
Clark Friday Silver $352 $705
Washoe Friday Silver $352 $705
Lyon Anthem Silver Pathway $439 $877
Storey Anthem Silver Pathway $524 $1,048
Carson City Anthem Silver Pathway $524 $1,048
Lincoln Anthem Silver Pathway   $1,264
Esmeralda Anthem Silver Pathway $632 $1,264
White Pine Anthem Silver Pathway $632 $1,264
Lander Anthem Silver Pathway $632 $1,264
Eureka Anthem Silver Pathway $632 $1,264
Humboldt Anthem Silver Pathway $632 $1,264
Churchill Anthem Silver Pathway $632 $1,264
Mineral Anthem Silver Pathway $632 $1,264
Pershing Anthem Silver Pathway $632 $1,264
Elko Anthem Silver Pathway $632 $1,264

As you can see, the cheapest plan for Clark costs around $352 for individuals and $705 for couples. On the other hand, other cities in the state can even cost twice as much as Clark does. The location can have a huge impact on your ability to get cheap health insurance in Nevada.

Average Cost of Health Insurance by Family Size in Nevada

The average cost of health insurance in Nevada is $1,355 a year for individuals. There isn’t much data on the average health insurance Nevada quotes based on your family size for the state, but it is above the national average, according to some studies.

Nevada Health Insurance Guide and Resources

Nevada follows the individual mandate under the Affordable Care Act (ACA). One requirement of the law is that specific people must have health insurance coverage. This means that if you cannot afford healthcare insurance, it will be provided to you through Medicaid and Medicare. However, every individual must be part of a health insurance plan.

Health insurance in Nevada includes individuals, employers, families, short-term, and government-assisted plans. Here is a complete guide on the different sources of health insurance in the state.

Employer Health Insurance

Employers are not required by law to provide healthcare insurance to their employees, but many employers do offer it as an added benefit. If health insurance is offered by an employer, there are some guidelines that must be followed. Certain benefits such as an option to remain on the group plan even if you leave the employment must be ensured by employers.

Private Insurance Plans

Individual health insurance in Nevada is possible for people who can afford it. Individual and family plans are available by private providers that allow you to browse for your own plan. Private health insurance in Nevada can be great, but you need to make sure you do proper research. You should keep deductibles, premiums, copays, visits, primary care, and other benefits in mind when choosing a plan. The costs for your plan can be affected by your income, age, gender, pre-existing conditions, BMI, and other factors.

Government-Assistance Plans

Obamacare in Nevada offers Medicaid and Medicare coverage to all residents if they cannot afford health insurance. Currently, there are 498,000 people rolled into the Medicare program. It offers benefits to seniors over 60 or individuals under 65 with disabilities. You need to be a permanent resident or have citizenship in order to qualify for the program.

Medicaid offers benefits to pregnant women, parents, children, seniors, and individuals with disabilities. You need to be a legal alien, citizen, US national, or have permanent residency to qualify for Medicaid.

The Medicaid and Medicare plans are offered by private companies, so you can check out the plans from private providers.

Tips To Save On Health Insurance in Nevada

Premiums for your Nevada health insurance plan can be affected by the following factors:

  • Body mass index
  • Tobacco use
  • Age
  • Location
  • Cost-sharing reductions
  • Family size or individual
  • Pre-existing conditions
  • Gender
  • Insurance and medical history

 This is why the Nevada health insurance exchange recommends reductions in smoking and BMI since they can reduce costs for you.

Pros & Cons

The Pros

The Cons

Final Verdict

FAQs

When is Nevada open enrollment for 2021 health insurance coverage?

The enrollment period for 2021 was opened on January 1st.

Did Nevada expand Medicaid?

Nevada expanded Medicaid in 2012, leading to a huge increase in enrollments. Nevada free health insurance protects children, pregnant women, seniors, parents, low-income persons, and individuals with disabilities.

Is Health Insurance Mandatory in Nevada?

Nevada has the individual mandate, which makes it mandatory for all people to have health insurance. If you cannot afford private insurance, you can take advantage of Nevada state health insurance.

What is the income limit for Medicaid in Nevada?

The income limit for Nevada for Medicaid is $16,753 per year for individuals and $34,638 for a family of four.

What are Short term health insurance conditions?

Short term health insurance in Nevada is an insurance plan for a full year with renewals possible for 36 months. If you are in between jobs, about to move, or transitioning between insurance plans, it is a good option for you.

What is the uninsured population rate in Nevada?

Nevada is a 14% uninsured rate, which is 4 points above the national uninsured rate.