Nevada has 130,000+ ACA marketplace enrollees. Compare Nevada health insurance plans, estimate your subsidy, and understand your options. Free, unbiased, and takes 2 minutes.
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This search surfaces our written guides. It doesn't replace advice from a licensed insurance producer.
A licensed Nevada agent will review your options and help you compare ACA Marketplace plans at no cost to you.
Nevada residents enroll through Nevada Health Link (nevadahealthlink.com), the state-run marketplace. Missing key deadlines can mean waiting months for coverage.
The ACA Marketplace opens for new enrollments and plan changes for the 2027 coverage year.
Enroll by December 15 to have your plan start on January 1, 2027. The most-used deadline.
The final day of Open Enrollment. Plans start February 1, 2027. After this, a qualifying life event is required.
Lost coverage? Changed jobs? Moved? Qualifying life events open a 60-day Special Enrollment Period any time of year.
Find out if you qualify for Advanced Premium Tax Credits (APTC) that lower your monthly premium in Nevada.
These are the primary insurance companies offering ACA Marketplace plans in Nevada. Availability varies by county and zip code.
Nevada's largest insurer by enrollment, offering Marketplace HMO and PPO plans statewide.
A Northern Nevada-based plan offering affordable Marketplace coverage tied to the Renown Health provider network.
Tech-forward health insurance with a modern app and virtual care options in the Las Vegas and Reno markets.
Affordable Marketplace and Medicaid plans designed for low-to-moderate income individuals and families in Nevada.
A Nevada regional plan offering Marketplace options in Reno/Sparks and the greater Northern Nevada area.
National carrier with Nevada Marketplace plan offerings in select Clark and Washoe County markets.
Answers to the most common questions about ACA health insurance in Nevada.
Yes. Nevada runs Nevada Health Link at nevadahealthlink.com. This state-based marketplace is where you enroll in ACA Marketplace plans and apply for Premium Tax Credits. Nevada transitioned to a fully state-run exchange in 2020.
Yes. Nevada expanded Medicaid in 2014. Nevadans earning up to 138% of the Federal Poverty Level (about $22,025 for a single person in 2026) may qualify for Nevada Medicaid at little or no cost. Nevada also has expanded children's coverage through Nevada Check Up (CHIP).
Premium Tax Credits are available to Nevada residents earning above 138% of the FPL. There is no strict upper income cap — anyone paying more than 8.5% of income on the benchmark Silver plan may still qualify for some subsidy. Use the calculator above to estimate your amount.
Nevada Marketplace offers Bronze, Silver, Gold, and Platinum plans through Nevada Health Link. Silver plans are typically the best value for subsidy-eligible enrollees. If you qualify for Cost-Sharing Reductions (100–250% FPL), you must enroll in a Silver plan to access those benefits.
Your deductible is the amount you pay for covered services before insurance starts paying. Your out-of-pocket maximum is the most you pay in a year — once you hit it, insurance covers 100% of covered costs. For 2026, the ACA out-of-pocket maximum is $9,200 for an individual and $18,400 for a family.
A Special Enrollment Period (SEP) lets you enroll in or change a Marketplace plan outside of Open Enrollment if you have a qualifying life event. Events include losing other health coverage, getting married, having a baby, moving to a new area, or turning 26. You typically have 60 days from the event to enroll.
At the federal level, the individual mandate penalty was reduced to $0 in 2019. Nevada does not have a state-level penalty either. However, going without insurance means paying 100% of all medical costs out of pocket — even a short hospital stay can cost tens of thousands of dollars without coverage.
ACA plan availability, carrier options, and costs vary by county. Select your county for local plan data, carrier listings, and subsidy estimates specific to where you live.
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17 Nevada counties have a dedicated page live today. More are added regularly.