Product design and availability varies by state. Some benefits have waiting periods. Show
No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income. References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies. Each company is a separate entity and is not responsible for another's financial or contractual obligations. Administrative services are provided by United HealthCare Services, Inc. or their affiliates. Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc. This policy is subject to various exclusions and limitations. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable). UHCIENVSTATER5
Nevada implemented the Affordable Care Act's Medicaid eligibility expansion in 2014. Total Medicaid enrollment in the state grew by 155% from late 2013 through early 2022, which was the highest percentage increase in the country. Learn about Medicaid expansion in Nevada. Learn more.
In Nevada, there were about 565,000 Medicare enrollees as of early 2022. Read more about Medicare in Nevada, including the state’s rules for Medigap plans.
Protect yourself from the soaring costs of dental procedures. Compare plan options to see premiums and deductibles that fit your budget. Compare plans now.
Does sorting through your health insurance options in Nevada give you a giant headache? Benzinga will give you a mega dose of ibuprofen. We’ve sifted through everything about health insurance that you need to know as a Nevada resident. Quick Look at the Best Health Insurance in Nevada:Best Health Insurance Providers in NevadaWhen it comes to how to get health insurance, the first step is comparing your options. Here are the best health insurance providers in Nevada, based on our research: 1. AnthemAnthem offers several options through Nevada Health Link and local employers. Nevada Health Link is the state’s health insurance marketplace. You can choose plans with a lower monthly premium but higher out-of-pocket costs. You can also go with a plan with a higher monthly payment but with a lower deductible and copay. Anthem tops the list due to the tools it offers to simplify your healthcare and its easy-to-navigate website and digital identification card. You can get prescriptions delivered and manage your account online or through its mobile app. 2. Aetna
Aetna has the highest overall NCQA ranking of any health plan in Nevada. It offers Medicare Advantage plans and employer-sponsored coverage to Nevada residents. You'll also find multiple Medicare Advantage plans with no monthly premium. Its Medicare Advantage plans also include fitness club memberships and prescription delivery. Its employer-sponsored plans vary by employer. 3. Health Plan of NevadaHealth Plan of Nevada also offers plans through Nevada Health Link and local employers. It has the 2nd-highest NCQA ranking in Nevada and a variety of plans at various price points. Health Plan of Nevada also offers virtual visits through the NowClinic app. You can keep track of your health information through its online portal. 4. Ambetter
Ambetter offers a variety of Nevada Health Link plans. One of Ambetter’s unique features is its rewards program. You earn points for doing things like getting your annual checkup or a flu vaccine. You can convert those points into dollars, which you can use to help pay for doctor copays and deductibles. Ambetter also offers a user-friendly website that you can use to track your health information. 5. Prominence Health PlanProminence Health Plan offers employer-sponsored and Medicare Advantage plans. Its Medicare Advantage plans are available in Washoe County, Douglas County, Lyon County, Storey County and Carson City. Prominence Health Plan offers telemedicine, which makes it easy to reach a health provider around the clock. The NCQA ranked Prominence Health Plan 3rd in the state. 6. eHealth
eHealth partners with over 180 top insurers to help you find the best health coverage for you. If you own a small business, eHealth is a great option. You can apply for small business health insurance in as little as 15 minutes. Here are a few key factors:
The average eHealth small business plan covers 5 people and costs $1,432 per month in premiums — $286 per person. Visit eHealth's website to get the exact cost for your area and your business. What is Health Insurance?Health insurance helps keep your healthcare costs low. You agree to pay a monthly premium, and in exchange, your health insurance company pays the balance of the costs. This doesn’t mean you don’t pay anything out of pocket. Health insurance plans usually have deductibles, copays and coinsurance. We’ll break it down for you:
Health insurance plans also have an out-of-pocket maximum. This is the most you would pay out-of-pocket for covered health care in a given year. Average Cost of Health Insurance in NevadaHealth insurance providers can’t charge you more based on your gender or your health. They can offer you different rates based on:
Many people get their health insurance through an employer. The Commonwealth Fund looks at how much people pay for employer-sponsored health insurance. In Nevada, people paid an average of $1,355 per year for individual coverage. Employees paid $6,252 per year for family coverage. Individual coverage is lower than the national average of $1,427. Family coverage is above the national average of $5,431. Health insurance companies sometimes offer discounts. For example, they may offer you discount points you can use toward health costs if you join an exercise program or meet with a health coach. Be cautious about any plans that advertise themselves as discount health plans. The Federal Trade Commission warns that these are sometimes scams. If you’re uncertain about whether a plan is legitimate, check with the Nevada Division of Insurance. Types of Health CoverageWhen you start looking for affordable health insurance, you’ll see several types of health coverage. Here are the most common ones:
Low-income Nevada residents may qualify for Medicaid. Medicaid is state- and federally funded health insurance. What Does Health Insurance Cover?Health insurance covers a wide range of services related to your health. Although coverage varies by plan, in general, health insurance covers:
Some health insurance plans offer extra benefits like membership to a gym. What Does Health Insurance Not Cover?Health insurance companies typically only cover services it considers “medically necessary.” Health insurance will not usually cover:
If there’s a specific type of care you’re looking for, check with potential health insurance plans before enrolling. Most plans offer general guidance about what it covers and what it doesn’t. Find the Right Nevada Health Insurance for YouFinding the best health insurance takes time. Start by discerning which plans you qualify for. If you have a limited income, you may want to start by applying for Medicaid. If you have coverage through work, consider your plan options. Look at more than just the monthly premium. If your plan has a high deductible, it could make it challenging to keep up with your medical bills. Look for a balance between an affordable premium and a reasonable deductible. If you don’t have coverage through work, Nevada Health Link offers a range of plans. Take advantage of open enrollment in November each year. You can also enroll due to life events such as moving or losing employer coverage. Frequently Asked QuestionsWhats the average cost of health insurance in Nevada? Health insurance tends to be about $475/ year. |