Quick answer
Nevadans buy Marketplace coverage through Nevada Health Link, the state’s own exchange, where the 2026 benchmark silver plan for a 40-year-old averaged $497 a month before subsidies, about $128 below the U.S. average of $625. That’s roughly $389 a month at 21 and $1,167 at 64. The average enrollee paid $234 a month after tax credits in 2026. Nevada’s 2027 rates are approved, with average increases of 17.2% to 18.8% before subsidies, depending on the calculation.
Key takeaways
- Nevada runs its own exchange, Nevada Health Link, so you enroll there instead of on HealthCare.gov.
- The 2026 benchmark premium for a 40-year-old averaged $497 a month, about 20% below the national average.
- Approved 2027 rates rise an average of 17.2% to 18.8% before subsidies, and approved increases by insurer run from 3.1% to more than 25%.
- Battle Born State Plans, Nevada’s public option, went on sale for 2026 under a federal waiver that also funds a state reinsurance program.
- 104,286 Nevadans picked a plan for 2026, and about 83% got a premium tax credit or cost-sharing help.
On this page
What a Nevada Marketplace plan costs before subsidies
| Age | Benchmark silver plan, per month (2026 estimate) |
|---|---|
| 21 | $389 |
| 30 | $441 |
| 40 | $497 |
| 50 | $695 |
| 60 | $1,055 |
| 64 | $1,167 |
| Child under 15 | $298 |
For a couple of 40-year-olds with two young children, benchmark coverage would run about $1,589 a month before any tax credit.
What you’d pay after a tax credit
The federal premium tax credit works the same way on Nevada Health Link as it does on HealthCare.gov. It’s based on the benchmark plan and your household income, and it’s available from 100% to 400% of the federal poverty level. Take a single 40-year-old earning $40,000: in 2026 they’d pay about $287 a month for the benchmark plan, and the credit would pick up roughly $210. In 2027 their share would be about $289. Earn more than 400% of the poverty level, which is $62,600 for one person for 2026 coverage and $63,840 for 2027, and the credit goes away.
Enrollees who got a credit in 2026 received $516 a month on average. Counting everyone, including people who paid full price, the average bill after subsidies was $234 a month, compared with $178 nationally. Nevada doesn’t add a premium subsidy of its own on top of the federal credit.
Costs beyond the premium
Your premium pays for the plan, and using it costs extra. Expect a deductible on most plans, then copays or coinsurance until you reach the out-of-pocket maximum, which can’t exceed $10,600 for one person in 2026 or $12,000 in 2027. Silver plans lower those costs through cost-sharing reductions if your income is below 250% of the poverty level.
Nevada Marketplace facts
- Marketplace: Nevada Health Link (nevadahealthlink.com), a state-run exchange. Nevada residents enroll there, not on HealthCare.gov.
- Enrollment: Nevada Health Link recorded 104,286 plan selections for 2026, compared with 110,687 for 2025, a drop of about 6%. About 83% of enrollees got a premium tax credit or cost-sharing reductions.
- Insurers: Nine insurers sold 2026 plans, and all nine have approved rates for 2027: CareSource Nevada, HMO Nevada and Community Care Health Plan of Nevada (both Anthem Blue Cross Blue Shield), Health Plan of Nevada, SelectHealth, SilverSummit, Hometown Health Plan, Imperial Insurance Companies and Molina Healthcare of Nevada. Cigna isn’t among them, so its 2027 exit from other states doesn’t affect Nevada.
- 2027 prices: Approved. The Division of Insurance’s 2027 schedule set August 18, 2026 as the date rates were finalized. Depending on who does the math, the weighted average increase is 17.2% (ACA Signups) or 18.8% (healthinsurance.org). Approved increases range from 3.1% (Hometown Health Plan) to more than 25% (Imperial), and Health Plan of Nevada, with about 44,000 enrollees, got 21.7%. See premium increases by state.
- State help: Battle Born State Plans, a state public option, went on sale through Nevada Health Link for 2026, and the exchange says they’re required to meet premium reduction targets. CMS approved the federal waiver behind them in January 2025 for plan years 2026 through 2030, and it also pays for a state reinsurance program that started in 2026. Nevada has no individual mandate.
- Medicaid: Nevada expanded Medicaid in 2014, covering adults up to 138% of the poverty level. Children can qualify for Nevada Check Up, the state’s CHIP, with family income up to 200% of the poverty level. A 2025 federal law requires most expansion states to add Medicaid work requirements in 2027; see Medicaid work requirements.
When to enroll
Open enrollment on Nevada Health Link for 2027 coverage runs from November 1, 2026 to January 15, 2027. State exchanges can set their own cutoff for coverage that starts January 1, so check Nevada Health Link for that date instead of assuming HealthCare.gov’s December 15. If you miss the window, see what you can do after open enrollment.
Other options in Nevada
- Coverage through a job, which usually costs less when it’s available.
- Nevada Medicaid for adults up to 138% of the poverty level, and Nevada Check Up for children; see health insurance for children.
- Medicare starting at age 65.
Health insurance costs in nearby states: California, Oregon, Idaho, Utah and Arizona. You can also compare health insurance costs in every state.
Check 2027 Nevada Health Link prices for your area: compare quotes by ZIP code.
Frequently asked questions
Do Nevada residents use HealthCare.gov?
No. Nevada runs its own exchange, Nevada Health Link, and open enrollment there for 2027 coverage runs from November 1, 2026 to January 15, 2027.
What are Battle Born State Plans?
They’re Nevada’s public option: Marketplace plans sold through Nevada Health Link that the state requires to meet premium reduction targets. They first went on sale for 2026 under a federal waiver approved in January 2025.
How much are Nevada premiums going up in 2027?
Approved rates rise an average of 17.2% to 18.8% before subsidies, depending on how the average is calculated. By insurer, approved increases run from 3.1% to more than 25%.
How much does health insurance cost in Nevada for a 40-year-old?
The 2026 benchmark silver plan averaged about $497 a month before subsidies. With a $40,000 income, a tax credit would bring that person’s share down to about $287 a month.
Sources
This article is general information, not insurance or tax advice. Your Nevada premium depends on your county, age, income and plan. Last reviewed September 2026.