Health insurance prices in Washoe County, NV (2026)
97 marketplace plans from 7 insurers. Cheapest plan $403/mo; typical Silver $669/mo. Official marketplace: Nevada Health Link (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 2.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
Compare options
Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $403–$629 (typical $543) · Silver $510–$802 (typical $669) · Gold $713–$1,035 (typical $754) · Catastrophic $439–$465 (typical $455)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Hometown Health Plan | 14 | $403 | $479 | $571 | $772 | SENSIBLE Bronze HMO IFP | |
| Imperial Health Plan | 5 | $457 | $457 | $576 | $718 | Imperial Standard Bronze | |
| CareSource | 17 | $492 | $498 | $646 | $734 | Low Premium Bronze 10600 $25 Generic Drugs | |
| Ambetter (Centene) | 21 | $525 | $546 | $670 | $760 | Everyday Bronze | |
| Anthem Blue Cross Blue Shield (NV)Elevance Health (Blue Cross Blue Shield company) | 15 | $546 | $570 | $704 | $1,035 | Anthem Bronze 10600 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives) | |
| Molina Healthcare | 2 | $727 Silver | no Bronze | $727 | $876 | Molina Silver Core Plus with Adult Vision | |
| Health Plan of Nevada (UnitedHealthcare)UnitedHealth Group | 23 | $517 | $562 | $762 | $926 | Battle Born State Plan MyHPN Bronze 1.2 |
All 97 plans in Washoe County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Hometown Health Plan | SENSIBLE Bronze HMO IFP | Bronze | HMO | $403 | $10,600 | $10,600 | $15,439 | |
| Hometown Health Plan | Renown Catastrophic HMO | Catastrophic | HMO | $439 | $10,600 | $10,600 | $15,869 | |
| Hometown Health Plan | Renown Bronze HMO | Bronze | HMO | $448 | $10,600 | $10,600 | $15,972 | |
| Health Plan of Nevada (UnitedHealthcare) | MyHPN Catastrophic Plan | Catastrophic | HMO | $455 | $10,600 | $10,600 | $16,063 | |
| Imperial Health Plan | Imperial Standard Bronze | Expanded Bronze | HMO | $457 | $7,500 | $10,000 | $15,480 | |
| Anthem Blue Cross Blue Shield (NV) | Anthem Catastrophic (+ Incentives) | Catastrophic | HMO | $465 | $10,600 | $10,600 | $16,186 | |
| CareSource | Low Premium Bronze 10600 $25 Generic Drugs | Expanded Bronze | HMO | $492 | $10,600 | $10,600 | $16,500 | |
| CareSource | Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness | Expanded Bronze | HMO | $497 | $10,600 | $10,600 | $16,562 | |
| CareSource | Core Bronze 7500 $25 Generic Drugs | Expanded Bronze | HMO | $498 | $7,500 | $10,000 | $15,980 | |
| CareSource | Core Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness | Expanded Bronze | HMO | $503 | $7,500 | $10,000 | $16,042 | |
| Hometown Health Plan | SENSIBLE Silver HSA HMO IFP | Silver | HMO | $510 | $3,450 | $6,900 | $13,017 | |
| Hometown Health Plan | Renown Bronze HMO HSA | Expanded Bronze | HMO | $510 | $5,000 | $8,500 | $14,623 | |
| Hometown Health Plan | SENSIBLE Silver HMO IFP | Silver | HMO | $514 | $5,975 | $5,975 | $12,147 | |
| Health Plan of Nevada (UnitedHealthcare) | Battle Born State Plan MyHPN Bronze 1.2 | Expanded Bronze | HMO | $517 | $10,600 | $10,600 | $16,808 | |
| Health Plan of Nevada (UnitedHealthcare) | Battle Born State Plan Anthem Bronze 7800 ($0 Virtual PCP+$0 Select Drugs+Incentives) | Expanded Bronze | HMO | $517 | $7,800 | $10,600 | $16,810 | |
| Hometown Health Plan | Renown Bronze HMO Plus | Expanded Bronze | HMO | $525 | $5,225 | $10,450 | $16,745 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $525 | $8,450 | $10,150 | $16,445 | |
| Health Plan of Nevada (UnitedHealthcare) | Virtual HPN | Expanded Bronze | HMO | $530 | $10,600 | $10,600 | $16,964 | |
| Ambetter (Centene) | Battle Born State Plan Ambetter PCP Referral Required Bronze | Expanded Bronze | HMO | $535 | $5,750 | $7,550 | $13,976 | |
| Health Plan of Nevada (UnitedHealthcare) | Battle Born State Plan Anthem Bronze 8450 ($0 Virtual PCP+$0 Select Drugs+Incentives) | Expanded Bronze | HMO | $541 | $8,450 | $9,800 | $16,290 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $546 | $8,450 | $10,150 | $16,699 | |
| Anthem Blue Cross Blue Shield (NV) | Anthem Bronze 10600 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $546 | $10,600 | $10,600 | $17,156 | |
| Anthem Blue Cross Blue Shield (NV) | Anthem Bronze 8200 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives) | Bronze | HMO | $549 | $8,200 | $10,600 | $17,182 | |
| Health Plan of Nevada (UnitedHealthcare) | MyHPN Bronze 3 | Expanded Bronze | HMO | $554 | $10,600 | $10,600 | $17,242 | |
| Hometown Health Plan | Renown Silver 70 HMO HSA | Silver | HMO | $566 | $3,450 | $6,900 | $13,691 | |
| Ambetter (Centene) | Choice Bronze HSA | Expanded Bronze | HMO | $568 | $7,250 | $7,250 | $14,067 | |
| Imperial Health Plan | Imperial Standard Silver | Silver | HMO | $569 | $6,000 | $8,900 | $15,724 | |
| Anthem Blue Cross Blue Shield (NV) | Anthem Bronze 5500 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $569 | $5,500 | $10,600 | $17,428 | |
| Health Plan of Nevada (UnitedHealthcare) | MyHPN Bronze 2 - Medicaid Transition Plan | Expanded Bronze | HMO | $570 | $10,600 | $10,600 | $17,440 | |
| Hometown Health Plan | Renown Silver 70 HMO | Silver | HMO | $571 | $5,975 | $5,975 | $12,827 | |
| Health Plan of Nevada (UnitedHealthcare) | MyHPN Plus Bronze 4 | Expanded Bronze | HMO | $571 | $10,600 | $10,600 | $17,454 | |
| Anthem Blue Cross Blue Shield (NV) | Anthem Bronze 6000 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $572 | $6,000 | $10,600 | $17,461 | |
| Health Plan of Nevada (UnitedHealthcare) | MyHPN Plus Bronze 6 | Expanded Bronze | HMO | $577 | $8,100 | $9,850 | $16,777 | |
| Imperial Health Plan | Imperial Preferred Silver | Silver | HMO | $582 | $7,500 | $9,500 | $16,490 | |
| Anthem Blue Cross Blue Shield (NV) | Anthem Bronze 7000 Adult Dental/Vision ($0 Preferred Virtual PCP $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $589 | $7,000 | $10,600 | $17,666 | |
| Ambetter (Centene) | Choice Bronze HSA + Vision + Adult Dental | Expanded Bronze | HMO | $591 | $7,250 | $7,250 | $14,342 | |
| Hometown Health Plan | Renown Silver HMO $10PCP | Silver | HMO | $593 | $4,500 | $9,000 | $16,116 | |
| Health Plan of Nevada (UnitedHealthcare) | Battle Born State Plan Anthem Silver 7200 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $594 | $7,200 | $8,485 | $15,608 | |
| Ambetter (Centene) | Battle Born State Plan Ambetter PCP Referral Required Silver | Silver | HMO | $594 | $7,600 | $8,400 | $15,525 | |
| Health Plan of Nevada (UnitedHealthcare) | Battle Born State Plan MyHPN Silver 1.2 | Silver | HMO | $594 | $5,600 | $8,100 | $15,225 | |
| Anthem Blue Cross Blue Shield (NV) | Anthem Bronze 8050 for HSA (+ Incentives) | Expanded Bronze | HMO | $597 | $8,050 | $8,050 | $15,213 | |
| Health Plan of Nevada (UnitedHealthcare) | MyHPN Plus Bronze 5 | Expanded Bronze | HMO | $604 | $7,800 | $9,550 | $16,800 | |
| Hometown Health Plan | IFP Renown Silver HMO $20PCP | Silver | HMO | $607 | $4,450 | $8,900 | $16,180 | |
| Hometown Health Plan | Renown Silver HMO $5PCP | Silver | HMO | $607 | $4,525 | $9,050 | $16,340 | |
| CareSource | Low Premium Silver Medicaid Transition Plan | Silver | HMO | $611 | $6,200 | $9,800 | $17,138 | |
| CareSource | Low Premium Silver Medicaid Transition Plan + Adult Vision & Fitness | Silver | HMO | $617 | $6,200 | $9,800 | $17,199 | |
| Ambetter (Centene) | Clarity Silver | Silver | HMO | $622 | $8,000 | $8,400 | $15,864 | |
| Health Plan of Nevada (UnitedHealthcare) | MyHPN Copay Focus Bronze 1 | Expanded Bronze | HMO | $629 | $0 | $10,600 | $18,150 | |
| CareSource | Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services | Silver | HMO | $642 | $5,000 | $9,500 | $17,206 | |
| CareSource | Diabetes Silver 5000 $0 Chronic Care Drugs & Services | Silver | HMO | $646 | $5,000 | $9,500 | $17,256 | |
| Ambetter (Centene) | Clarity Silver + Vision + Adult Dental | Silver | HMO | $647 | $8,000 | $8,400 | $16,164 | |
| CareSource | Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Silver | HMO | $647 | $5,000 | $9,500 | $17,268 | |
| CareSource | Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Silver | HMO | $651 | $5,000 | $9,500 | $17,318 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $669 | $6,300 | $8,400 | $16,432 | |
| Ambetter (Centene) | Complete Silver | Silver | HMO | $670 | $5,950 | $8,850 | $16,895 | |
| Ambetter (Centene) | Principal Silver | Silver | HMO | $672 | $8,200 | $8,200 | $16,268 | |
| Anthem Blue Cross Blue Shield (NV) | Anthem Silver 5500 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives) | Silver | HMO | $687 | $5,500 | $9,700 | $17,948 | |
| Anthem Blue Cross Blue Shield (NV) | Anthem Silver 6800 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives) | Silver | HMO | $694 | $6,800 | $8,900 | $17,232 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $696 | $6,300 | $8,400 | $16,755 | |
| Ambetter (Centene) | Complete Silver + Vision + Adult Dental | Silver | HMO | $697 | $5,950 | $8,850 | $17,219 | |
| Ambetter (Centene) | Principal Silver + Vision + Adult Dental | Silver | HMO | $699 | $8,200 | $8,200 | $16,593 | |
| Health Plan of Nevada (UnitedHealthcare) | MyHPN Silver 11 | Silver | HMO | $700 | $6,500 | $8,900 | $17,302 | |
| Anthem Blue Cross Blue Shield (NV) | Anthem Silver 6500 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives) | Silver | HMO | $702 | $6,500 | $8,000 | $16,424 | |
| Anthem Blue Cross Blue Shield (NV) | Anthem Silver 4200 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives) | Silver | HMO | $704 | $4,200 | $8,500 | $16,950 | |
| Anthem Blue Cross Blue Shield (NV) | Anthem Silver 3500 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives) | Silver | HMO | $710 | $3,500 | $10,600 | $19,119 | |
| Imperial Health Plan | Imperial Standard Gold | Gold | HMO | $713 | $2,000 | $8,200 | $16,758 | |
| CareSource | Low Premium Gold 1500 $20 Generic Drugs | Gold | HMO | $722 | $1,500 | $8,400 | $17,059 | |
| Imperial Health Plan | Imperial Preferred Gold | Gold | HMO | $723 | $1,200 | $8,000 | $16,673 | |
| CareSource | HDHP Preventive Silver 5500 $0 Chronic Care Drugs | Silver | HMO | $724 | $5,500 | $5,500 | $14,190 | |
| CareSource | Low Premium Gold 1500 $20 Generic Drugs + Adult Vision & Fitness | Gold | HMO | $727 | $1,500 | $8,400 | $17,120 | |
| Molina Healthcare | Molina Silver Core Plus with Adult Vision | Silver | HMO | $727 | $6,000 | $8,990 | $17,713 | |
| Ambetter (Centene) | Battle Born State Plan Ambetter PCP Referral Required Gold | Gold | HMO | $730 | $1,350 | $6,100 | $14,855 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $730 | $800 | $7,250 | $16,014 | |
| CareSource | Healthy Heart Gold Medicaid Transition Plan $0 Chronic Care Services | Gold | HMO | $731 | $3,000 | $8,500 | $17,276 | |
| Hometown Health Plan | SENSIBLE Gold HMO IFP | Gold | HMO | $732 | $2,300 | $4,600 | $13,378 | |
| CareSource | Healthy Heart Gold Medicaid Transition Plan $0 Chronic Care Services + Adult Vision & Fitness | Gold | HMO | $736 | $3,000 | $8,500 | $17,338 | |
| CareSource | Diabetes Gold 3000 $0 Chronic Care Drugs & Services | Gold | HMO | $739 | $3,000 | $8,500 | $17,370 | |
| Health Plan of Nevada (UnitedHealthcare) | MyHPN Silver 10 | Silver | HMO | $741 | $4,000 | $7,300 | $16,191 | |
| CareSource | Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Gold | HMO | $744 | $3,000 | $8,500 | $17,432 | |
| Anthem Blue Cross Blue Shield (NV) | Anthem Silver 3300 Adult Dental/Vision ($0 Preferred Virtual PCP $0 Select Drugs + Incentives) | Silver | HMO | $745 | $3,300 | $8,300 | $17,245 | |
| Anthem Blue Cross Blue Shield (NV) | Anthem Silver 3600 for HSA (+ Incentives) | Silver | HMO | $747 | $3,600 | $6,000 | $14,969 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $754 | $1,450 | $7,500 | $16,551 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $760 | $800 | $7,250 | $16,367 | |
| Health Plan of Nevada (UnitedHealthcare) | MyHPN Silver 1.1 | Silver | HMO | $783 | $5,400 | $9,700 | $19,100 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $785 | $1,450 | $7,500 | $16,916 | |
| Health Plan of Nevada (UnitedHealthcare) | MyHPN Silver 12 | Silver | HMO | $786 | $7,000 | $8,950 | $18,386 | |
| Health Plan of Nevada (UnitedHealthcare) | MyHPN Silver 5/Medicaid Transition Plan | Silver | HMO | $789 | $5,200 | $9,750 | $19,219 | |
| Health Plan of Nevada (UnitedHealthcare) | MyHPN Copay Focus Silver 1 | Silver | HMO | $802 | $0 | $10,600 | $20,228 | |
| Hometown Health Plan | Renown Gold HMO | Gold | HMO | $812 | $2,300 | $4,600 | $14,349 | |
| Ambetter (Centene) | Elite Gold | Gold | HMO | $815 | $0 | $6,500 | $16,283 | |
| Health Plan of Nevada (UnitedHealthcare) | Battle Born State Plan MyHPN Gold 1.2 | Gold | HMO | $833 | $1,150 | $8,500 | $18,497 | |
| Ambetter (Centene) | Elite Gold + Vision + Adult Dental | Gold | HMO | $848 | $0 | $6,500 | $16,677 | |
| Molina Healthcare | Molina Gold Core Plus with Adult Vision | Gold | HMO | $876 | $1,640 | $8,100 | $18,618 | |
| Health Plan of Nevada (UnitedHealthcare) | MyHPN Gold 6 | Gold | HMO | $924 | $1,800 | $7,900 | $18,984 | |
| Health Plan of Nevada (UnitedHealthcare) | Battle Born State Plan Anthem Gold 750 ($0 Virtual PCP+$0 Select Drugs+Incentives) | Gold | HMO | $928 | $750 | $7,000 | $18,134 | |
| Health Plan of Nevada (UnitedHealthcare) | Battle Born State Plan Anthem Gold 1450 ($0 Virtual PCP+$0 Select Drugs+Incentives) | Gold | HMO | $962 | $1,450 | $7,500 | $19,047 | |
| Anthem Blue Cross Blue Shield (NV) | Anthem Gold 1100 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives) | Gold | HMO | $1,035 | $1,100 | $6,800 | $19,223 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $403 | $543 | $629 | 30 | $8,075 | $10,600 | $16,722 |
| Silver | $510 | $669 | $802 | 41 | $5,950 | $8,850 | $16,593 |
| Gold | $713 | $754 | $1,035 | 23 | $1,450 | $7,500 | $17,059 |
| CatastrophicUnder 30 or hardship exemption only | $439 | $455 | $465 | 3 | $10,600 | $10,600 | $16,063 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.