Ambetter Health Insurance Plans in Ely, Nevada

Updated July 2026 · NevadaPlanFinder.com — Licensed Health Insurance Producer (NPN #21249133)

Navigating health insurance options in Ely, Nevada, involves understanding what plans are available through the state's marketplace, Nevada Health Link. Ambetter is a prominent carrier offering various health plans in Ely, specifically within Rating Area 3, which covers White Pine County and 13 other rural counties. These plans are designed to meet the requirements of the Affordable Care Act (ACA), providing essential health benefits and financial assistance for eligible individuals and families. For 2026, Ambetter is one of six carriers providing coverage in this region, giving residents multiple choices to find a plan that fits their needs and budget.

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What Ambetter Plans Are Available in Ely?

In Ely, Ambetter typically offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through the Nevada Health Link marketplace. HMO plans require you to choose a primary care provider (PCP) within the plan's network and get referrals for specialist visits. EPO plans offer more flexibility than HMOs, allowing you to see specialists without a referral, but generally still require you to stay within the plan's network for covered services. Nevada's marketplace is primarily HMO and EPO-focused, though limited PPO availability may exist in other rating areas. For Ely residents in Rating Area 3, Ambetter plans will generally adhere to these HMO and EPO structures, emphasizing coordinated care through a network of local providers. Understanding the difference between these plan types is crucial for choosing the right coverage, especially considering that White Pine County has no acute care hospitals, meaning residents often travel to neighboring counties for hospital services.

How Much Do Ambetter Plans Cost in Ely?

The cost of an Ambetter health insurance plan in Ely depends on several factors, including your age, household income, plan metal tier (Bronze, Silver, Gold), and chosen deductible. While specific rates for 2026 are subject to change, here's a general overview of how costs are structured and how subsidies can impact your out-of-pocket expenses:
Metal Tier Coverage Level Typical Out-of-Pocket Best For
Bronze Covers 60% of costs Highest deductibles & out-ofpocket maximums Healthy individuals who want lowest monthly premiums and can cover high costs in an emergency.
Silver Covers 70% of costs (or more with CSRs) Moderate deductibles & out-ofpocket maximums Individuals/families who use medical services regularly, or those qualifying for Cost-Sharing Reductions (CSRs).
Gold Covers 80% of costs Lowest deductibles & out-ofpocket maximums Individuals/families who anticipate frequent medical care and prefer lower costs at the point of service.
Many Ely residents may qualify for financial assistance through Nevada Health Link. Premium tax credits, which directly reduce your monthly premium, are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). Additionally, those with incomes up to 250% FPL may qualify for Cost-Sharing Reductions (CSRs) on Silver plans, which lower deductibles, copayments, and out-of-pocket maximums, making care more affordable when you need it.

Health Insurance Carriers in Ely

For 2026, 6 carriers offer marketplace plans in Rating Area 3, which covers Churchill, Douglas, Elko, Esmeralda, Eureka, Humboldt, Lander, Lincoln, Lyon, Mineral, Nye, Pershing, Storey, White Pine counties. This includes Ely residents. The carriers available are: White Pine County, home to Ely, has a population of 8,735 residents and an uninsured rate of 4.7% per U.S. Census Bureau ACS 2024 5-year estimates. The county has no acute care hospitals within its boundaries, meaning residents needing acute medical care often travel to facilities in neighboring counties. This makes network considerations a key factor when selecting a health plan in Ely. It's important to review each carrier's provider network to ensure your preferred doctors and any necessary specialty services are covered.

Understanding Your Eligibility for Financial Assistance in Ely

Eligibility for financial assistance and specific health programs in Ely, Nevada, largely depends on your household income relative to the Federal Poverty Level (FPL). Nevada has expanded Medicaid, meaning more residents can access low-cost or free healthcare.
Household Income (as % FPL) Potential Program / Assistance Key Benefit
Up to 138% FPL Nevada Medicaid Comprehensive coverage, no premiums or deductibles for eligible adults.
100% - 400% FPL Premium Tax Credits (Subsidies) Reduces monthly health insurance premiums for marketplace plans.
Up to 250% FPL Cost-Sharing Reductions (CSRs) Lowers deductibles, copays, and out-of-pocket maximums on Silver plans.
Pregnant Women (up to 185% FPL) Nevada Medicaid for Pregnant Women Covers prenatal, delivery, and 12-month postpartum care.
Children (up to 200% FPL) Nevada Check Up (CHIP) Low-cost health coverage for uninsured children.
For example, an individual in Ely with a median income of $77,500 (per U.S. Census Bureau ACS 2024 5-year estimates) would likely fall above the Medicaid threshold but well within the range for significant premium tax credits, making marketplace plans like those offered by Ambetter more affordable. Eligibility for these programs is determined when you apply through Nevada Health Link. If your income is below 138% FPL, you may qualify for Nevada Medicaid, which provides comprehensive coverage with no monthly premium. You can apply for Nevada Medicaid through Nevada DWSS or online at access.nv.gov.

Frequently Asked Questions

What types of Ambetter plans are available in Ely, Nevada?
In Ely, Ambetter typically offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through Nevada Health Link. These plans require you to use a network of doctors and hospitals, with EPOs offering more flexibility for out-of-network care if authorized.
Can I get a health insurance subsidy for Ambetter plans in Ely?
Yes, if your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to lower your monthly costs. Individuals or families with incomes below 138% FPL may qualify for Nevada Medicaid instead of marketplace subsidies. Eligibility is determined when you apply through Nevada Health Link.
Is Ambetter the only carrier offering plans in Ely, Nevada?
No, Ambetter is one of six carriers offering marketplace plans in Ely's Rating Area 3 for the 2026 plan year. Other carriers include Anthem Blue Cross and Blue Shield, CareSource, Health Plan of Nevada, Imperial Insurance Companies, and Select Health. You can compare all available plans on Nevada Health Link.

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