Health Insurance in Reno, Nevada

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

Reno, Nevada, is located in Rating Area 2, where 6 health insurance carriers offer marketplace plans in 2026.
Nevada Health Link is the state-based marketplace for Reno residents to find Affordable Care Act (ACA) plans and potential subsidies.
Nevada expanded Medicaid in 2014, covering adults with incomes up to 138% of the Federal Poverty Level.
While primarily HMO and EPO, limited PPO plan availability may exist for shoppers in Washoe County's Rating Area 2.
Reno's uninsured rate stands at 10.6%, according to U.S. Census Bureau ACS 2024 5-year estimates.

Reno, Nevada, residents seeking health insurance have several pathways to securing coverage, primarily through Nevada Health Link, the state's official marketplace. Here, individuals and families can compare Affordable Care Act (ACA) plans, apply for financial assistance like premium tax credits and cost-sharing reductions, and enroll in coverage. For those with lower incomes, Nevada Medicaid offers comprehensive health benefits, having expanded eligibility to cover adults up to 138% of the Federal Poverty Level. Understanding these options, including the local carriers and plan types available in Reno's Rating Area 2, is key to finding the right health plan for your needs.

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Understanding Health Insurance Options in Reno, Nevada

The health insurance marketplace for Reno residents is Nevada Health Link, a state-based exchange where you can find and enroll in plans that comply with the Affordable Care Act (ACA). These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, each offering different levels of cost-sharing. Bronze plans typically have lower monthly premiums but higher out-of-pocket costs when you use care, while Gold and Platinum plans have higher premiums but lower costs at the point of service.

Many Reno individuals and families qualify for financial assistance to make these plans more affordable. Advance Premium Tax Credits (APTCs) can reduce your monthly premium, and Cost-Sharing Reductions (CSRs) can lower your deductibles, copayments, and out-of-pocket maximums. Eligibility for these subsidies is based on household income relative to the Federal Poverty Level (FPL). APTCs are available to those earning between 100% and 400% FPL, while CSRs are available for those earning up to 250% FPL, specifically when enrolling in a Silver-tier plan.

Regarding plan types, Nevada's marketplace is primarily composed of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. However, unlike some states, limited PPO (Preferred Provider Organization) plan availability may exist in Washoe County's Rating Area 2. It is important to check specific plan details on Nevada Health Link to confirm the network type and provider access in your area.

Nevada Medicaid and CHIP in Reno

Nevada expanded its Medicaid program in 2014, making comprehensive health coverage available to many low-income adults in Reno and across the state. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Nevada Medicaid. This program provides essential health benefits with little to no out-of-pocket costs, covering doctor visits, hospital stays, prescription drugs, and more.

Beyond general adult eligibility, Nevada Medicaid also offers specific coverage for pregnant women with incomes up to 185% FPL. This includes prenatal care, labor and delivery services, and extended postpartum care for 12 months after birth. For uninsured children, Nevada Check Up, the state's Children's Health Insurance Program (CHIP), provides coverage for households with incomes up to 200% FPL. Reno residents can apply for these programs through the Nevada Division of Welfare and Supportive Services (DWSS) or conveniently online at access.nv.gov.

Health Insurance Carriers in Reno

Reno, located in Washoe County's Rating Area 2, is served by four major hospitals, including Renown Regional Medical Center and Saint Mary's Regional Medical Center. With a population of 273,212 and an uninsured rate of 10.6%, per U.S. Census Bureau ACS 2024 5-year estimates, residents have access to a competitive marketplace where 6 carriers offer plans. In 2026, 6 carriers offer marketplace plans in Rating Area 2, which covers Washoe County, including Reno. These carriers provide a range of plan options for residents:

Ambetter
Anthem Blue Cross and Blue Shield
CareSource
Health Plan of Nevada
Imperial Insurance Companies
Select Health

When selecting a plan, consider factors such as each carrier's provider network, prescription drug coverage, and customer service reputation. Always verify that your preferred doctors and medical facilities, such as Northern Nevada Medical Center or Renown South Meadows Medical Center, are in-network with the plan you choose.

Making Your Health Plan Decision in Reno

Choosing the right health insurance plan in Reno involves evaluating your specific healthcare needs, financial situation, and preferences. Here is a general guide to help you make an informed decision:

If your income is below 138% FPL: You likely qualify for Nevada Medicaid. This program offers comprehensive, low-cost coverage. Apply through the Nevada DWSS or online at access.nv.gov.
If your income is between 100% and 400% FPL: You are eligible for Advance Premium Tax Credits (APTCs) through Nevada Health Link, which can significantly lower your monthly premiums. If your income is also below 250% FPL, consider a Silver plan to maximize Cost-Sharing Reductions (CSRs), which reduce your out-of-pocket costs.
If your income is above 400% FPL: You can purchase plans through Nevada Health Link at full price. You may also explore off-marketplace plans directly from carriers, though these do not qualify for subsidies.
Consider your healthcare usage: If you anticipate frequent doctor visits or have chronic conditions, a Gold or Platinum plan with higher premiums but lower out-of-pocket costs might be more cost-effective. If you are generally healthy and prefer lower monthly payments, a Bronze plan might suit you, but be prepared for higher costs if unexpected medical needs arise.
Network preferences: Check if your preferred doctors and hospitals in Washoe County are part of the plan's network. HMO and EPO plans typically have more restrictive networks than PPOs, though limited PPO options are available in this rating area.

Frequently Asked Questions

Can I get PPO health plans in Reno, Nevada?

Yes, PPO (Preferred Provider Organization) plans have limited availability in Washoe County, which includes Reno. While the Nevada Health Link marketplace primarily offers HMO and EPO plans, some PPO options may be available depending on your specific ZIP code within Rating Area 2. It is always recommended to check the Nevada Health Link website or consult with a licensed agent to verify current plan availability.

What are the income limits for Nevada Medicaid in Reno?

Nevada expanded Medicaid in 2014, making it available to adults with household incomes up to 138% of the Federal Poverty Level (FPL). For pregnant women, the income limit is higher, at 185% FPL. Children in households up to 200% FPL may qualify for Nevada Check Up, the state's CHIP program. You can apply through the Nevada Division of Welfare and Supportive Services (DWSS) or online at access.nv.gov.

How many health insurance carriers offer plans in Reno?

In 2026, 6 health insurance carriers offer marketplace plans in Rating Area 2, which covers Washoe County, including Reno. These carriers include Ambetter, Anthem Blue Cross and Blue Shield, CareSource, Health Plan of Nevada, Imperial Insurance Companies, and Select Health.