Select Health Insurance Plans in Boulder City, Nevada
- Select Health is one of 6 carriers offering marketplace health insurance plans in Boulder City, Nevada, for the 2026 plan year.
- Boulder City is part of Nevada Rating Area 1, which also includes Carson and Clark counties.
- Nevada Health Link is the state-based marketplace where Boulder City residents can compare Select Health plans and apply for subsidies.
- Nevada expanded Medicaid in 2014, covering adults with incomes up to 138% of the Federal Poverty Level.
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What Select Health Plans Are Available in Boulder City?
In Boulder City, Select Health participates in the Nevada Health Link marketplace, offering a range of health insurance plans for 2026. The marketplace primarily features Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. While PPO availability is generally limited in Nevada's marketplace, it may exist in Clark County, where Boulder City is located. These plans are categorized by metal tiers—Bronze, Silver, Gold, and Platinum—each offering different levels of cost-sharing and monthly premiums. Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums, making them suitable for those who anticipate minimal healthcare use or want protection against catastrophic costs. Silver plans offer moderate premiums and deductibles. They are particularly valuable for individuals and families who qualify for cost-sharing reductions, which can significantly lower deductibles, copayments, and out-of-pocket maximums. Gold plans feature higher monthly premiums but lower deductibles and out-of-pocket costs, ideal for those who expect to use medical services more frequently. Platinum plans have the highest premiums but the lowest out-of-pocket costs, covering a substantial portion of medical expenses from the start. Selecting the right plan involves balancing monthly premiums with potential out-of-pocket expenses and considering your anticipated healthcare needs.Understanding Subsidies and Financial Assistance in Boulder City
Financial assistance is crucial for making health insurance affordable for many Boulder City residents. Through Nevada Health Link, eligible individuals and families can receive premium tax credits and cost-sharing reductions. Premium Tax Credits (Subsidies): These credits reduce your monthly premium payment. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In Nevada, individuals and families with incomes between 100% and 400% FPL typically qualify. For example, a single person with an income of $30,000 (well within the 100-400% FPL range) would likely qualify for significant premium assistance. Cost-Sharing Reductions (CSRs): These are extra savings that lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are available only with Silver plans and are for those with incomes up to 250% FPL. If you qualify for CSRs, choosing a Silver plan can provide much better value than a Bronze or Gold plan, effectively making it a "super" Silver plan. For Boulder City's population, with a median income of $74,757 per U.S. Census Bureau ACS 2024 5-year estimates, many households may find themselves eligible for these subsidies, making Select Health plans more accessible.Nevada Medicaid for Boulder City Residents
Nevada expanded its Medicaid program in 2014, known as Nevada Medicaid, which provides comprehensive health coverage for eligible low-income adults, children, and pregnant women. Unlike states that did not expand Medicaid, Nevada does not have a "coverage gap." Adults: Adults in Boulder City with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Nevada Medicaid. For a single individual, this threshold is approximately $20,120 annually in 2024. Pregnant Women: Nevada Medicaid covers pregnant women with incomes up to 185% FPL, including prenatal care, labor and delivery, and 12 months of postpartum care. Children (Nevada Check Up - CHIP): The state's Children's Health Insurance Program (CHIP), called Nevada Check Up, covers uninsured children in households with incomes up to 200% FPL. Boulder City residents who meet these income requirements can apply for Nevada Medicaid through the Nevada Department of Welfare and Supportive Services (DWSS) or online at access.nv.gov.Health Insurance Carriers in Boulder City
Boulder City is located in Nevada Rating Area 1, which covers Carson and Clark counties. In 2026, 6 carriers offer marketplace plans in Rating Area 1 through Nevada Health Link:- Ambetter
- Anthem Blue Cross and Blue Shield
- CareSource
- Health Plan of Nevada
- Imperial Insurance Companies
- Select Health
Local Healthcare Access in Boulder City and Clark County
While Boulder City itself may not have a major acute care hospital, residents have access to a robust network of healthcare providers and facilities throughout Clark County. Clark County, home to 2,329,548 residents, features 17 acute care hospitals, including major systems like Sunrise Hospital and Medical Center in Las Vegas and Saint Rose Dominican Hospitals with multiple campuses in Henderson and Las Vegas. These facilities offer a full spectrum of medical services, from emergency care to specialized treatments. When selecting a Select Health plan, it is important to verify that your preferred doctors and any necessary specialists are within the plan's network. For HMO and EPO plans, staying within network is typically required for coverage, while PPO plans may offer out-of-network benefits at a higher cost.Making Your Health Insurance Decision in Boulder City
Choosing the right health insurance plan in Boulder City requires evaluating your specific situation and understanding the available options.| Your Situation | Recommended Action |
|---|---|
| Low Income (below 138% FPL) | Apply for Nevada Medicaid immediately. This provides comprehensive, low-cost coverage. |
| Moderate Income (100%-400% FPL) | Explore plans on Nevada Health Link. You likely qualify for premium tax credits. If your income is below 250% FPL, strongly consider a Silver plan for cost-sharing reductions. Select Health offers plans at various metal tiers. |
| Higher Income (above 400% FPL) | You can still purchase a Select Health plan through Nevada Health Link or directly from the carrier, but you won't qualify for federal subsidies. Focus on plan benefits, network, and your expected healthcare needs. |
| Losing Coverage Soon | A loss of qualifying health coverage is a Special Enrollment Period trigger. You generally have 60 days before or after the event to enroll in a new plan, such as one from Select Health. |
Frequently Asked Questions
Can I get Select Health insurance through Nevada Health Link?
Yes, Select Health is one of 6 carriers offering plans on the Nevada Health Link marketplace for 2026 in Rating Area 1, which includes Boulder City. You can compare their plans and apply for financial assistance through the state exchange.
What types of plans does Select Health offer in Boulder City?
In Boulder City, Select Health, along with other carriers on the Nevada Health Link marketplace, primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Limited PPO availability may also exist in Clark County, where Boulder City is located.
What income qualifies for subsidies on a Select Health plan?
Households in Boulder City with incomes between 100% and 400% of the Federal Poverty Level (FPL) typically qualify for premium tax credits to lower the cost of a Select Health plan on Nevada Health Link. For a single person, this range is approximately $14,580 to $58,320 annually in 2024 (FPLs are updated annually).
Is Medicaid available in Boulder City?
Yes, Nevada expanded Medicaid in 2014. Adults in Boulder City with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Nevada Medicaid. Pregnant women and children also have higher income thresholds for eligibility.