Select Health Health Insurance Plans in Elko, Nevada
- Select Health is one of 6 carriers offering marketplace plans in Elko's Rating Area 3 for the 2026 plan year.
- Elko residents can find plans from Select Health and other carriers on Nevada Health Link, the state's official marketplace.
- Nevada expanded Medicaid in 2014, making adults with incomes up to 138% FPL eligible for Nevada Medicaid.
- The uninsured rate in Elko is 10.8%, per U.S. Census Bureau ACS 2024 5-year estimates, slightly higher than Elko County's 9.0%.
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Finding Select Health Plans on Nevada Health Link in Elko
Select Health offers a range of health insurance plans available to Elko residents through Nevada Health Link. As a state-based marketplace, Nevada Health Link is the only place where eligible individuals and families can apply for subsidies (Premium Tax Credits and Cost-Sharing Reductions) to help lower their monthly premiums and out-of-pocket costs. When searching for plans, you will typically find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) options. While PPO plans have limited availability in Nevada's marketplace, it is always worth checking current offerings for your specific ZIP code.Understanding Plan Tiers and Costs
ACA plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect how you and your plan share the costs of care.| Metal Tier | You Pay (Deductibles, Copays, Coinsurance) | Plan Pays | Best For |
|---|---|---|---|
| Bronze | ~40% | ~60% | Healthy individuals who want low premiums and protection against catastrophic costs. High deductibles. |
| Silver | ~30% | ~70% | Individuals and families who qualify for Cost-Sharing Reductions (CSRs) or use medical services regularly. Moderate premiums and deductibles. |
| Gold | ~20% | ~80% | Those who expect to use a lot of medical care and prefer lower out-of-pocket costs when they do. Higher premiums. |
The specific costs for Select Health plans, including premiums, deductibles, and out-of-pocket maximums, will vary based on the plan tier, your age, household size, and income. Many Elko residents qualify for significant financial assistance based on their income.
Health Insurance Carriers in Elko
In 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 means residents of Elko have a strong selection of providers, including Select Health. The confirmed carriers for Rating Area 3 are:- Ambetter
- Anthem Blue Cross and Blue Shield
- CareSource
- Health Plan of Nevada
- Imperial Insurance Companies
- Select Health
Nevada Medicaid and CHIP Programs in Elko
Nevada expanded its Medicaid program in 2014, which means more Elko residents are eligible for comprehensive, low-cost health coverage. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Nevada Medicaid. This program provides extensive benefits, often with no monthly premiums or deductibles. For pregnant women, Nevada Medicaid covers those with incomes up to 185% FPL, including prenatal care, labor and delivery, and 12 months of postpartum care. Uninsured children in households up to 200% FPL may be eligible for Nevada Check Up, the state's Children's Health Insurance Program (CHIP). Applications for these programs can be submitted through Nevada DWSS or online at access.nv.gov. Elko, Nevada, with a population of 20,696 and an uninsured rate of 10.8% per U.S. Census Bureau ACS 2024 5-year estimates, benefits significantly from these expanded programs. The median household income in Elko is $79,036, while Elko County, with a population of 54,047, has a median income of $86,487. These demographics highlight the diverse economic landscape and the need for accessible health coverage options for many residents.Making Your Health Insurance Decision in Elko
Choosing the right health insurance plan requires careful consideration of your specific circumstances.- If your income is below 138% FPL: You likely qualify for Nevada Medicaid, offering comprehensive coverage at little to no cost.
- If your income is between 100% and 400% FPL: You are eligible for Premium Tax Credits to lower your monthly premiums on Nevada Health Link. If your income is below 250% FPL, you may also qualify for Cost-Sharing Reductions on Silver plans, which reduce your deductibles, copays, and out-of-pocket maximums.
- If your income is above 400% FPL: You can still purchase a plan through Nevada Health Link at full price or explore off-exchange options directly from carriers.
Frequently Asked Questions
Is Select Health available on Nevada Health Link in Elko?
Yes, Select Health is one of 6 carriers confirmed to offer marketplace plans in Elko's Rating Area 3 for the 2026 plan year through Nevada Health Link.
What types of health plans does Select Health offer in Elko?
In Elko and across Nevada, carriers like Select Health primarily offer Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Limited PPO availability may exist, but HMO and EPO are the most common options on the marketplace.
How do I know if I qualify for financial assistance for a Select Health plan?
Eligibility for subsidies (Premium Tax Credits and Cost-Sharing Reductions) is based on your household income relative to the Federal Poverty Level (FPL). You can determine your eligibility by applying through Nevada Health Link or consulting with a licensed agent.
Can I get Medicaid in Elko, Nevada?
Yes, Nevada expanded Medicaid in 2014, meaning adults with household incomes up to 138% of the Federal Poverty Level may qualify for Nevada Medicaid. Pregnant women may qualify up to 185% FPL, and children through Nevada Check Up (CHIP) up to 200% FPL.