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

Select Health Insurance Plans in Ely, Nevada

Select Health is one of 6 confirmed carriers offering marketplace plans in Ely, Nevada's Rating Area 3 for 2026.
Ely residents may qualify for Nevada Medicaid if their income is up to 138% of the Federal Poverty Level (FPL).
The uninsured rate in Ely is 4.6%, per U.S. Census Bureau ACS 2024 5-year estimates, lower than many areas.
Financial assistance, including premium tax credits and cost-sharing reductions, is available through Nevada Health Link.

Navigating health insurance options in Ely, Nevada, involves understanding what plans are available through the state's marketplace, Nevada Health Link. For 2026, Select Health is among the carriers offering coverage to residents in Ely and the surrounding White Pine County. These plans provide essential health benefits, with financial assistance available to make coverage more affordable for eligible individuals and families. Whether you're looking for an individual plan, family coverage, or exploring options after a life change, knowing your local choices is the first step.

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What Select Health Plans Are Available in Ely?

Select Health offers various health insurance plans in Ely, Nevada, through the Nevada Health Link marketplace. As part of Rating Area 3, which covers Churchill, Douglas, Elko, Esmeralda, Eureka, Humboldt, Lander, Lincoln, Lyon, Mineral, Nye, Pershing, Storey, White Pine counties, residents have access to plans from multiple carriers, including Select Health. Generally, the Nevada marketplace primarily features Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. While PPO availability is limited to select rating areas in Nevada, it is not categorically excluded statewide. Select Health will provide plan options within these structures, tailored to meet different healthcare needs and budgets. These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket costs, making them suitable for those who use healthcare services infrequently. Silver plans offer a balance of premiums and out-of-pocket costs, and critically, they are the only tier eligible for cost-sharing reductions (CSRs) for those who qualify. Gold and Platinum plans feature higher premiums but lower deductibles and out-of-pocket expenses, covering a larger portion of medical costs.

How Does Financial Assistance Work in Ely?

Many Ely residents qualify for financial assistance to help pay for their health insurance premiums and out-of-pocket costs. This assistance is available exclusively through Nevada Health Link. There are two main types of subsidies:

Premium Tax Credits (PTCs): These credits reduce your monthly premium payment. Eligibility is based on your household income and family size, with subsidies available to individuals and families earning between 100% and 400% of the Federal Poverty Level (FPL).
Cost-Sharing Reductions (CSRs): These subsidies lower your out-of-pocket expenses, such as deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are typically for individuals and families earning up to 250% of the FPL.

For example, an individual in Ely with an annual income of $35,000 (around 250% FPL) would likely qualify for significant premium tax credits and cost-sharing reductions on a Silver plan, making comprehensive coverage much more affordable. White Pine County, where Ely is located, has a median income of $72,865 per U.S. Census Bureau ACS 2024 5-year estimates, indicating that many households will find themselves eligible for some form of financial aid.

Health Insurance Carriers in Ely

Residents of Ely, Nevada, and the broader Rating Area 3 have a choice of several health insurance carriers offering plans through Nevada Health Link for the 2026 plan year. In 2026, 6 carriers offer marketplace plans in Rating Area 3. These include:

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

When choosing a plan, it's important to consider not just the carrier, but also the specific plan's network of doctors, specialists, and hospitals, as well as its cost-sharing structure. Ely, with a population of 3,929 per U.S. Census Bureau ACS 2024 5-year estimates, is situated in White Pine County, which has no acute care hospitals within its boundaries. This means residents often travel to neighboring counties for acute care needs, making network coverage an especially important factor when selecting a plan.

Nevada Medicaid and CHIP for Ely Residents

Nevada expanded its Medicaid program in 2014, known as Nevada Medicaid, making health coverage accessible to more residents. Adults in Ely with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Medicaid coverage. This expansion means that there is no "coverage gap" for low-income adults in Nevada, unlike in non-expansion states. Special provisions also exist for pregnant women and children:

Pregnant Women Medicaid: Nevada Medicaid covers pregnant women with income up to 185% FPL. This includes comprehensive prenatal care, labor and delivery services, and 60 days of postpartum care. Nevada has also adopted the optional 12-month extended postpartum coverage under the American Rescue Plan (ARP). Applications can be submitted through Nevada DWSS or online at access.nv.gov.
Children's Health Insurance Program (CHIP): Uninsured children in households with incomes up to 200% FPL may qualify for Nevada Check Up, the state's CHIP program.

With Ely's poverty rate at 7.6% per U.S. Census Bureau ACS 2024 5-year estimates, these programs are vital resources for many families in the area, ensuring access to essential healthcare services.

Making the Right Choice for Your Health Coverage in Ely

Choosing the right health insurance plan in Ely depends on your individual circumstances, healthcare needs, and financial situation. Here’s a guide to help you decide:

If your income is below 138% FPL: You likely qualify for Nevada Medicaid. This offers comprehensive coverage with little to no cost. Apply directly through Nevada DWSS or access.nv.gov.
If your income is between 100% and 400% FPL: You are eligible for premium tax credits to lower your monthly premiums on plans purchased through Nevada Health Link. Consider a Silver plan, especially if your income is below 250% FPL, as you may also qualify for cost-sharing reductions that significantly lower your out-of-pocket costs.
If your income is above 400% FPL: You can still purchase plans through Nevada Health Link at full price. Evaluate Bronze, Silver, and Gold plans based on your anticipated healthcare usage. Bronze plans are good for catastrophic coverage, while Gold plans offer lower out-of-pocket costs for frequent users.

Ely, Nevada, with a population of 3,929 and a median age of 38.7 years per U.S. Census Bureau ACS 2024 5-year estimates, has an uninsured rate of 4.6%. For those without coverage or looking for better options, understanding these pathways is crucial. A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health and other carriers, understand network specifics, and navigate the application process at no cost to you.

Frequently Asked Questions

Can I get Select Health insurance through Nevada Health Link in Ely?

Yes, Select Health is one of 6 carriers offering plans through Nevada Health Link in Rating Area 3, which includes Ely and White Pine County, for the 2026 plan year. You can enroll during the annual Open Enrollment Period or if you qualify for a Special Enrollment Period.

What types of plans does Select Health offer in Ely?

In Nevada's Rating Area 3, which includes Ely, health insurance options primarily consist of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Select Health, like other carriers, will offer plans within these structures, with limited PPO availability across the state. Check specific plan details on Nevada Health Link.

What is the uninsured rate in Ely, Nevada?

According to U.S. Census Bureau ACS 2024 5-year estimates, Ely has an uninsured rate of 4.6%, which is lower than the national average. White Pine County, where Ely is located, has a similar uninsured rate of 4.7%.

When can I enroll in a Select Health plan in Ely?

You can enroll during the annual Open Enrollment Period, which typically runs from November 1 to January 15 each year. If you experience a qualifying life event, such as losing other coverage, getting married, or having a baby, you may be eligible for a Special Enrollment Period outside of Open Enrollment.

Where can I find doctors and hospitals covered by Select Health in Ely?

Ely is in White Pine County, which does not have acute care hospitals. Residents typically travel to neighboring counties for acute care. When choosing a Select Health plan, carefully review the provider directory on Nevada Health Link or directly from Select Health to ensure your preferred doctors and any necessary out-of-county facilities are included in the plan's network.