What types of health insurance plans does Select Health offer in Henderson?

In Nevada, Select Health typically offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through Nevada Health Link. Limited PPO options may also be available in Clark County, where Henderson is located. These plans provide comprehensive coverage for medical services, prescriptions, and preventative care.

Can I get a subsidy to help pay for a Select Health plan in Henderson?

Yes, individuals and families in Henderson with incomes between 100% and 400% of the Federal Poverty Level may qualify for Advanced Premium Tax Credits (APTCs) to lower monthly premiums for plans purchased through Nevada Health Link. Cost-Sharing Reductions (CSRs) are also available for those with incomes up to 250% FPL who choose Silver-tier plans, reducing out-of-pocket costs.

How do I enroll in a Select Health plan in Henderson?

Enrollment for Select Health plans, and all other marketplace plans in Henderson, takes place through Nevada Health Link. The primary enrollment period is during Open Enrollment, typically from November 1st to January 15th. Special Enrollment Periods may be available outside of this window for qualifying life events such as marriage, birth of a child, or loss of other coverage.

Select Health Insurance Plans in Henderson, Nevada

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

Select Health is one of 6 confirmed carriers offering marketplace plans in Henderson, Nevada's Rating Area 1 for 2026.
Residents of Henderson may qualify for subsidies (Advanced Premium Tax Credits) to reduce monthly premiums through Nevada Health Link.
Nevada Medicaid is available for individuals and families in Henderson with incomes up to 138% of the Federal Poverty Level.
Henderson, with a population of 332,141, has an uninsured rate of 6.7%, lower than the Clark County average of 12.2%.

Navigating health insurance options in Henderson, Nevada, can be straightforward, especially when considering carriers like Select Health. For 2026, Select Health is an active participant in Nevada's health insurance marketplace, Nevada Health Link, offering a range of plans to residents of Henderson and the broader Clark County area. Understanding your options, including plan types, subsidy eligibility, and enrollment periods, is crucial to securing coverage that fits your needs and budget. This guide focuses on what Select Health offers in Henderson and how to make an informed decision.

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What Select Health Plans Are Available in Henderson, Nevada?

In Henderson, Select Health provides health insurance plans primarily through the Nevada Health Link marketplace. Consumers can expect to find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plan types. While Nevada's marketplace is predominantly HMO and EPO, limited PPO availability may exist in Clark County (Rating Area 1), where Henderson is located. It is important for shoppers to check local availability for their specific ZIP code on Nevada Health Link. These plans cover essential health benefits as mandated by the Affordable Care Act (ACA), including doctor visits, prescription drugs, emergency services, and preventive care. Select Health plans, like all marketplace plans, are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect the actuarial value of the plan, indicating the average percentage of healthcare costs the plan is expected to cover:

Metal Tier	Plan Pays (Approx.)	You Pay (Approx.)	Best For
Bronze	60%	40%	Healthy individuals who want low premiums and can cover higher out-of-pocket costs.
Silver	70%	30%	Individuals and families who qualify for Cost-Sharing Reductions (CSRs) or use moderate medical services.
Gold	80%	20%	Those who expect to use a fair amount of medical care and want more predictable costs.
Platinum	90%	10%	Individuals with extensive medical needs who prefer the lowest out-of-pocket costs for care.

Silver plans are unique because they are the only tier eligible for Cost-Sharing Reductions (CSRs), which lower deductibles, copayments, and out-of-pocket maximums for eligible individuals.

Understanding Subsidies and Affordability in Henderson

Many Henderson residents can significantly reduce their health insurance costs through financial assistance available via Nevada Health Link. These subsidies are designed to make coverage more affordable based on household income.

Advanced Premium Tax Credits (APTCs)

APTCs are applied directly to your monthly premium, lowering the amount you pay out-of-pocket. 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 may qualify for these tax credits. For a single person, 400% FPL in 2026 is approximately $60,240. For a family of four, it's around $124,800.

Cost-Sharing Reductions (CSRs)

CSRs provide additional savings on out-of-pocket costs like deductibles, copayments, and coinsurance. These are only available if you enroll in a Silver-tier plan and have a household income up to 250% FPL. For a single person, 250% FPL in 2026 is approximately $37,650. CSRs can make a substantial difference in the total cost of your healthcare, particularly if you anticipate needing regular medical services.

Nevada Medicaid and Nevada Check Up

For Henderson residents with lower incomes, Nevada has expanded Medicaid. Adults with household incomes up to 138% FPL may qualify for comprehensive, low-cost or no-cost health coverage through Nevada Medicaid. This program provides robust benefits without monthly premiums or significant out-of-pocket costs. Additionally, pregnant women with incomes up to 185% FPL can access Nevada Medicaid, and 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 made through Nevada DWSS or online at access.nv.gov.

Health Insurance Carriers in Henderson

Henderson, Nevada, located in Clark County, is part of Nevada Rating Area 1, which also covers Carson County. In 2026, 6 carriers offer marketplace plans in Rating Area 1, providing a competitive selection for residents. These carriers include:

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

When choosing a plan, it's essential to compare not only premiums but also deductibles, out-of-pocket maximums, and the provider networks for each carrier. Select Health, along with these other insurers, plays a vital role in providing access to care for the diverse population of Henderson.

Healthcare Landscape in Henderson and Clark County

Henderson, Nevada, is a significant city within Clark County, which serves a population of 2,329,548, per U.S. Census Bureau ACS 2024 5-year estimates. The city of Henderson itself boasts a population of 332,141 with a median income of $90,138 and a notably low uninsured rate of 6.7%, contrasting with Clark County's 12.2% uninsured rate. This thriving community has access to a robust healthcare infrastructure, with numerous hospitals within Clark County. These include prominent facilities such as Saint Rose Dominican Hospitals - Rose De Lima, Saint Rose Dominican Hospitals - Siena Campus, and Henderson Hospital, all located directly in Henderson, ensuring comprehensive acute care services are readily available to residents. Other major facilities in the broader county include Sunrise Hospital and Medical Center and University Medical Center in Las Vegas. When selecting a Select Health plan, or any other plan, it's important to verify that your preferred doctors and specialists are within the plan's network, especially for HMO and EPO plans which typically have more restricted networks.

Making Your Health Insurance Decision in Henderson

Choosing the right health insurance plan for your family in Henderson involves considering your income, health needs, and preferred providers.

If your income is below 138% FPL: You likely qualify for Nevada Medicaid. Apply through Nevada DWSS or online at access.nv.gov.
If your income is 100%–400% FPL: You are eligible for Advanced Premium Tax Credits to lower your monthly premiums. Consider a Silver plan if your income is below 250% FPL to benefit from Cost-Sharing Reductions.
If your income is above 400% FPL: You can still purchase a plan through Nevada Health Link or directly from a carrier. Focus on comparing plan benefits, networks, and out-of-pocket costs across metal tiers.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health and other carriers, understand your subsidy eligibility, and enroll in the best option for your situation, all at no cost to you.

Frequently Asked Questions

What is Nevada Health Link?

Nevada Health Link is the official state-based health insurance marketplace where individuals and families in Nevada can shop for and enroll in ACA-compliant health plans. It's also where eligible residents can apply for financial assistance to help lower the cost of premiums and out-of-pocket expenses.

Does Select Health cover all hospitals in Henderson?

Select Health plans have specific provider networks. While many major hospitals in Clark County, including those in Henderson like Saint Rose Dominican Hospitals - Rose De Lima, may be in-network, it's crucial to verify that your specific preferred hospital and doctors are covered by the particular Select Health plan you choose. Always check the plan's provider directory before enrolling.

Can I enroll in a Select Health plan outside of Open Enrollment?

Generally, you can only enroll in a health insurance plan during the annual Open Enrollment Period (typically November 1 to January 15). However, if you experience a qualifying life event, such as losing other health coverage, getting married, having a baby, or moving to Henderson, you may be eligible for a Special Enrollment Period (SEP) that allows you to enroll outside of this window.