Select Health Insurance Plans in Incline Village, Nevada

Q: What is the income limit for Nevada Medicaid in Incline Village?

Nevada Medicaid is expanded, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify. For pregnant women, the income limit is 185% FPL, and for children under Nevada Check Up (CHIP), it's 200% FPL.

Select Health is one of six carriers offering marketplace plans in Incline Village (Rating Area 2) for 2026.
Nevada Health Link, the state-based marketplace, offers HMO and EPO plans primarily, with limited PPO availability in Washoe County.
Adults in Nevada with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Nevada Medicaid.
The median household income in Incline Village is $167,069, with an uninsured rate of 9.2%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Incline Village, Nevada, especially when focusing on a specific carrier like Select Health, requires understanding the local marketplace dynamics. Select Health is a confirmed provider in Washoe County's Rating Area 2, offering various plans through Nevada Health Link, the state's official health insurance marketplace. Residents of Incline Village looking for coverage from Select Health will find a range of plan types, including Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, designed to fit different healthcare needs and budgets. It is important to compare plan benefits, provider networks, and costs to select the best option for your household.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

What Select Health Plans Are Available in Incline Village?

As one of the six confirmed carriers in Incline Village for the 2026 plan year, Select Health offers plans through Nevada Health Link. Most plans available in Nevada are structured as HMOs or EPOs. HMOs typically require you to choose a primary care provider (PCP) within the network and get referrals for specialists, while EPOs offer a network of providers you can use without a referral, but generally do not cover out-of-network care. While PPO plans have limited availability on the Nevada marketplace, it is always advisable to check the specific plan details for your ZIP code to confirm the exact plan types Select Health offers in Incline Village. When evaluating Select Health plans, consider the metal tiers: Bronze, Silver, Gold, and Platinum. Bronze plans have the lowest monthly premiums but the highest out-of-pocket costs when you use care. Silver plans offer a balance of moderate premiums and out-of-pocket costs, and are the only tier eligible for Cost-Sharing Reductions (CSRs) for those who qualify based on income. Gold and Platinum plans have higher monthly premiums but lower deductibles and out-of-pocket maximums, meaning they cover a larger share of your medical costs.

Understanding Health Insurance Costs in Incline Village

The cost of health insurance from Select Health or any other carrier in Incline Village depends on several factors, including your age, household size, income, and the plan's metal tier. Many residents of Incline Village may qualify for financial assistance in the form of premium tax credits, which can significantly lower monthly premiums. These subsidies are available through Nevada Health Link and are based on your household income relative to the Federal Poverty Level (FPL). For the 2026 plan year, individuals and families earning between 100% and 400% FPL are eligible for premium tax credits. Additionally, those earning between 100% and 250% FPL may also qualify for Cost-Sharing Reductions (CSRs) if they enroll in a Silver plan. CSRs reduce your deductible, copayments, and out-of-pocket maximums, making healthcare more affordable when you need it. To illustrate potential costs, here is a general overview of metal tier characteristics:

Metal Tier	Monthly Premium (General)	Deductible (General)	Out-of-Pocket Max (General)	Best For
Bronze	Lowest	Highest	Highest	Healthy individuals who want protection from catastrophic costs.
Silver	Moderate	Moderate	Moderate (lower with CSRs)	Individuals/families who qualify for subsidies or expect moderate healthcare use.
Gold	High	Low	Low	Those who expect frequent medical care and prefer predictable costs.

It is important to remember that these are general characteristics. Actual costs and coverage details will vary by specific Select Health plan.

Nevada Medicaid and CHIP in Washoe County

For residents of Incline Village with lower incomes, Nevada offers robust Medicaid and Children's Health Insurance Program (CHIP) options. Nevada expanded Medicaid in 2014, making adults with household incomes up to 138% of the Federal Poverty Level (FPL) eligible for comprehensive, low-cost health coverage through Nevada Medicaid. Unlike some states, Nevada does not have a "coverage gap" for adults in this income range. Additionally, pregnant women in Nevada may qualify for Medicaid with incomes up to 185% FPL, covering prenatal care, labor and delivery, and extended postpartum care. Uninsured children in households up to 200% FPL can receive coverage through Nevada Check Up, the state's CHIP program. Applications for these programs can be made through Nevada DWSS or online at access.nv.gov. Incline Village, with a population of 9,272 and a poverty rate of 6.0% per U.S. Census Bureau ACS 2024 5-year estimates, has a significant portion of its residents who may benefit from these programs. Washoe County as a whole has a population of 497,200 and a poverty rate of 10.7%.

Health Insurance Carriers in Incline Village

In 2026, 6 carriers offer marketplace plans in Rating Area 2, which includes Incline Village and the entirety of Washoe County. Select Health is among these options, providing residents with choices for their healthcare coverage. The confirmed carriers for Incline Village (Rating Area 2) are:

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

When choosing a plan, it is crucial to verify that your preferred doctors, specialists, and medical facilities, such as Renown Regional Medical Center in Reno, are included in the carrier's network. Washoe County is served by four acute care hospitals, including Renown Regional Medical Center, Saint Mary's Regional Medical Center, Northern Nevada Medical Center, and Renown South Meadows Medical Center.

Making Your Health Insurance Decision in Incline Village

Choosing the right health insurance plan, whether from Select Health or another carrier, involves evaluating your specific needs, budget, and access to care. Here are key considerations:

Income and Subsidies: If your household income is between 100% and 400% FPL, you likely qualify for premium tax credits. If it's between 100% and 250% FPL, consider a Silver plan to maximize Cost-Sharing Reductions.
Healthcare Usage: If you anticipate frequent doctor visits or have chronic conditions, a Gold or Platinum plan with lower out-of-pocket costs might be more economical despite higher premiums. If you are generally healthy, a Bronze plan could be sufficient for catastrophic coverage.
Provider Network: Always check if your current doctors and preferred hospitals, such as those within the Renown Health system, are in the network of the Select Health plan you are considering.
Plan Type: Understand the differences between HMO, EPO, and any limited PPO options available. HMOs often have lower premiums but require referrals, while EPOs offer more flexibility within their network.

The city of Incline Village, located in Washoe County (Rating Area 2), has a median age of 47.9 years and an uninsured rate of 9.2%, per U.S. Census Bureau ACS 2024 5-year estimates. This local context underscores the importance of accessible and affordable health insurance options for its diverse population.

Frequently Asked Questions

How many health insurance carriers offer plans in Incline Village?

For the 2026 plan year, six health insurance carriers, including Select Health, offer marketplace plans in Rating Area 2, which covers Incline Village and all of Washoe County. These carriers are Ambetter, Anthem Blue Cross and Blue Shield, CareSource, Health Plan of Nevada, Imperial Insurance Companies, and Select Health.

Can I get a PPO plan through Nevada Health Link in Incline Village?

Nevada's marketplace, Nevada Health Link, primarily offers HMO and EPO plans. While PPO availability is limited, some PPO options may exist in Washoe County (Rating Area 2). It is important to check specific plan details for your ZIP code and carrier offerings directly on Nevada Health Link or with a licensed agent.

What is the income limit for Nevada Medicaid in Incline Village?

Nevada expanded Medicaid in 2014, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Nevada Medicaid. For pregnant women, the income limit is 185% FPL, and for children under Nevada Check Up (CHIP), it's 200% FPL.

What is the health insurance marketplace in Nevada called?

The official health insurance marketplace for Nevada is called Nevada Health Link. This is where individuals and families can compare plans, apply for financial assistance, and enroll in coverage.