Select Health Insurance Plans in Las Vegas, Nevada
- Select Health is one of 6 carriers offering marketplace health insurance plans in Las Vegas, part of Nevada Rating Area 1, for the 2026 plan year.
- Las Vegas residents with household incomes between 100% and 400% FPL may qualify for significant subsidies through Nevada Health Link to reduce monthly premiums.
- Nevada Medicaid offers free or low-cost coverage for adults with incomes up to 138% FPL, and for pregnant women up to 185% FPL.
- The uninsured rate in Las Vegas stands at 13.4%, slightly higher than Clark County's 12.2%, per U.S. Census Bureau ACS 2024 5-year estimates.
For residents of Las Vegas, Nevada, understanding your health insurance options is crucial, especially when considering specific carriers like Select Health. Select Health offers a range of plans through Nevada Health Link, the state's official health insurance marketplace. These plans are designed to provide comprehensive coverage, often with financial assistance available to make premiums more affordable. Whether you're seeking individual, family, or small business coverage, navigating the choices requires knowing what's available and how it aligns with your healthcare needs and budget.
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What Are Your Select Health Insurance Options in Las Vegas?
In Las Vegas, Select Health is a confirmed carrier offering health insurance plans on the Nevada Health Link marketplace for the 2026 plan year. As part of Nevada Rating Area 1, which covers Carson and Clark counties, Las Vegas residents have access to a variety of plan types from Select Health and other insurers. Nevada's marketplace primarily features Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. While PPO availability is limited to select rating areas, it is possible to find PPO options in Clark County (Rating Area 1). This means you should review the specific plan details to understand network restrictions and referral requirements.
When selecting a plan, consider the different 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 primarily want coverage for catastrophic events. Silver plans offer a balance of moderate premiums and out-of-pocket costs, and they are the only plans eligible for Cost-Sharing Reductions (CSRs) if you qualify. Gold and Platinum plans feature higher premiums but lower deductibles and out-of-pocket maximums, providing more comprehensive coverage for those who expect to use medical services frequently.
Understanding Subsidies and Financial Assistance in Las Vegas
Many Las Vegas residents can receive financial assistance to lower the cost of their Select Health insurance plan. Subsidies, also known as premium tax credits, are available through Nevada Health Link for individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). Thanks to enhanced subsidies extended through 2025, more people qualify for assistance, and those already eligible receive more significant savings, making plans more affordable than ever.
In addition to premium tax credits, Cost-Sharing Reductions (CSRs) are available for those with incomes up to 250% FPL who enroll in a Silver-tier plan. CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance, making healthcare more accessible. To determine your eligibility for these forms of assistance, it's essential to apply through Nevada Health Link, which will calculate your potential savings based on your income and household size. As of the U.S. Census Bureau ACS 2024 5-year estimates, the median household income in Las Vegas is $73,877, and the poverty rate is 14.0%, indicating a significant portion of the population may qualify for assistance.
Nevada Medicaid and CHIP for Las Vegas Residents
For Las Vegas residents with lower incomes, Nevada Medicaid provides a critical safety net. Nevada expanded Medicaid in 2014, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost health coverage. This program, known as Nevada Medicaid, ensures that eligible individuals and families can access essential healthcare services, including doctor visits, hospital stays, prescription drugs, and preventive care, with minimal or no out-of-pocket costs.
Pregnant women in Nevada also have expanded coverage options through Medicaid, with eligibility extending up to 185% FPL. This includes comprehensive prenatal care, labor and delivery services, and 12 months of postpartum coverage under the extended benefit adopted by the state. For children, the Nevada Check Up program (the state's CHIP program) covers uninsured children in households with incomes up to 200% FPL. Applications for Nevada Medicaid and Nevada Check Up can be submitted through the Nevada Department of Welfare and Supportive Services (DWSS) or online at access.nv.gov.
Health Insurance Carriers in Las Vegas
For the 2026 plan year, residents of Las Vegas, located in Nevada Rating Area 1 (which covers Carson and Clark counties), have a choice of 6 carriers offering marketplace plans through Nevada Health Link. Select Health is among these options, providing competitive plans to the area's population of 660,400, per U.S. Census Bureau ACS 2024 5-year estimates. The confirmed local carriers for Rating Area 1 include:
- Ambetter
- Anthem Blue Cross and Blue Shield
- CareSource
- Health Plan of Nevada
- Imperial Insurance Companies
- Select Health
These carriers offer a range of plan types, primarily HMO and EPO, with limited PPO availability in Clark County. When comparing plans, consider the network of doctors and hospitals, the monthly premium, deductibles, copayments, and the overall out-of-pocket maximum. Many of Clark County's 17 acute care hospitals, including Sunrise Hospital and Medical Center, University Medical Center, and Valley Hospital Medical Center in Las Vegas, are part of various carrier networks.
Choosing Your Select Health Plan in Las Vegas
Deciding on the right Select Health plan, or any plan, in Las Vegas involves evaluating your healthcare needs, budget, and eligibility for financial assistance. Here’s a general guide:
- If your income is below 138% FPL: You likely qualify for Nevada Medicaid. This is the most comprehensive and lowest-cost option. Apply through Nevada DWSS or access.nv.gov.
- If your income is between 100% and 400% FPL: You are eligible for significant premium tax credits on Nevada Health Link. Consider a Silver plan, especially if your income is below 250% FPL, to take advantage of 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 deductibles, out-of-pocket maximums, and network access to find the best value.
A licensed health insurance producer can help you compare plans from Select Health and other carriers, explain the benefits, and assist with the enrollment process, all at no cost to you. They can ensure you leverage all available subsidies and choose a plan that covers your preferred doctors and hospitals in Las Vegas.