Select Health Insurance Plans in North Las Vegas, Nevada

Select Health is one of 6 carriers offering marketplace plans in North Las Vegas (Rating Area 1) for the 2026 plan year.
Nevada Health Link is the state-based marketplace where North Las Vegas residents can compare and enroll in Select Health plans.
Financial assistance, including premium tax credits, is available for households earning between 100% and 400% of the Federal Poverty Level.
Nevada Medicaid offers coverage for adults with income up to 138% FPL, and pregnant women up to 185% FPL.

If you're looking for health insurance options from Select Health in North Las Vegas, Nevada, you're in the right place. Select Health is a confirmed participant on Nevada Health Link, the state's official health insurance marketplace, serving residents in Rating Area 1, which includes North Las Vegas. This means you can compare their plans alongside other carriers and potentially qualify for financial assistance to lower your monthly premiums and out-of-pocket costs. Understanding your options, including plan types, subsidy eligibility, and local healthcare providers, is crucial for making an informed decision about your coverage.

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Understanding Select Health Plans in North Las Vegas

Select Health offers a range of health insurance plans designed to meet diverse needs and budgets in North Las Vegas. When exploring their offerings on Nevada Health Link, you will primarily encounter Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. These plans typically involve a defined network of doctors and hospitals, with HMOs often requiring a primary care provider (PCP) referral for specialist visits.

While Nevada's marketplace is predominantly HMO and EPO, residents in Clark County (Rating Area 1) may find some limited PPO (Preferred Provider Organization) availability. PPO plans generally offer more flexibility in choosing providers, including out-of-network options at a higher cost. It is essential to carefully review the specific plan details, provider networks, and drug formularies for any Select Health plan you consider to ensure it aligns with your healthcare needs and preferences in North Las Vegas.

Nevada Health Link Marketplace Options in North Las Vegas

North Las Vegas residents access health insurance plans, including those from Select Health, through Nevada Health Link. This state-based marketplace allows individuals and families to compare plans from multiple carriers, determine eligibility for financial assistance, and enroll in coverage. Plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, each offering different levels of cost-sharing.

Bronze plans have the lowest premiums but the highest deductibles and out-of-pocket costs, suitable for those who anticipate minimal healthcare use.
Silver plans offer moderate premiums and out-of-pocket costs. They are particularly valuable for individuals who qualify for Cost-Sharing Reductions (CSRs), which can significantly lower deductibles, copayments, and maximum out-of-pocket limits.
Gold and Platinum plans feature higher premiums but lower deductibles and out-of-pocket costs, ideal for those who expect to use medical services frequently.

To enroll, you typically need to sign up during the annual Open Enrollment Period. However, you may qualify for a Special Enrollment Period if you experience a Qualifying Life Event, such as losing other coverage, getting married, having a baby, or moving to a new rating area.

Who Qualifies for Nevada Medicaid or CHIP in North Las Vegas?

Nevada expanded its Medicaid program in 2014, known as Nevada Medicaid, making health coverage accessible to more residents in North Las Vegas. Adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost or no-cost health insurance through Nevada Medicaid. This program covers essential health benefits, including doctor visits, hospital care, prescription drugs, and mental health services.

Beyond general adult eligibility, Nevada offers specific programs for vulnerable populations:

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

If your income is below these thresholds, applying for Nevada Medicaid or Nevada Check Up is your first step. These programs provide vital safety nets for affordable healthcare access.

Local Health Insurance Carriers in North Las Vegas

For 2026, residents of North Las Vegas, located in Nevada Rating Area 1, have a choice of 6 confirmed carriers offering plans on the Nevada Health Link marketplace. This diverse selection allows you to compare various plan designs, networks, and prices to find the best fit for your healthcare needs and budget. In 2026, the carriers confirmed to offer marketplace plans in Rating Area 1 are:

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

Each carrier provides a range of plans across the metal tiers (Bronze, Silver, Gold) with varying premiums, deductibles, and provider networks. It is crucial to review the specifics of each plan, including whether your preferred doctors or hospitals are in-network, before making an enrollment decision.

Hospitals and Healthcare Facilities in Clark County

North Las Vegas is situated in Clark County, which is home to a robust network of healthcare facilities, ensuring residents have access to a wide range of medical services. The county boasts 17 acute care hospitals, providing comprehensive care from routine treatments to specialized procedures. For North Las Vegas residents, North Vista Hospital is a prominent local facility.

Major hospital systems and medical centers in Clark County include Sunrise Hospital and Medical Center in Las Vegas, University Medical Center in Las Vegas, and several Saint Rose Dominican Hospitals campuses in Henderson and Las Vegas. Other notable facilities like Valley Hospital Medical Center, Mountainview Hospital, and Summerlin Hospital Medical Center also serve the broader metropolitan area. When selecting a health plan, especially an HMO or EPO, confirming that your preferred hospitals and doctors are within the plan's network is essential for maximizing your benefits and minimizing out-of-pocket costs.

North Las Vegas, with a population of 278,595 and an uninsured rate of 13.3%, is a significant part of Clark County (population 2,329,548) and Rating Area 1, which also covers Carson County. The presence of numerous healthcare providers, including North Vista Hospital, ensures that residents have access to diverse medical services, supporting the community's health needs.

Making an Informed Decision for Your North Las Vegas Health Coverage

Choosing the right health insurance plan in North Las Vegas involves considering several factors beyond just the premium. Here's a guide to help you:

Your Situation	Recommended Action
Household income up to 138% FPL	Apply for Nevada Medicaid immediately via access.nv.gov.
Household income 100%–400% FPL	Explore plans on Nevada Health Link. You likely qualify for premium tax credits and potentially cost-sharing reductions (especially on Silver plans).
Household income above 400% FPL	Compare plans on Nevada Health Link for the best value, or explore off-exchange options directly with carriers if preferred.
Need specific doctors or hospitals	Verify that your preferred providers are in-network for any plan you consider, especially HMO or EPO plans.
Frequent medical needs or prescriptions	Consider Gold or Silver plans with lower deductibles and out-of-pocket maximums. Check prescription drug formularies.
Healthy, anticipate minimal use	Bronze plans offer the lowest premiums but ensure you are comfortable with higher out-of-pocket costs for unexpected care.

Navigating the complexities of health insurance, especially with multiple carriers like Select Health and various plan types, can be challenging. A licensed health insurance agent can provide personalized guidance, help you compare plans, and ensure you receive all eligible subsidies, all at no cost to you.

Frequently Asked Questions

Is Select Health available on Nevada Health Link in North Las Vegas?

Yes, Select Health is one of 6 confirmed carriers offering plans on the Nevada Health Link marketplace in Rating Area 1, which includes North Las Vegas, for the 2026 plan year.

What types of plans does Select Health typically offer in Nevada?

Select Health, like other carriers in Nevada, primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. While PPO availability is limited in some parts of Nevada, residents in Clark County (Rating Area 1) may find some PPO options; it's essential to verify specific plan types and networks for your ZIP code.

Can I get financial help to pay for a Select Health plan in North Las Vegas?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions (CSRs) to lower your monthly premiums and out-of-pocket costs on plans purchased through Nevada Health Link. Nevada Medicaid is also available for adults up to 138% FPL.

What is Nevada Rating Area 1?

Nevada Rating Area 1 covers Clark and Carson counties, including North Las Vegas. Health insurance premiums can vary by rating area, reflecting local healthcare costs and competition among carriers. Understanding your rating area helps you see how local factors influence your plan costs.

How do I enroll in a Select Health plan in North Las Vegas?

You can enroll in a Select Health plan through the Nevada Health Link website during the annual Open Enrollment Period, or if you qualify for a Special Enrollment Period due to a life event. You can also work with a licensed health insurance agent, who can help you navigate the options and enroll at no additional cost.