Select Health Insurance Plans in Reno, Nevada

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

Select Health is one of 6 carriers offering marketplace health insurance plans in Reno's Rating Area 2 for 2026.
Nevada Health Link is the state-based marketplace for Reno residents, offering subsidies to those earning up to 400% FPL.
Nevada Medicaid covers adults with incomes up to 138% FPL, and pregnant women up to 185% FPL.
Reno's uninsured rate is 10.6%, slightly higher than Washoe County's 9.9%, per U.S. Census Bureau ACS 2024 5-year estimates.

If you're looking for health insurance options in Reno, Nevada, including plans from Select Health, you'll navigate the state's official marketplace, Nevada Health Link. As a resident of Reno, you are part of Nevada Rating Area 2, which includes all of Washoe County. Select Health is one of several carriers providing coverage in this area for the 2026 plan year. Understanding your choices involves knowing about plan types, potential subsidies, and local healthcare providers. This guide will help you explore your options and make an informed decision for yourself and your family.

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What Health Insurance Options Does Select Health Offer in Reno?

Select Health offers a range of health insurance plans through Nevada Health Link, catering to various needs and budgets. While specific plan details can vary annually, marketplace plans are categorized by metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the level of cost-sharing between you and the insurer. Bronze plans typically have lower monthly premiums but higher out-of-pocket costs when you use care, while Gold and Platinum plans have higher premiums but lower out-of-pocket expenses. Nevada's marketplace primarily features Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. While PPO (Preferred Provider Organization) availability can be limited, some PPO options may exist within Washoe County (Rating Area 2). Select Health, like other carriers, will offer plans that align with these structures, often emphasizing networks that include major local facilities such as Renown Regional Medical Center and Saint Mary's Regional Medical Center, both located in Reno.

Understanding Marketplace Subsidies and Nevada Medicaid in Reno

Many Reno residents qualify for financial assistance to make health insurance more affordable. Subsidies, known as Advance Premium Tax Credits (APTCs), are available through Nevada Health Link for individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). These tax credits can significantly reduce your monthly premium. Additionally, if your income is between 150% and 250% FPL, you may also qualify for Cost-Sharing Reductions (CSRs), which lower your deductibles, copayments, and out-of-pocket maximums, making Silver plans particularly valuable. Nevada has expanded its Medicaid program, meaning adults with incomes up to 138% FPL may qualify for comprehensive, low-cost health coverage through Nevada Medicaid. For a single individual in 2026, this typically means an income below approximately $20,782 per year. Pregnant women in Nevada can qualify for Medicaid with incomes up to 185% FPL, which includes comprehensive prenatal, delivery, and extended 12-month postpartum care. Applications for Nevada Medicaid can be submitted through Nevada DWSS or online at access.nv.gov. Uninsured children in households up to 200% FPL may qualify for Nevada Check Up, the state's CHIP program.

Local Healthcare Providers and Hospitals in Washoe County

Reno, located in Washoe County, is served by a robust network of healthcare providers and hospitals. Washoe County is home to 4 acute care hospitals, ensuring residents have access to comprehensive medical services. Major facilities include Renown Regional Medical Center and Saint Mary's Regional Medical Center, both prominent institutions in Reno. Northern Nevada Medical Center in Sparks and Renown South Meadows Medical Center, also in Reno, further expand local options. When choosing a Select Health plan, it is crucial to verify that your preferred doctors and hospitals are within the plan's network to ensure seamless access to care. Washoe County, which is Nevada Rating Area 2, serves a population of 497,200 with a median age of 39.0 years, per U.S. Census Bureau ACS 2024 5-year estimates. The county's uninsured rate stands at 9.9%, while the city of Reno itself has an uninsured rate of 10.6%, with a population of 273,212. These figures highlight the ongoing need for accessible health insurance options in the region, which carriers like Select Health help to address.

Health Insurance Carriers in Reno

In 2026, 6 carriers offer marketplace health insurance plans in Reno's Rating Area 2 through Nevada Health Link. This ensures a competitive market with various options for residents of Washoe County. The confirmed carriers for this rating area include:

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

When comparing plans, consider not only the monthly premium but also the deductible, copayments, coinsurance, and the out-of-pocket maximum. Also, check each plan's provider network to ensure it includes your preferred doctors and local hospitals such as Renown Regional Medical Center or Saint Mary's Regional Medical Center.

Making the Right Health Plan Decision in Reno

Choosing the right health insurance plan, whether from Select Health or another carrier, depends on your individual health needs, financial situation, and preferred access to care. Here’s a guide to help you navigate your options:

If your income is below 138% FPL: You likely qualify for Nevada Medicaid. This program offers comprehensive coverage with no premiums and minimal out-of-pocket costs.
If your income is between 100% and 400% FPL: You are eligible for Advance Premium Tax Credits (APTCs) to lower your monthly premiums on Nevada Health Link.
If your income is between 150% and 250% FPL: In addition to APTCs, you qualify for Cost-Sharing Reductions (CSRs) if you choose a Silver plan. CSRs significantly reduce your deductibles, copayments, and out-of-pocket maximums, making Silver plans a highly cost-effective choice.
Consider your healthcare usage: If you anticipate frequent doctor visits or need prescription medications, a Gold or Platinum plan might be more cost-effective despite higher premiums due to lower out-of-pocket costs. If you are generally healthy and prefer lower monthly payments, a Bronze plan might suit you, but be prepared for higher costs if unexpected medical needs arise.
Check provider networks: Always confirm that your preferred doctors, specialists, and hospitals (like Renown Regional Medical Center or Northern Nevada Medical Center) are in-network for any plan you are considering.

Navigating these choices can be complex. A licensed health insurance producer can provide free, personalized guidance, helping you compare plans from Select Health and other carriers, understand your subsidy eligibility, and enroll in a plan that meets your needs.

Frequently Asked Questions

Can I get a PPO plan from Select Health in Reno?

Nevada's marketplace, Nevada Health Link, primarily offers HMO and EPO plans. While PPO availability can be limited, some PPO options may exist in Washoe County (Rating Area 2) where Reno is located. It is essential to verify specific plan types and availability directly when comparing options.

What is the income limit for Nevada Medicaid in Reno?

Nevada expanded Medicaid in 2014, making it available to adults with household incomes up to 138% of the Federal Poverty Level (FPL). For a single individual, this means qualifying with an income below approximately $20,782 per year in 2026. Pregnant women may qualify with incomes up to 185% FPL.

How many health insurance carriers offer marketplace plans in Reno?

In 2026, 6 carriers offer marketplace health insurance plans in Reno's Rating Area 2, which covers all of Washoe County. These carriers include Ambetter, Anthem Blue Cross and Blue Shield, CareSource, Health Plan of Nevada, Imperial Insurance Companies, and Select Health.

Is Reno part of HealthCare.gov?

No, Reno residents use Nevada Health Link, which is Nevada's state-based marketplace. While HealthCare.gov is the federal marketplace, Nevada operates its own exchange for purchasing ACA-compliant health insurance plans and accessing subsidies.

What major hospitals are available in Reno?

Reno and the surrounding Washoe County are served by several acute care hospitals. Key facilities in Reno include Renown Regional Medical Center, Saint Mary's Regional Medical Center, and Renown South Meadows Medical Center. Northern Nevada Medical Center is also located nearby in Sparks.