Select Health Health Insurance Options in Storey County, Nevada

Q: How do I choose the right health plan in Storey County?

Consider your budget, typical healthcare usage, preferred doctors, and prescription needs. Bronze plans have lower premiums but higher out-of-pocket costs, while Gold plans offer higher premiums for lower costs when you need care. Enhanced Silver plans are excellent for those who qualify for Cost-Sharing Reductions based on income.

Select Health is one of 6 health insurance carriers offering plans on Nevada Health Link for Storey County residents in 2026.
Storey County is part of Nevada Rating Area 3, which includes 13 other counties, and has a population of 4,140 per U.S. Census Bureau ACS 2024 5-year estimates.
Nevada Medicaid is expanded, covering adults with incomes up to 138% of the Federal Poverty Level (FPL), and pregnant women up to 185% FPL.

For residents of Storey County, Nevada, securing comprehensive health insurance is a crucial step towards safeguarding your health and financial well-being. If you're considering Select Health or exploring other options available through Nevada Health Link, understanding your choices, eligibility for subsidies, and local healthcare landscape is essential. In 2026, Select Health is one of six carriers providing marketplace plans in Storey County, which is part of Nevada Rating Area 3. This guide will help you navigate the health insurance market, understand how the Affordable Care Act (ACA) impacts your coverage, and connect you with the resources needed to make an informed decision.

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What Health Plans and Carriers Are Available in Storey County?

Storey County residents primarily access health insurance through Nevada Health Link, the state-based marketplace for ACA-compliant plans. These plans offer comprehensive benefits, including essential health benefits, and cannot deny coverage based on pre-existing conditions. While HMO and EPO plans are common, Nevada's marketplace also has limited PPO availability, especially in rating areas like Storey County. Storey County, part of Nevada Rating Area 3, which covers Churchill, Douglas, Elko, Esmeralda, Eureka, Humboldt, Lander, Lincoln, Lyon, Mineral, Nye, Pershing, Storey, White Pine counties, has a unique demographic profile. Per U.S. Census Bureau ACS 2024 5-year estimates, the county has a population of 4,140, a median income of $93,409, and an uninsured rate of 4.4%. Storey County has no acute care hospitals within its boundaries, meaning residents typically travel to neighboring counties for hospital services.

Health Insurance Carriers in Storey County

For the 2026 plan year, 6 carriers offer marketplace plans in Rating Area 3, which includes Storey County. These carriers provide a range of plan types and networks to choose from:

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

When reviewing plans, it is important to consider not only the monthly premium but also the deductible, copayments, and coinsurance, as these factors determine your out-of-pocket costs when you receive care.

Understanding Financial Assistance and Nevada Medicaid

The Affordable Care Act (ACA) makes health insurance more affordable for many individuals and families through subsidies available on Nevada Health Link. These subsidies come in two main forms:

Premium Tax Credits (PTC): These reduce your monthly premium payments. Eligibility is based on household income relative to the Federal Poverty Level (FPL). You may qualify for significant premium assistance if your income falls between 100% and 400% FPL.
Cost-Sharing Reductions (CSRs): These lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are typically for individuals and families with incomes up to 250% FPL.

Nevada expanded its Medicaid program in 2014, known as Nevada Medicaid. This means adults with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive, low-cost or no-cost health coverage. For pregnant women, Nevada Medicaid covers those with incomes up to 185% FPL, including prenatal care, delivery, and 12 months of postpartum care. The state also offers Nevada Check Up, its CHIP program, which covers uninsured children in households up to 200% FPL. To determine your eligibility for subsidies or Nevada Medicaid, you will need to provide information about your household size and income when applying through Nevada Health Link or directly through Nevada DWSS at access.nv.gov.

Choosing the Right Select Health Plan or Alternative

Selecting the best health insurance plan involves weighing several factors specific to your needs and financial situation. Here's a guide to help you compare Select Health offerings with other carriers:

Plan Metal Tier	Key Characteristics	Best For
Bronze Plans	Lowest monthly premiums, highest deductibles and out-of-pocket maximums. Cover 60% of costs on average.	Individuals who want low monthly costs and anticipate minimal healthcare use, but want protection from catastrophic costs.
Silver Plans	Moderate premiums, moderate deductibles. Cover 70% of costs on average. Eligible for Cost-Sharing Reductions (CSRs).	Individuals and families who qualify for CSRs (incomes up to 250% FPL), or those who want a balance of monthly costs and out-of-pocket expenses.
Gold Plans	Higher monthly premiums, lower deductibles and out-of-pocket maximums. Cover 80% of costs on average.	Individuals and families who anticipate frequent healthcare needs and prefer predictable, lower costs when they receive medical care.

When considering a Select Health plan or any other carrier in Storey County, evaluate:

Provider Network: Check if your preferred doctors, specialists, and any necessary facilities are in-network. Storey County has no acute care hospitals, so understanding which hospitals in neighboring counties are covered is essential.
Prescription Coverage: Review the plan's formulary to ensure your medications are covered and understand the associated costs.
Total Out-of-Pocket Costs: Look beyond just the premium. Consider the deductible, copayments, coinsurance, and annual out-of-pocket maximum to understand your potential total expenses.
Customer Service and Benefits: Research the carrier's reputation for customer service and the specific benefits offered beyond basic coverage.

Frequently Asked Questions

Can I get Select Health insurance through Nevada Health Link?

Yes, Select Health is one of 6 carriers offering plans on the Nevada Health Link marketplace in Rating Area 3, which includes Storey County, for the 2026 plan year. You can compare their plans with other available options to find the best fit for your healthcare needs and budget.

What are the income limits for Nevada Medicaid in Storey County?

Nevada expanded Medicaid, allowing adults with household incomes up to 138% of the Federal Poverty Level (FPL) to qualify for coverage. For pregnant women, the income limit is 185% FPL, and for children under Nevada Check Up (CHIP), it's 200% FPL. These programs provide essential healthcare services at little to no cost for eligible residents.

How do I choose the right health plan in Storey County?

To choose the right plan, consider your budget, typical healthcare usage, and whether your preferred doctors are in a plan's network. Bronze plans offer lower premiums but higher out-of-pocket costs, while Gold plans have higher premiums but lower costs when you need care. If you qualify for subsidies, Enhanced Silver plans can offer significant savings on both premiums and out-of-pocket expenses.

What if I need to see a doctor or go to a hospital in Storey County?

Storey County does not have any acute care hospitals within its boundaries. Residents needing hospital services or specialized acute care typically travel to facilities in neighboring counties within Rating Area 3. It is crucial to verify that any hospital or provider you anticipate using is within your chosen plan's network.