Before subsidies, the average benchmark silver plan for a 40-year-old in Nevada costs $565 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size.
A health insurance broker in Reno works for you, not for one insurance company. Brokers are licensed in Nevada to sell plans from several carriers, so one conversation can cover marketplace plans, off-exchange plans and other options side by side. Below are 12 brokerages near Reno, sorted by distance.
Health Insurance Brokers near Reno
Licensed agents can compare plans available in Washoe County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in Reno
- Networks worth checking before you pick a plan in Reno are Renown Health (Renown Regional Medical Center, Renown South Meadows and its children's hospital) and Saint Mary's Regional Medical Center. Source
- Saint Mary's is a hospital in Reno that is separate from the Renown system. Source
- Public health in Reno and the rest of Washoe County is handled by Northern Nevada Public Health, the agency formerly known as the Washoe County Health District. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Broker or agent: what's the difference?
A captive agent sells one company's plans. An independent agent or broker is appointed with several insurers and can compare them. In everyday use the words overlap, so ask any office which carriers it can quote in Nevada.
Do brokers cost more?
No. Health insurers pay brokers a commission that's already part of the premium. You pay the same price for a plan whether you buy it yourself or through a broker.
What a broker can compare for you
Premiums, deductibles and out-of-pocket maximums; which doctors and hospitals are in each network; whether your prescriptions are covered; and whether you qualify for a premium tax credit.
Carriers a Reno broker can quote
For 2027, marketplace plans in Nevada come from 8 insurers: Anthem Blue Cross and Blue Shield (HMO Nevada / Community Care Health Plans), CareSource Nevada, Health Plan of Nevada (UnitedHealthcare), SelectHealth, SilverSummit (Ambetter), Hometown Health, Imperial Insurance and Molina Healthcare. Not every insurer sells in every county. An independent broker appointed with several of them can compare prices and networks side by side.
A quick checklist
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Ask each agent which carriers they can quote in your county.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
Checking an agent's license in Nevada
- The Nevada Division of Insurance runs an online License Search with an Agent Lookup for checking whether an individual agent is licensed, and it links to Sircon and NAIC producer databases for more detail. Source
- The Nevada Division of Insurance licenses insurance agents and brokers and regulates health insurers in the state. Consumers can file a formal complaint with the Division, including over alleged misconduct by an agent or broker. Source
Frequently asked questions
Can a broker help me get a subsidy?
Yes. Brokers certified with the marketplace can estimate your premium tax credit and enroll you in a subsidized plan.
Is there a fee to use a broker?
Most health insurance brokers charge nothing to individuals and families; the insurer pays them. Ask up front if you're unsure.
How do I find a good health insurance broker in Reno?
Look for a broker licensed in Nevada who can quote several carriers, is certified with the Nevada Health Link, and has reviews from local clients. You can verify any license with the Nevada insurance regulator.
Brokers in nearby cities
- Sun Valley, NV 6 miles
- Sparks, NV 7 miles
- Lemmon Valley, NV 10 miles
- Cold Springs, NV 12 miles
- Spanish Springs, NV 12 miles
- Incline Village, NV 20 miles
- Truckee, CA 23 miles
- Dayton, NV 25 miles
- Carson City, NV 28 miles
- Indian Hills, NV 32 miles