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. Below you'll find how coverage works in Reno, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Reno
Licensed agents can compare plans available in Washoe County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Reno, NV
| Where to enroll | Nevada Health Link |
|---|---|
| Average benchmark silver, age 40 (2027) | $565/mo before subsidies |
| Marketplace insurers in Nevada (2027) | 8 |
| Medicaid expansion | Yes |
| Short-term plans | Sold with state limits (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Local 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.
How to get ready
- Write down the enrollment deadline and confirm your first premium payment.
- Ask each agent which carriers they can quote in your county.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Check that the agent's license is active with the state regulator.
Free enrollment help in Nevada
Nevada Health Link Certified Enrollment Counselors, Navigators and In-Person Assister organizations offer free help from trained, certified enrollment professionals. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
How much is health insurance in Reno?
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 licensed agent can quote your exact price.
Where can I buy health insurance in Reno?
Through the Nevada Health Link, directly from an insurer, or with a licensed agent or broker who can do either.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Nevada Medicaid. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
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