Nevada Health Insurance Plans

2026 Off-Exchange plans

160 plans across the state

Off-Exchange plans

Nevada runs its own marketplace — Health Plan Radar shows Off-Exchange plans here, sold directly by the insurance companies.

MyHPN Catastrophic Plan
by Health Plan of Nevada, Inc.
Catastrophic HSA eligible HMO
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
Choice Bronze HSA
by SilverSummit Healthplan, Inc.
Bronze HSA eligible HMO
Deductible · ind / family
$7,250 / $14,500
Out-of-pocket max · ind / family
$7,250 / $14,500
Virtual HPN
by Health Plan of Nevada, Inc.
Bronze HSA eligible HMO
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
MyHPN Bronze 3
by Health Plan of Nevada, Inc.
Bronze HSA eligible HMO
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
MyHPN Plus Bronze 4
by Health Plan of Nevada, Inc.
Bronze HSA eligible HMO
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
Everyday Bronze
by SilverSummit Healthplan, Inc.
Bronze HSA eligible HMO
Deductible · ind / family
$8,450 / $16,900
Out-of-pocket max · ind / family
$10,150 / $20,300
MyHPN Plus Bronze 6
by Health Plan of Nevada, Inc.
Bronze HSA eligible HMO
Deductible · ind / family
$8,100 / $16,200
Out-of-pocket max · ind / family
$9,850 / $19,700
MyHPN Plus Bronze 5
by Health Plan of Nevada, Inc.
Bronze HSA eligible HMO
Deductible · ind / family
$7,800 / $15,600
Out-of-pocket max · ind / family
$9,550 / $19,100
Principal Silver
by SilverSummit Healthplan, Inc.
Silver HMO
Deductible · ind / family
$8,200 / $16,400
Out-of-pocket max · ind / family
$8,200 / $16,400
MyHPN Silver 1.1
by Health Plan of Nevada, Inc.
Silver HMO
Deductible · ind / family
$5,400 / $10,800
Out-of-pocket max · ind / family
$9,700 / $19,400
Silver 201 HSA
by SilverSummit Healthplan, Inc.
Silver HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$5,800 / $11,600
Complete Silver
by SilverSummit Healthplan, Inc.
Silver HMO
Deductible · ind / family
$5,950 / $11,900
Out-of-pocket max · ind / family
$8,850 / $17,700
Focused Silver
by SilverSummit Healthplan, Inc.
Silver HMO
Deductible · ind / family
$6,300 / $12,600
Out-of-pocket max · ind / family
$8,400 / $16,800
MyHPN Silver 11
by Health Plan of Nevada, Inc.
Silver HMO
Deductible · ind / family
$6,500 / $13,000
Out-of-pocket max · ind / family
$8,900 / $17,800
MyHPN Silver 10
by Health Plan of Nevada, Inc.
Silver HMO
Deductible · ind / family
$4,000 / $8,000
Out-of-pocket max · ind / family
$7,300 / $14,600
MyHPN Silver 12
by Health Plan of Nevada, Inc.
Silver HMO
Deductible · ind / family
$7,000 / $14,000
Out-of-pocket max · ind / family
$8,950 / $17,900
Silver 203
by SilverSummit Healthplan, Inc.
Silver HMO
Deductible · ind / family
$4,450 / $8,900
Out-of-pocket max · ind / family
$7,250 / $14,500
Clarity Silver
by SilverSummit Healthplan, Inc.
Silver HMO
Deductible · ind / family
$6,300 / $12,600
Out-of-pocket max · ind / family
$10,600 / $21,200
Elite Gold
by SilverSummit Healthplan, Inc.
Gold HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$6,500 / $13,000
MyHPN Gold 6
by Health Plan of Nevada, Inc.
Gold HMO
Deductible · ind / family
$1,800 / $3,600
Out-of-pocket max · ind / family
$7,900 / $15,800
Complete Gold
by SilverSummit Healthplan, Inc.
Gold HMO
Deductible · ind / family
$1,450 / $2,900
Out-of-pocket max · ind / family
$7,500 / $15,000
Gold 201 HSA
by SilverSummit Healthplan, Inc.
Gold HSA eligible HMO
Deductible · ind / family
$3,400 / $6,800
Out-of-pocket max · ind / family
$3,400 / $6,800
Gold 202
by SilverSummit Healthplan, Inc.
Gold HMO
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$6,000 / $12,000
Everyday Gold
by SilverSummit Healthplan, Inc.
Gold HMO
Deductible · ind / family
$800 / $1,600
Out-of-pocket max · ind / family
$7,250 / $14,500

Frequently asked questions

What are Obamacare health insurance plans?

Obamacare plans are eligible for reduced costs through a subsidy tax credit. They're offered only through the federal marketplace (healthcare.gov) or a state's own exchange — but certified brokers, agents, and web brokers can help you enroll and apply for a subsidy.

What are Off-Exchange health insurance plans?

Off-Exchange plans are available outside the federal marketplaces and existed before Obamacare. You can enroll through a broker, agent, web broker, or directly with the insurance company.

What's the difference between Obamacare and Off-Exchange plans?

The main difference is that only Obamacare plans are eligible for a subsidy tax credit. Otherwise, plan design, coverage, and rates are similar, and both must follow federal regulations.

How do I choose the plan that's best for me and my family?

Understand a few key concepts first — premium price, out-of-pocket costs, deductibles, and metal levels. Our choosing-a-plan FAQ explains each one.

FAQs — choosing a health insurance plan →