NEVADA · 17 COUNTIES · 2027 APPROVED RATES · NOVEMBER 2026
What does employer health coverage cost in Nevada?
Regulators approved 16.2% on marketplace plans in Nevada for 2027. The national median is 14.8%.
Employer group plans were approved at 13.3%. No Nevada county has a PPO or POS plan on the marketplace. A handful are filed off the marketplace with 1 person in them, which isn't a shelf you can build a plan on.
Nevada, by the filings
What did regulators approve for Nevada?
Every figure below comes from the filings insurers submitted to regulators. The 2027 numbers are what regulators approved, not what insurers asked for.
| Nevada | Figure | What it tells you |
|---|---|---|
| 2027 approved change, marketplace plans | +16.2% -2.0% to +26.9% across 12 insurers | 22nd highest of 51. The national median is 14.8%. The approved median matched what insurers asked for. |
| 2027 approved change, employer group plans | +13.3% +5.0% to +17.3% across 8 insurers | Group came in 2.9 points below marketplace here. |
| 2026 approved change | +23.2% marketplace +12.6% group | Compounded with 2027, that's roughly 28% to 43% on top of 2025. |
| Lowest cost silver plan, age 40, typical county | $830 per month $469 to $830 across counties | The number a CHOICE Arrangement contribution has to cover to pass the IRS affordability test. |
| Counties with a PPO or POS plan filed | 0 of 17 | Out-of-network coverage is not purchasable anywhere in Nevada on the marketplace. Plans are filed off the marketplace with 1 person in them, which is not a real shelf. |
| Typical county, lowest cost silver by plan type | $830 HMO · no PPO | There is no PPO price to compare, because no insurer files one. |
| Marketplace vs group cost per member per month, 2026 | $701 marketplace $679 group | Group plans cost less per member here. Nevada is not one of the 22 states where marketplace wins on price. |
| Insurers competing per county | 5 to 8 | Every Nevada county has at least 5 insurers competing. |
| Out-of-network plans sold off the marketplace | 4 filed 1 enrolled | PPO plans are filed off the marketplace in Nevada with 1 person in them. Treat it as a paper option until a carrier puts a real quote on it. |
What it means for a Nevada employer
Your renewal is a number. What are you allowed to change about it?
An approved 16.2% sits above the national median of 14.8%. The market number isn't your number, though. Two Nevada employers the same size can land 20% apart on the same filings.
The Nevada-specific read: group plans already cost less per member per month here, and no county has a PPO or POS plan on the marketplace. Those two facts together mean a CHOICE Arrangement is the wrong move in Nevada for most employers. 4 out-of-network plans are filed off the marketplace in Nevada and 1 person is enrolled in them, so treat that as a paper option until a carrier puts a real quote on it.
Where the money actually is at these rates: not the plan type, the design changes inside it. Sourcing 2,000+ medications at a $0 copay for the whole household. Unlimited virtual primary and behavioral care so a $0 visit replaces an urgent care trip. A supplemental layer that pays the employer back every pay period instead of adding a line item.
Those have landed at $2,000+ per employee per year in real client projects, with about $988 per employee per year in new cashflow on top of that and independent of it. About $100K per year for every 50 people. $0 upfront, billed out of savings, live in 30 to 45 days. Same broker, same doctors, same cards.
Compare the 12 plan designs · All 50 states and DC · PPO availability by county · Benchmark your cost
If your Nevada renewal came back flat instead of 16.2%, what would you put the difference into first?
Results vary by group size, plan design, and utilization.
Sounds concerning? You have options.
No PPO on the Nevada marketplace. So what's actually left?
4 out-of-network plans are filed off the marketplace in Nevada and 1 person is enrolled in them, so treat that as a paper option until a carrier quotes it. That closes one route. It doesn't close the rest.
Here's the part that isn't anyone's fault. The systems that surface plan options only surface what's already inside them. The marketplace shows you what insurers filed for the marketplace. Your broker shows you the markets their appointments reach. Both are doing their job. Neither one can show you what sits outside it.
99% of the brokers we talk to have never had visibility to our programs. They sit outside their commissioned channels.
| What you run today | What changes | Range observed |
|---|---|---|
| Fully insured, mid-market | Level-funded, shelf-rated, or a partially self-funded design, so a good claims year comes back to you instead of staying with the carrier. | 15 to 25% of plan cost |
| Already self-funded | Stop-loss restructured, a captive layer, and claims priced off a defensible benchmark instead of a billed charge. | 20 to 30% of plan cost |
| Any plan, any funding | Layers that sit on top of what you already run. 2,000+ medications at $0 to the whole household. Unlimited virtual primary and behavioral care. A supplemental layer that pays the employer back every pay period. | $2,000+ per employee per year plus up to about $988 per employee per year in new cashflow about $100K per year for every 50 people |
| A group plan you can't move yet | A GCHRA or EBHRA running alongside it, so people buy what they actually need with pretax dollars without touching the plan itself. | No audited range published. Depends entirely on take-up. We won't print a number we haven't measured. |
| Ready to leave the group plan | A CHOICE Arrangement. Defined contribution instead of a defined plan. Your cost becomes a number you set rather than a renewal you receive. | Priced per census. Whether it beats your group plan depends on the county mix in your census, not the state average. |
Why the ranges are keyed to what you run today and not to a product name: that's how they were measured. Every range above comes from completed client projects, grouped by the employer's starting point. We don't publish a savings percentage next to "level-funding" or "captive" as a category, because nobody measured a category. If you see a number like that anywhere, ask what it was measured on.
$0 upfront. Billed out of savings. Live in 30 to 45 days. Same broker, same doctors, same cards. First-year ROI has landed at 10 to 16x across completed projects.
Compare all 12 plan designs · Benchmark your own cost · Get it priced on your census
If one of these came back at the low end of its range for your Nevada group, which line in your budget would you want it to pay for first?
Ranges are what we have observed across completed engagements. They are not a guarantee, not a quote, and not an offer of coverage. Your result depends on group size, plan design, census, and utilization.
Questions Nevada employers ask
How much are health insurance rates going up in Nevada in 2027?
Regulators approved a median 16.2% increase on marketplace plans in Nevada and 13.3% on employer group plans for 2027. The national median across all individual market filings is 14.8%. Individual insurer approvals in Nevada range from -2.0% to 26.9%. The approved median matched what insurers asked for.
Is a PPO available in Nevada on the marketplace?
No. No Nevada county has a PPO or POS plan filed on the marketplace for 2026. 4 are filed off the marketplace with 1 person in them, which is not a purchasable option in practice. Nevada is one of 18 states with no PPO or POS on the marketplace anywhere.
What does a silver plan cost in Nevada?
The lowest cost silver plan for a 40-year-old non-smoker runs $830 per month in a typical Nevada county for 2026, ranging from $469 to $830 across counties, before any subsidy. No Nevada insurer files a PPO on the marketplace, so there is no PPO price to compare.
Do I have to offer health insurance if I have fewer than 50 employees in Nevada?
Not under federal law. The ACA employer rule starts at 50 or more full-time employees, counting full-time equivalents and averaged over the prior year. Below that line it’s a choice rather than an obligation. Hawaii is the national exception: it requires coverage for anyone working 20 or more hours per week, with no headcount minimum at all. Some states run an employer assessment that helps fund public coverage, Massachusetts among them, which is a payroll charge rather than a requirement to offer a plan.
What are my options in Nevada with fewer than 50 employees, and what changes above 50?
Under 50, the designs that carry no headcount minimum are open to you: a CHOICE Arrangement (formerly ICHRA), QSEHRA, shelf-rated (flat-rate) guaranteed issue plans, and the supplemental layers that sit on top of whatever you already have. Level-funded generally opens up in the tens of lives. At 50 and above, self-funding, a captive and reference-based pricing come into range, and the ACA reporting obligations begin. A MEC-only plan is the cheapest way to clear the larger penalty, and worth comparing against a bronze-level design before you choose it. The usual surprise is how much is available below 50, not how little.
What’s my best option in Nevada?
It depends, and the honest version of that answer is a short list of variables rather than a product. Headcount, your workforce ages, whether anyone is mid-treatment, whether you want your claims data back, and what you can fund per employee. The range is wide: shelf-rated guaranteed issue plans, which price everyone the same regardless of age and can run alongside your existing plan rather than replacing it, bundles carrying $0 copays on prescriptions, telehealth and behavioral health, high-deductible designs with first-dollar coverage, and combinations in between. If you’d like a look at your specific situation, you can reach us here.
Do you have people in more than one state?
Filings, premiums and PPO availability all change at the state line, so a census that crosses one gets priced state by state rather than on a national average. These are the states nearest Nevada, each with the same figures.
Arizona employer health plan costs · California employer health plan costs · Idaho employer health plan costs · Oregon employer health plan costs · Utah employer health plan costs
All 50 states and DC · PPO availability by county · Plain-English glossary
Where these Nevada numbers come from
Rate changes are the midpoint of what regulators approved for each insurer in Nevada, from the CMS rate review service, pulled November 1, 2026. All 20 Nevada filings for 2027 carry a final determination. County premiums are the lowest cost plan per metal level for a 40-year-old non-smoker before any subsidy, from the CMS marketplace plan and rate files for plan year 2026, covering all 17 Nevada counties.
The marketplace versus group cost comparison uses the 2026 average premium per member per month from the insurers’ own filings on both sides, weighted by enrollment. It is an average across each plan’s enrolled mix, not a same-metal, same-plan-type quote. Plan-type availability counts every marketplace plan filed in every Nevada county and asks whether any of them is a PPO or POS, because the split that matters is whether a doctor outside the network is covered at all. Off-marketplace plans are counted separately, at state level, from the insurers’ 2026 rate filings.
Nothing here is a quote.
