Nevada Health Insurance Rates for 2027: What Every Carrier Asked For

By Mary Jones, licensed independent broker, Henderson. Last reviewed September 18, 2026.

Health Plan of Nevada asked the state for a 21.73% increase on its 2027 individual plans, and that request covers 44,110 people.

It is a request. It is not a bill.

I've watched this process from Henderson for over a decade, and it runs the same way every year. Carriers file what they want over the summer. The Division of Insurance spends weeks pushing back or signing off, and the approved numbers post at the start of October. If a rate headline has crossed your phone this month, what you saw was the ask.

Short version, for anyone with one minute: Nevada carriers asked for an average increase of about 17.1% on 2027 individual plans, and the individual asks run from 3.1% all the way to 25.7%. All eight carriers on Nevada Health Link filed to come back.

Nothing is final until the Division posts approved rates. I'll update this page the day that happens.

One disclosure, up top where it belongs. Carriers pay me when someone enrolls through me, and the premium is the same whether I'm involved or not. None of that touches what the Division approves.

What each Nevada carrier asked for

These come from the carriers' own 2027 filings, compiled in late August by Charles Gaba at ACA Signups. Two of Anthem's three filings are blacked out. That's their right and my annoyance.

Now look inside Health Plan of Nevada alone. Ten percent on one plan. Nearly thirty-eight on another. An average hides that, and two neighbors on HPN could open very different renewal letters in the same week.

The lowest ask on the list belongs to Hometown Health, which is Renown's plan, and its network is strongest around Reno. That 3.1% won't do much for a family in Green Valley.

Small-group plans are the quieter story. Carriers there asked for about 12% on average, and those approved plans show up on the Division's site in early October too.

An ask is not an answer

Last summer the ask was 17.5%.

By October the approved increases ran from 13.8% to 30.5%, carrier by carrier, on Nevada Health Link, and most came in above the ask. Carriers revised upward during review. The Division signed off. I wrote about how that year played out in Nevada Health Insurance Rates 2026.

So I'm not going to tell you 17.1% is what's coming.

It could land lower. Last year it landed higher. Anyone quoting a 2027 price this week is guessing, and that includes me.

What the ask does show is direction and spread. Direction: up, again. Spread: wide. A 3.1% carrier and a 25.7% carrier will both be selling in this state next year, so staying put and looking around could turn out to be two very different prices.

Is any carrier leaving Nevada for 2027?

No. Not as of this week.

Cigna is quitting the individual market in 2027. True. About 369,000 people across 11 states have to find new coverage. Nevada isn't one of them. Cigna doesn't sell individual plans here.

Nevada took its carrier hit a year ago, when Aetna left after 2025. For 2027, all eight Nevada Health Link carriers filed to return: Health Plan of Nevada, SilverSummit, Anthem, SelectHealth, Hometown Health, Molina, Imperial, CareSource. A filing is not a promise, and carriers have walked after filing before. Nobody has this year. If that changes, this page changes the same day.

Battle Born State Plans are in the 2027 filings too. One in ten Nevada Health Link enrollees picked one in 2026, their first year on the shelf.

If someone in your family is on a Cigna plan in Texas or Florida, or any of the other nine states, that's a different conversation and a more urgent one. Call me and we'll find out whether I'm licensed where they live.

Why the asks are this big

Fewer people are in the pool.

Enrollment through Nevada Health Link has dropped 12.5% since January, according to the Nevada Independent, more than double the drop-off the state saw a year earlier. The enhanced federal subsidies ended December 31. Bills went up. The first people to walk away were the ones who felt healthy enough to risk it.

I wrote about that stampede in June: The Market Panicked in 2026. You Don't Have To.

Carriers price for who's left. Health Plan of Nevada says as much in its own filing, which pins part of the increase on healthier members leaving the market. Add hospital prices and drug costs. Add more people using more care.

HPN paid out 93 cents of every premium dollar in claims last year. Sierra paid 96. Nobody is getting rich on Nevada's individual market right now, and that's the unglamorous reason the asks look the way they do.

What an ask does to a bill with a tax credit on it

Roughly eight in ten Nevada Health Link enrollees still get a federal tax credit. If that's your household, the sticker increase is not your increase. Your share is tied to your income and to the price of the benchmark silver plan in your county, so a carrier's 21% can shrink to a much smaller change in what leaves your checking account. Or grow, if the benchmark moves under you.

Over 400% of the poverty level, there's no credit to soften anything. The cliff came back this year. You feel the whole number. I wrote a playbook for exactly that situation, and the moves in it still work.

Either way, the premium is one line on the page. The federal ceiling on what a plan can make one person pay out of pocket in a year rises from $10,600 to $12,000 in 2027. Plans don't have to go that high. Some will. That's the line I'd read first.

What I'm doing between now and October

Watching. That's the honest answer.

When the Division posts approved rates, this table gets a second column: the ask next to the answer, carrier by carrier. If a carrier pulls out, it shows up here first. And if your plan sits at the 37% end of HPN's range, the filing already says so, and I'd rather you hear that from me in September than from a renewal letter in November.

Want to know where your plan sits inside its carrier's range? Call me at (702) 379-9084 or book a time. Fifteen minutes. No cost. Not sure what you'd qualify for next year at all? Find My Coverage takes a couple of minutes.

Seventeen percent is a headline. Your plan has its own number, and it's already sitting in a filing.

Quick answers

How much are Nevada health insurance rates going up in 2027? Carriers asked for an average of about 17.1% on individual plans and about 12% on small-group plans. Those are proposed rates. The Nevada Division of Insurance posts approved rates at the start of October, and last year most approved increases came in above the ask.

Which Nevada carrier asked for the biggest increase? CareSource at 25.7% and Imperial at 25.52%, though both cover few people. Among the large carriers, Health Plan of Nevada asked for 21.73% and SilverSummit for 20.4%. Hometown Health asked for the least, 3.1%.

Is Cigna leaving Nevada? Cigna is leaving the individual market in 11 states for 2027. Nevada isn't one of them, because Cigna doesn't sell individual plans here.

Will my premium rise by the same percentage as my carrier's average? Probably not. Increases vary by plan and by age, and county matters too. If you get a tax credit, your share depends on your income and your county's benchmark plan.

Sources: carrier rate filings as compiled by ACA Signups; Nevada Division of Insurance; Nevada Independent; CMS rate review, Nevada 2026 filings; STAT; CMS 2027 payment notice.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact HealthCare.gov to get information on all of your options. This article is general information, not legal, tax, or financial advice. Mary Jones, Jones True Insurance Solutions, Henderson, NV. NPN #20192176.