2026 Health Insurance Rates in Reno
The table below shows estimated monthly premiums for a 40-year-old non-smoker in Reno before ACA subsidies. Your actual cost depends on age, household size, and income.
| Metal Tier | Est. Premium (age 40) | After Avg. Subsidy | Deductible | Best For |
|---|---|---|---|---|
| Bronze | $301/mo | ~$155/mo | $7,000–$9,000 | Healthy, low-use individuals |
| Silver | $418/mo | ~$272/mo | $4,200–$5,200 | Most families (best subsidy value) |
| Gold | $502/mo | ~$356/mo | $1,500–$3,000 | Frequent medical users |
| Platinum | $585/mo | ~$439/mo | $0–$500 | High medical needs |
*Rates are estimates for a 40-year-old non-smoker. Actual premiums vary by zip code, age, and tobacco status. Use our subsidy calculator for a personalized estimate.
Open Enrollment 2027 in Reno
Open enrollment for 2027 coverage runs November 1, 2026 – January 15, 2027. Outside that window, Reno residents need a qualifying life event to buy or switch a marketplace plan.
| 2027 Open Enrollment | Date |
|---|---|
| Open Enrollment opens | November 1, 2026 |
| Last day to enroll for coverage starting January 1 | December 15, 2026 |
| Open Enrollment closes (coverage starts February 1) | January 15, 2027 |
Most Reno residents live in Washoe County, where plan choices and prices are set by county and ZIP code. Nevada runs its own marketplace, Nevada Health Link, so you enroll there rather than on HealthCare.gov. The dates above are the standard federal dates; Nevada Health Link sets its own deadlines, so confirm them on its site or see 2027 deadlines by state.
What changes for Reno enrollees in 2027
- Smaller credits, and a cliff at 400%. With the enhanced credits gone, a single adult in Reno earning $35,000 is expected to pay about $219/mo toward the benchmark Silver plan in 2027 (credit $199/mo). Earn over $63,840 and there is no credit at all, so at today's $418 benchmark you would pay full price — see what else changed.
- Compare before you renew. If you do nothing you are usually re-enrolled, but UnitedHealthcare and other Reno carriers can change premiums, networks and drug lists for 2027. Shop again before December 15, and update your 2027 income estimate so you are not repaying credit at tax time.
- Medicaid: Nevada expanded Medicaid, so adults earning up to 138% of the poverty level — about $22,025 a year for a single adult in 2026 — usually qualify for Medicaid instead of a marketplace plan, and can apply any time of year.
Before you pick a Reno plan
- Carriers: companies that have sold marketplace plans in Reno include UnitedHealthcare, Oscar Health and Nevada Health CO-OP; the 2027 lineup is confirmed when plans post on November 1.
- Total yearly cost: add 12 months of premium to the deductible and copays you expect — use our printable comparison worksheet.
Free help enrolling in Reno
A licensed TrustedQuotes agent can compare every Reno plan, check your doctors and prescriptions, and estimate your 2027 credit at no cost to you — call (954) 805-7882. If you prefer, free in-person help is listed by Nevada Health Link.
More for Nevada: Nevada Open Enrollment 2027 Nevada marketplace plans 2027 Open Enrollment guide Health insurance in Henderson Health insurance in Las Vegas
Top Health Insurance Companies in Reno
These carriers offer ACA marketplace plans in the Reno area for 2026. Network size and plan availability vary by zip code. The 2027 lineup is confirmed when plans post on November 1.
| Carrier | Best For | Network Type | Rating |
|---|---|---|---|
| UnitedHealthcare | Broad network access | PPO / HMO options | ⭐ 4.5/5 |
| Oscar Health | Low premiums | HMO | ⭐ 4.2/5 |
| Nevada Health CO-OP | Digital-first experience | EPO / HMO | ⭐ 4.0/5 |
Not sure which carrier to choose? See our full Nevada carrier comparison →
2027 ACA Subsidies for Reno Residents
If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you qualify for an Advanced Premium Tax Credit (APTC) that reduces your monthly premium. Here's what that looks like for a single adult in Reno:
| Single adult income | % of poverty level | Your 2027 share | Est. tax credit | Benchmark Silver after credit |
|---|---|---|---|---|
| $25,000 | 157% | 4.63% of income ($96/mo) | $322/mo | $96/mo |
| $35,000 | 219% | 7.51% of income ($219/mo) | $199/mo | $219/mo |
| $45,000 | 282% | 9.66% of income ($362/mo) | $56/mo | $362/mo |
| $55,000 | 345% | 10.22% of income ($468/mo) | $0/mo | $418/mo |
| $65,000 | 407% | No credit above 400% | $0 | $418/mo |
Uses this page's current Silver estimate ($418/mo, age 40) and the IRS 2027 contribution percentages (Rev. Proc. 2026-26). The enhanced credits that made $0 Silver plans common expired after 2025.
Use our ACA Subsidy Calculator to get a personalized estimate based on your exact income and household size.
How to Get Health Insurance in Reno
- Check your subsidy eligibility — Use our calculator to estimate your savings
- Get a free quote — Compare all available Reno plans side by side
- Review your options — A licensed broker reviews your quote and answers questions
- Enroll — Apply online in minutes during Open Enrollment (Nov 1, 2026 – Jan 15, 2027) or if you have a Special Enrollment Period
Questions about SEPs or missing open enrollment? Learn about enrolling outside open enrollment →
Frequently Asked Questions
When is open enrollment in Reno for 2027?
For 2027 coverage, open enrollment runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1; sign-ups after that start February 1.
Where do Reno residents sign up for 2027 health insurance?
Nevada runs its own marketplace, Nevada Health Link, so Reno residents enroll there (it sets its own deadlines) or through a licensed broker such as TrustedQuotes, at no extra cost.
Can I still get a subsidy in Reno in 2027?
Yes, if your household income is between 100% and 400% of the poverty level — up to $63,840 for a single adult. The extra subsidies that removed the 400% cap expired after 2025, so above that line there is generally no premium tax credit.
What is the cheapest health insurance in Reno?
Bronze plans start around $301/month for a 40-year-old before subsidies. With an ACA subsidy, many Reno residents pay $0–$120/month for a Bronze plan depending on income.
Do I need a Nevada health insurance broker?
You can enroll directly on HealthCare.gov, but a licensed broker is free to use and can help you compare all available plans, verify your subsidy, and ensure you pick the right network for your doctors.
When can I sign up for health insurance in Reno?
For 2027 coverage, Open Enrollment runs November 1, 2026 – January 15, 2027; enroll by December 15 for coverage starting January 1. Outside that window, you need a qualifying life event (job loss, marriage, baby, moving) to trigger a Special Enrollment Period. See 2027 Open Enrollment dates →
What if I miss Open Enrollment in Reno?
If you miss Open Enrollment without a qualifying event, you may be able to get short-term health insurance as a temporary bridge. Contact us to explore your options.
Explore More Nevada Resources
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