Benchmark $497/mo · +22.3% approved · Nevada Health Link
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A 40-year-old it consultant in Nevada faces a benchmark premium of $497/month for 2026, up from $414 in 2025. That is 20% below the national benchmark of $625. Carriers were approved for an average increase of +22.3%.
Nevada runs its own exchange, Nevada Health Link, rather than healthcare.gov. CMS therefore excludes it from the Qualified Health Plan Landscape file that powers most of this site, so there is no public plan-by-county premium table for Nevada the way there is for Florida or Texas. What you get instead — approved rate changes, carrier concentration and the benchmark series — comes straight from state filings, and in some ways says more, because these are rates a regulator actually approved rather than rates an insurer filed.
Nevada is the rare case where approved rates came in above what carriers requested — a 17.5% average request became 22.3% approved. Two new carriers, CareSource and Community Care Health Plans, entered for 2026 while rates rose.
| Nevada — 2026 | Figure |
|---|---|
| Benchmark premium, age 40 (2026) | $497 |
| Benchmark premium, age 40 (2025) | $414 |
| Year-over-year change | +20.0% |
| Approved average rate increase | +22.3% |
| Versus the national benchmark ($625) | -20% |
| Rank among your 21 licensed states | 4 of 21 |
| Counties | 17 |
| Carriers on the exchange | 8 |
| Exchange | Nevada Health Link (state-run since 2020) |
| Carrier | Network | Members | 2026 approved |
|---|---|---|---|
| SilverSummit | — | 24,801 | +26.7% |
| Sierra Health & Life | — | 10,013 | +26.6% |
| Hometown Health Plan | — | 5,139 | +10.4% |
| Hometown Health Providers | — | 2,509 | +0.0% |
| Health Plan of Nevada | — | — | +20.7% |
| HMO Nevada | — | — | +25.7% |
| Molina Healthcare | — | 21 | -18.5% |
Eight carriers filed 140 qualified health plans for 2026, but Nevada is heavily concentrated in Clark and Washoe counties; the 15 rural counties have far less choice.
Sources: Nevada Division of Insurance 2026 approved rate filings; Nevada Health Link. KFF, “Marketplace Average Benchmark Premiums,” 2026. Benchmark is the second-lowest-cost Silver plan for a 40-year-old, weighted by plan selections.
Low claim volume and a younger buyer usually favor a high-deductible plan paired with an HSA.
Occupational context: Repetitive stress; irregular hours during deployments.
None of that changes your price. Plans in Nevada are community rated — premium varies by age, ZIP code, tobacco use and household size only. Occupation cannot be used to rate, decline or exclude you.
Ranked on the benchmark premium, the one measure published on the same basis for every state. Cheaper: Maryland ($414), Virginia ($455), Indiana ($474). More expensive: Ohio ($513), Michigan ($523), Colorado ($557).
You buy where you live, not where you work, so treat this as context rather than a shopping list. A genuine move does open a special enrollment period.
Expense categories that typically apply to this trade: Hardware, certifications, software, home office. Health premiums are generally deductible above the line under IRC §162(l) when no employer plan is available to you or a spouse. The deduction lowers your AGI, and AGI sets your premium tax credit, so the two calculate against each other — worth raising with your CPA before you enroll rather than after.
Open enrollment on Nevada Health Link runs from 1 November to mid-January for a 1 January start. Outside that window you need a qualifying life event — losing job coverage, moving, marriage, or a birth.
The 2026 benchmark premium in Nevada is $497 per month for a 40-year-old, up from $414 in 2025. That is full price before premium tax credits; most buyers pay less after subsidies.
Carriers in Nevada were approved for an average increase of 22.3%. Filings across the country cited the expiry of the enhanced federal premium tax credits at the end of 2025, rising medical and drug costs, and expectations that healthier people would drop coverage.
No. Exchange plans are guaranteed issue and community rated. Price varies only by age, ZIP code, tobacco use and household size. Occupation is not a rating factor.
No. Nevada runs its own exchange, Nevada Health Link, state-operated since 2020. You enrolll there rather than on healthcare.gov.
Above the cliff. At this income a single-person household receives no premium tax credit for 2026 and pays the full premium.
This occupation is above the cliff in all 21 states reported.
What this figure is. It is the median annual wage BLS reports for Computer Systems Analysts (SOC 15-1211) in Nevada. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed it consultant. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.
This page compares states. For Nevada specifically — county-level carriers and enrollment help — I publish that on Coverage by County, including a page written for IT Consultants in Nevada and a blog covering deductibles, subsidies and special enrollment.
Nevada runs its own marketplace rather than healthcare.gov, so 2027 plan and rate detail arrives on the state’s timetable, not in the federal files most comparison sites reprint. For an it consultant that makes national round-ups the least reliable place to look.
On price the only honest number today is national: the Peterson-KFF read of 2027 filings puts the median proposed rise near 15%, spanning −1% to 54%. Final Nevada rates are not approved, so any precise 2027 figure quoted for this state is guesswork.
Enrollment opens November 1, 2026. Treat December 15 as the deadline: it guarantees January 1 cover on every marketplace, Nevada included. Conflicting end dates get quoted because a 2025 rule shortened the window and a court vacated it in June 2026, appeal pending — enrol by the 15th and the argument is irrelevant to you.
Nevada publishes its 2027 plan data on its own schedule rather than in the federal files, so the earlier you get a read on your options the less you are relying on national summaries that may not apply here.
Give me a ZIP and I will tell you three things:
Rates for IT Consultants in Nevada are set by county, not by occupation. Start with your ZIP and I will show you the plans actually filed where you live.