Benchmark $497/mo · +22.3% approved · Nevada Health Link
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A 40-year-old roofer 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%.
There is no CMS plan-level file for Nevada, because Nevada operates Nevada Health Link instead of healthcare.gov and its issuers file with the state rather than through the federal platform. That is a real gap in the public data, and it is the reason this page leads with approved rate changes and market concentration rather than a county premium grid.
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.
Injury exposure makes the out-of-pocket maximum, not the premium, the number that decides a bad year.
Occupational context: One of the highest fall-fatality rates of any US trade; heat illness.
This is background for choosing a plan, not for pricing one. Every Nevada exchange plan is guaranteed issue and community rated: same age, same ZIP, same tobacco status means the same premium whether you are a roofer or an accountant.
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: Tools, truck, fall-protection gear, liability insurance. 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.
8 carriers offer individual plans on Nevada Health Link for 2026: Ambetter from SilverSummit, Anthem Blue Cross Blue Shield, CareSource, Health Plan of Nevada, Hometown Health, Imperial Insurance Companies, Molina Healthcare, Select Health. Availability varies by county.
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.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.
This occupation sits above the cliff in 1 of the 21 states reported and below it in the other 20, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Roofers (SOC 47-2181) 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 roofer. 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 Roofers in Nevada and a blog covering deductibles, subsidies and special enrollment.
Because Nevada operates a state-based exchange, its 2027 data is published separately from the federal landscape files. If you are a roofer here, the national summaries are usually either late or simply wrong about this state.
Nobody can tell you your 2027 Nevada premium yet. Filings nationally cluster around a 15% median increase, with the full spread running −1% to 54% — and until this state signs off, a specific local number is invention.
Mark November 1, 2026 to open and December 15 to act. That second date guarantees cover from January 1 in Nevada regardless of how the current litigation over the enrollment window resolves.
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:
The sticker price is rarely what Roofers in Nevada end up paying. Start with a ZIP and I will work out your actual number.