Benchmark $497/mo · +22.3% approved · Nevada Health Link
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A 40-year-old videographer 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 23 licensed states | 4 of 23 |
| 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.
Work that crosses county lines makes network geography the binding constraint, not monthly cost.
Occupational context: Heavy gear lifting; location and travel exposure.
To be clear about what this does and does not affect: a Nevada carrier cannot ask your occupation, cannot charge a videographer more than anyone else of the same age in the same ZIP, and cannot exclude a condition you already have. Occupation only tells you which plan structure to shop for.
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: Cameras, drones, editing suite, vehicle, 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.
The BLS median wage for Film and Video Editors in Nevada is $59,990 a year (May 2024). Starting pay — the 10th percentile — is about $46,650. The middle half earn $57,740 to $76,830, and the top 10% more than $109,990. BLS counts about 390 people doing this work for an employer in Nevada. The self-employed are not in the BLS survey, so this is the going rate for the work, not your own number.
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.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2027.
This occupation sits above the cliff in 3 of the 23 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 Film and Video Editors (SOC 27-4032) 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 videographer. 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 2027 the 400% FPL limit applies again, so household income above $63,840 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 Videographers 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 videographer here, the national summaries are usually either late or simply wrong about this state.
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.
The window opens November 1, 2026, and December 15 is the date worth writing down — it is what secures January 1 cover in Nevada and everywhere else. You will find later dates quoted; they stem from a 2025 rule that was vacated in June 2026 and is under appeal.
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.
Enter a ZIP and a licensed agent will tell you three things:
There is no single Nevada price. Enter your ZIP and a licensed agent will pull what is filed in your county, then work out what help you qualify for.
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