Nevada
Cheapest ACA plans in Gardnerville, Nevada for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Gardnerville is in Douglas County, Nevada. 6 carriers sell 2026 ACA plans on Nevada Health Link for residents of Douglas County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $502/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Douglas County, including Gardnerville.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Gardnerville (Douglas County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Douglas County |
|---|---|---|
| Catastrophic | $434 | 1 |
| Bronze | $502 | 1 |
| Expanded Bronze | $571 | 14 |
| Silver | $635 | 24 |
| Gold | $867 | 17 |
The actual cheapest Bronze plan in Gardnerville
Hometown Health Plan Inc. 26 IFP Renown Bronze HMO
$502/moFor a family of four (two 40-year-olds and two kids under 14): Hometown Health Plan Inc. 26 IFP Renown Bronze HMO at $1,606/month before subsidies.
Carriers selling 2026 plans in Gardnerville
6 carriers sell 2026 plans on Nevada Health Link for Douglas County residents; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 77 plans total in Douglas County.
| Carrier | On-exchange plans |
|---|---|
| SilverSummit Healthplan Inc. | 21 |
| CareSource Nevada Co. | 17 |
| Hometown Health Plan Inc. | 10 |
| Community Care Health Plan of Nevada, Inc | 5 |
| Health Plan of Nevada, Inc. | 3 |
| HMO Colorado, Inc. dba HMO Nevada | 1 |
Also selling off-exchange only
These carriers sell plans directly (not through Nevada Health Link). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| Hometown Health Providers Insurance Company | 8 |
What you'll actually pay in Gardnerville
Estimated monthly net premium for the cheapest Bronze plan above ($502/mo before subsidy) on Nevada Health Link, after federal APTC. APTC is computed against the Douglas Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $544/mo | $0/mo |
| $40,000 | 256% | $354/mo | $148/mo |
| $60,000 | 383% | $143/mo | $359/mo |
| $100,000 | 639% | — | $502/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $1,490/mo | $116/mo |
| $130,000 | 404% | — | $1,606/mo |
| $200,000 | 622% | — | $1,606/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Gardnerville, Nevada for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Hometown Health Plan Inc. 26 IFP Renown Bronze HMO at $502 per month before subsidies. Plans sell through Nevada Health Link. Gardnerville is in Douglas County, Nevada; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Gardnerville's 2026 ACA pricing compare to other Nevada cities?
Cheapest Bronze for a 40-year-old in Gardnerville is $502 per month before subsidies. For comparison: Las Vegas at $377/mo; Henderson at $377/mo; Reno at $391/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Is Nevada on Healthcare.gov?
No. Nevada runs its own state-based exchange, Nevada Health Link, operated by the Silver State Health Insurance Exchange Board. Nevada used Healthcare.gov from 2014 through 2019, then launched its own technology platform for PY2020 and has run as a full SBE since. Healthcare.gov does not serve Nevada.
Has Nevada expanded Medicaid?
Yes, effective January 1, 2014. Adults 19-64 up to 138% FPL qualify regardless of parental status or disability, so there is no coverage gap in Nevada.
Why does so much of the Nevada Marketplace sit in Clark County?
Roughly 90% of Nevada Marketplace enrollees live in Clark County (Las Vegas metro), reflecting the state's population distribution. Washoe County (Reno) is the other large pool; the balance is spread across rural counties where plan options are usually thinner.
More Nevada pricing
- Statewide Nevada pricing and metal tiers
- Las Vegas pricingcheapest Bronze $377/mo
- Henderson pricingcheapest Bronze $377/mo
- Reno pricingcheapest Bronze $391/mo
Sources
- Nevada Health Link for SBE enrollment, OEP dates, and APTC application.
- Nevada Division of Insurance for rate review, carrier filings, and consumer guidance.
- Nevada Department of Health and Human Services: Medicaid for Nevada Medicaid and Check Up eligibility.
- KFF: Nevada State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.