Medicare Advantage Plans in Nevada 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Nevada has high Medicare Advantage penetration, with roughly 58 percent of beneficiaries in private plans. Las Vegas and Henderson have among the most competitive markets in the West, with 30 or more plan options each year. Reno has solid options as well. Rural Nevada counties have very limited availability.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Nevada.
Rural Coverage Note
Parts of Nevada have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Nevada Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Nevada
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Nevada
Nevada's Medigap market is active in Las Vegas and Reno, where the concentration of Medicare beneficiaries keeps insurer competition strong and pricing competitive. Rural Nevada has fewer options.