What are the average healthcare costs in Nevada?

1 min read by Unbiased team Last updated June 28, 2024

Discover more about healthcare costs in Nevada, from insurance premiums to long-term care expenses, and learn how to manage them effectively.


  • Nevada residents pay an average monthly health insurance premium of $387 for benchmark plans without premium tax credits. 

  • Healthcare costs in Nevada vary widely, with a typical doctor visit ranging from $90 to $137 and emergency room visits from $500 to over $2,000. 

  • Long-term care costs in Nevada, including assisted living and nursing homes, are higher than the national average. 

How much are insurance premiums in Nevada? 

Nevada residents can expect to pay an average monthly health insurance premium for benchmark plans without premium tax credits of $387 per person.  

In contrast, family plans typically cost between $800 and $1,500 per month.  

These figures can vary widely depending on factors such as age, health status, and the specific healthcare of Nevada providers. 

Nevada's insurance premiums are relatively moderate compared to national averages. In 2024, the average national monthly health insurance cost for one person on an Affordable Care Act (ACA) plan without premium tax credits was $477.

How do healthcare costs compare in Nevada? 

Nevada healthcare costs include a wide range of services, from routine doctor visits to emergency care and hospital stays.  

For instance, a typical doctor visit might cost between $90 and $137, while an emergency room visit can range from $500 to over $2,000, depending on the severity of the issue. 

Location within the state significantly influences these costs.  

Urban areas like Las Vegas or Reno generally have higher healthcare costs due to higher living expenses and greater demand for services, often associated with the best healthcare in Nevada.  

In comparison, rural areas might offer more affordable options, albeit with potentially limited access to specialized care. 

Healthcare costs in Nevada are generally competitive compared to surrounding states. The cost of a doctor's visit in Nevada is lower than in California, but it's slightly higher than in Arizona and Utah. 

What are the long-term care costs in Nevada? 

Long-term care costs in Nevada are a critical consideration for aging individuals or those with chronic health conditions.  

In Nevada, the cost of senior care is higher than the national average.  

The average cost of assisted living is $5,000 per month. This cost varies based on the required level of care and location. It ranges from $4,523 per month in Las Vegas to $5,904 in Carson City.  

Nursing homes are significantly more expensive, costing nearly 130% more than assisted living facilities. On average, a semi-private room costs $10,205 per month, and a private room costs $12,395, with prices varying across the state. 

Planning for long-term care is essential, as the costs of healthcare in Nevada can quickly deplete savings if not anticipated. To mitigate these potentially overwhelming costs, it's advisable to explore long-term care insurance and other financial planning tools.  

What are the healthcare costs for individuals vs. families in Nevada? 

Healthcare costs in Nevada for individuals and families differ significantly based on the type of plan and coverage level.  

Individuals typically pay lower premiums than families, with average premiums ranging from $250 to $700 per month. Families pay higher premiums, ranging from $600 to $2,000 per month. 

Individuals typically have lower deductibles than families, with the average annual deductible being $1,770. Families have higher deductibles, ranging from $2,000 to $10,000. 

Individuals typically have lower out-of-pocket maximums than families, with average out-of-pocket maximums ranging from $2,000 to $5,000. Families have higher out-of-pocket maximums, ranging from $4,000 to $10,000. 

To minimize healthcare expenses, individuals can consider high-deductible plans with lower premiums, while families can consider plans with higher premiums but lower deductibles and out-of-pocket maximums. 

What are the common medical visits and their costs in Nevada? 

An annual physical in Nevada typically costs $400. The cost of a routine dental cleaning could range from $75 to $200, while eye exams cost between $120 and $190.  

Nevada's costs for these routine visits are fairly competitive compared to those of nearby states.  

For example, these services might be slightly more expensive in California due to higher living costs, while they might be somewhat lower in Utah or Arizona. 

How do you manage healthcare expenses in Nevada? 

Managing healthcare costs in Nevada requires a proactive approach.  

Here are practical tips: 

  • Choose the right insurance plan: Assess your needs and compare plans from different healthcare companies in Nevada, considering premiums and out-of-pocket costs.  

  • Use Health Savings Accounts (HSAs): For high-deductible plans, HSAs offer tax benefits and help save for future medical expenses. 

  • Negotiate medical bills: Healthcare providers may offer payment plans or discounts. 

  • Find affordable healthcare services: Community health clinics offer income-based services. 

  • Understand insurance benefits: Know your coverage to avoid surprises and utilize preventive services for early detection. 

Get expert financial advice 

Navigating healthcare costs in Nevada requires an understanding of insurance premiums, medical visit expenses, and long-term care costs. By exploring the factors influencing these expenses and implementing proactive strategies, you can effectively manage your healthcare expenses and secure your financial well-being in the face of rising healthcare costs. 

Unbiased will connect you with a financial advisor for expert financial advice to optimize your healthcare spending strategy. 


Unbiased team

Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.