Medicare in Nevada: 2026 Plans, Costs, and Enrollment Guide
- 105 Medicare Advantage plans available statewide (Nevada: 17 counties; CMS 2026 Fact Sheet)
- 24 Medigap carriers offering Plan G (TPP rate database, CY2026)
- 10 standalone Part D plans in PDP Region 28 (Nevada and Arizona)
- Avg MA premium $1.06/mo in 2026 (was $4.85 in 2025) (CMS 2026 Fact Sheet)
- LIS benchmark: $16.95/mo (Region 28)
Nevada Medicare Snapshot
Nevada has 105 Medicare Advantage plans available statewide for 2026 (CMS 2026 Medicare MA & Part D Landscape State-by-State Fact Sheet), with the specific plans offered varying by county within Nevada’s 17 counties. Most Nevada Medigap policies are attained-age rated.
The average monthly MA premium in Nevada is $1.06 in 2026 (changed from $4.85 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
| Metric | Nevada 2026 | Source |
|---|---|---|
| MA plans available | 105 statewide (Nevada: 17 counties) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Avg MA premium | $1.06/mo (2025: $4.85) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Medigap carriers (Plan G) | 24 (most carriers use attained-age) | TPP internal data, CY2026 |
| HDG carriers | 18 (most carriers use attained-age) | TPP internal data, CY2026 |
| Standalone Part D plans | 10 (PDP Region 28 — Nevada and Arizona) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Part D LIS benchmark (Region 28) | $16.95/mo | CMS CY2026 Regional Rates & Benchmarks |
Plan Types Available in Nevada
Medicare Advantage (Part C)
Nevada offers 105 Medicare Advantage plans statewide for 2026 (CMS 2026 Fact Sheet). Top MA carriers include UnitedHealthcare, Aetna Medicare, and Humana. Check Medicare Plan Finder for per-plan star ratings in your county.
Medigap (Medicare Supplement)
Nevada uses the standard federal Medigap plan letters (A, B, C, D, F, G, K, L, M, N, plus HDG and HDF). 24 carriers offer Plan G in Nevada in the TPP rate database (CY2026, non-tobacco, ages 65–85). Plans C, F, and High-Deductible Plan F (HDF) are closed to anyone who first became Medicare-eligible on or after January 1, 2020 (under MACRA 2015); beneficiaries who were Medicare-eligible before that date may still buy Plans C, F, or HDF from carriers that continue to offer them. High-Deductible Plan G (HDG) is the post-2020 high-deductible Medigap option and is offered by 18 Nevada carriers.
Most Nevada Medigap policies are attained-age rated. See our MA vs Medigap comparison →
Standalone Part D (Prescription Drug Plans)
Nevada is in CMS PDP Region 28 (Nevada and Arizona). For 2026, there are 10 standalone PDP plans available (CMS 2026 Fact Sheet).
Costs in Nevada
Medicare Advantage Premiums
The average monthly MA premium in Nevada is $1.06 in 2026 (changed from $4.85 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
Medigap Premiums — Plan G and HDG
Most Nevada Medigap policies are attained-age rated. Across the 24 Nevada Plan G carriers (non-tobacco, ages 65–85), Plan G monthly premiums in 2026 range from approximately $153 to $700/month(TPP rate database, CY2026).
High-Deductible Plan G (HDG) is offered by 18 Nevada carriers; premiums range from approximately $136 to $1001/month(TPP rate database, CY2026). HDG works well for beneficiaries who want catastrophic protection at a lower monthly cost and can absorb the high-deductible amount (CMS’s 2026 Medigap high-deductible options notice publishes the current dollar figure).
Part D Costs and the LIS Benchmark
For 2026, Nevada (PDP Region 28 — Nevada and Arizona) has 10 standalone PDP plans (CMS 2026 Fact Sheet). The CMS Low Income Subsidy (LIS / Extra Help) benchmark premium for Region 28 is$16.95/month (CMS CY2026 Regional Rates and Benchmarks).
Nevada-Specific Medicare Rules
Nevada Medigap Birthday Rule (NRS §689A.460)
Nevada law gives current Medicare Supplement policyholders an annual no-underwriting open enrollment window around their birthday:
- Window: 60-day window starting on the policyholder\'s birthday.
- Eligibility: Nevada\'s rule applies to beneficiaries ages 65–80; you must already have a Medigap policy in force.
- Allowed switch: you can switch to the same lettered plan or a plan with lesser benefits with any Nevada-licensed Medigap insurer, without medical underwriting.
Effective: January 2022 (NRS §689A.460). Verify current rule terms with the the Nevada Aging and Disability Services Division before relying on details.
Medicare Savings Programs (MSPs)
Nevada offers Medicare Savings Programs (MSPs) through Nevada Medicaid (Division of Welfare and Supportive Services):
- QMB (Qualified Medicare Beneficiary): Covers Part A and Part B premiums, deductibles, and cost-sharing.
- SLMB (Specified Low-Income Medicare Beneficiary): Covers Part B premiums only.
- QI (Qualifying Individual): Also covers Part B premiums; subject to annual appropriations.
Apply through Nevada Medicaid (Division of Welfare and Supportive Services) or contact Nevada SHIP (1-800-307-4444) for free enrollment assistance. MSP enrollment also automatically qualifies you for Extra Help / LIS on Part D. Learn more about MSPs →
Nevada SHIP
Nevada SHIP is Nevada's federally designated State Health Insurance Assistance Program (SHIP). It provides free, unbiased Medicare counseling statewide through trained volunteers.
Phone: 1-800-307-4444
Website: adsd.nv.gov/Programs/Seniors/SHIP/
Enrolling in Medicare in Nevada
Standard Enrollment Periods
- Initial Enrollment Period (IEP): 7-month window centered on your 65th birthday month. Enroll at ssa.gov or call 1-800-772-1213.
- Annual Election Period (AEP): October 15 – December 7 each year.
- Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31.
- Federal 6-month Medigap OEP: Starts when you are 65+ and enrolled in Part B.
- Special Enrollment Periods (SEPs): Learn more →
Nevada SHIP Counseling
Contact Nevada SHIP at 1-800-307-4444 for free one-on-one Medicare guidance statewide.