Is it cheaper to get health insurance as a couple or an individual?

Generally, health insurance for a couple can be more cost-effective than purchasing two individual plans. Many insurers offer discounted rates for couples and families, spreading the cost of coverage across multiple members, which can reduce the per-person premium. Additionally, couples may benefit from shared deductibles and out-of-pocket maximums, further lowering overall healthcare expenses. However, the exact cost difference depends on various factors, including the insurance provider, plan type, and specific health needs of the individuals.

Individual & Family Health Insurance Plans In Nevada

Q: How much do most Nevada families pay monthly for health insurance?

Most Nevada families pay around $1,300 to $1,500 per month for health insurance, depending on factors like the number of family members, the chosen plan, and the coverage level. Premiums can vary significantly based on whether the family qualifies for subsidies or tax credits under the Affordable Care Act, which can lower the overall cost. Additionally, family plans with higher deductibles generally have lower monthly premiums but may result in higher out-of-pocket costs.

Q: What is the average monthly cost of health insurance for a single person in Nevada?

The average monthly cost of health insurance for a single person in Nevada is approximately $450 to $550. This amount can fluctuate based on factors such as age, health status, and the selected plan's coverage level. Premiums may be lower for younger individuals and higher for older adults, reflecting the increased risk of health issues as one ages. Subsidies and tax credits available through the health insurance marketplace can also affect the final premium cost for eligible individuals.

Choose from individual & family health insurance plans with options for every stage of life. We want you to enjoy quality coverage alongside true peace of mind.

Get Started

Individual & Family Health Insurance Plans In Nevada

Nevada Health Insurance Coverage – Senior Insurance Agency

Our insurance experts help Nevada residents find healthcare options for their specific needs.

Schedule Meeting

Why Do You Need Health Coverage Insurance?

Learn More

Plan For The Unexpected

Serious accidents and chronic illnesses can come with hefty medical bills. You need a good health insurance plan to ensure you’re financially protected, no matter what comes your way.

Keep Costs Manageable

Our Reno health insurance experts will help you find a health insurance plan that fits your budget and healthcare needs. Health insurance keeps costs for outpatient visits and preventative care manageable.

Support Your Family’s Health

Your health insurance plan shouldn’t just protect you — it should protect your entire family. We offer a wide range of family health insurance plans in Nevada, tailored to meet different families’ needs and preferences.

Types of Health Insurance Plans in Reno

Individual Health Insurance

Our local health insurance agents are here to help you find high-quality, cost-effective health insurance plans. This includes a variety of individual health insurance plans that are ideal for single Nevada residents.

Family Health Insurance

Work with our health insurance agents in Reno, NV to find a family insurance plan that meets your needs. Family health insurance plans provide coverage for you, your spouse, and your dependents.

How We Help You to Find a Nevada Individual Health Insurance Plan

With so many individual health insurance plans in Nevada to choose from, selecting a policy can be overwhelming.

At our insurance agency in Reno, NV, we’ll get to know you and recommend healthcare plans that suit your specific needs. We’ll assess your budget, as well as your current healthcare needs, and answer your questions as we go.

Rated 5 out of 5 on Google Reviews.

Outstanding!!! Love working with Robbie at Senior Insurance Agency. He always goes over and above!

Se’Leah Schultz was great to work with. Helped me get out of an overpriced health insurance policy and into one more tailored to me and my needs. She is very professional and knowledgeable. Highly recommend for anyone looking for a personal health insurance policy.

Extremely knowledgeable agents who are on top of all of the Medicare requirements relative to Part B, Part D and the Medicare Supplements. I have complete faith in their ability to find the best coverage based on my needs and finances.

Senior Insurance Agency agents are friendly, helpful and timely. They’re a pleasure to work with!

My husband and I have been working with Jason Casey for over five years. His knowledge and expertise have been invaluable to us in making decisions regarding our medical insurance. We would not want to navigate these complicated and obtuse plans without him. We highly recommend using Jason and Senior Insurance Agency.

Alex is very knowledgeable, professional, prompt, and friendly. He very quickly put together my new Medicare supplement insurance and drug plans for the 2025 calendar year. I am very pleased with the new plans and with my professional relationship with Alex. I strongly recommend him and Senior Insurance Agency to anyone who needs Medicare supplemental insurance and drug plans.

Aliana has been serving me and my husband for several years now. We are always so thankful for her knowledge, reliability, support, kindness and sense of humor. She has gone beyond the call of duty for us on more than one occasion. We have her review our plan every year. If she doesn’t have an answer for our questions (which is rare!), she gets right back to us after she finds out.

Staying with Chanté Padilla is the best decision we’ve made regarding health insurance. She has lifted off our shoulders, the burden and anxiety of figuring out what is the best plan and provider that would fit our needs and likewise, within our budget, as well. Chanté, for your customer service above par, we highly appreciate and sincerely thank you.

Excellent service absolutely the best agent I’ve ever had.

You all are the best! You answer questions and address concerns very fast. I appreciate all you do for me.

I’m a happy customer for 15+ years… getting even more happy as Senior Insurance professionally helps me navigate increasingly complex decisions.

Read All Google Reviews

Why Choose Us?

Our experienced health insurance agents in Reno, NV take a caring, responsive approach that’s tailored to your needs. We are highly responsive and take the time to address your questions and concerns throughout the process.

Our agency also values transparency — we’ll never push you into a plan. When you need health insurance in Sparks, Nevada, we’re here to provide guidance and support throughout your decision-making process.

Frequently Asked Questions

Couples may benefit from shared deductibles and out-of-pocket maximums, further lowering overall healthcare expenses. However, the exact cost difference depends on various factors, including the insurance provider, plan type, and specific health needs of the individuals.

Premiums depend on factors like the number of family members, the chosen plan, the coverage level and annual income. Premiums can vary significantly based on whether the family qualifies for subsidies or tax credits under the Affordable Care Act, which can lower the overall cost.

Additionally, family plans with higher deductibles generally have lower monthly premiums but may result in higher out-of-pocket costs.

Premiums can fluctuate based on factors such as age, income, and the selected plan’s coverage level.

Premiums may be lower for younger individuals and higher for older adults, reflecting the increased risk of health issues as one ages. Subsidies and tax credits available through the health insurance marketplace can also affect the final premium cost for eligible individuals.

Family health insurance plans cover the entire family, providing a single policy under which all members are insured. These plans typically include coverage for spouses, children, and sometimes other dependents.

They also usually offer benefits such as shared deductibles and out-of-pocket maximums, making them a convenient and often more affordable option compared to purchasing individual plans for each family member.

Family plans can be obtained through employers, the health insurance marketplace, or private insurers, with various coverage levels and premium options to fit different needs and budgets.

Get in Touch with Us Today

Call us direct: (775) 829-9600

[contact-form-7 id=”e93cce1″ title=”Contact” html_id=”contact-form”]