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Individual & Family Health Plans · Imperial Insurance Companies, Inc.

Individual & Family plans
in Clark County.

Imperial Insurance Companies, Inc. offers Individual & Family HMO plans through the ACA Marketplace for residents of Clark County, Nevada. Plans are offered both On Exchange (through Healthcare.gov) and Off Exchange (direct enrollment). Schedule of Benefits documents are the same across all Nevada counties and are listed below.

Compare & Enroll on Exchange → View 2026 Plans View 2027 Plans

Available plans in Clark County, Nevada

Imperial Insurance Companies, Inc. offers five plan families across Bronze, Silver, and Gold tiers for residents of Clark County. Each plan family is available On Exchange (through Healthcare.gov or a certified enrollment partner, where subsidies can be applied) and Off Exchange (direct enrollment, no subsidy). Silver plans also include Cost-Sharing Reduction (CSR) variants for qualifying households.

Select the Schedule of Benefits link for the specific plan variant to see cost-sharing, deductibles, and covered services. Select the Summary of Benefits and Coverage link to see the complete Evidence of Coverage (policy document) for your plan family.

On Exchange vs. Off Exchange

On Exchange plans are sold through Healthcare.gov or a certified enrollment partner. Premium tax credits (subsidies) and Cost-Sharing Reductions can only be applied to On Exchange plans. If you expect to qualify for financial assistance, choose an On Exchange plan.
Off Exchange plans are purchased directly from Imperial Insurance Companies, Inc. without going through Healthcare.gov. Benefits and networks are comparable, but subsidies cannot be applied. Off Exchange plans may suit members who do not qualify for subsidies and prefer a direct relationship.

Bronze

Lower monthly premium

Higher deductible and out-of-pocket costs. Best fit if you want coverage for unexpected events and generally need limited routine care.

Silver

Balanced premium & cost-sharing

The only tier eligible for Cost-Sharing Reductions (CSR) if your income qualifies. CSR can significantly lower deductibles and copays.

Gold

Higher monthly premium

Lower deductible and out-of-pocket costs. Best fit if you use your plan regularly and want predictable costs at the point of care.

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You may qualify for $0/month coverage.

Most Clark County residents shopping on the Marketplace qualify for premium tax credits. Check your eligibility before you compare plans — subsidies are only available on On Exchange plans.

Check your subsidy →

2026 Plan Materials

Evidence of Coverage (Policy Document)

One Evidence of Coverage document applies to all Nevada Individual & Family plan tiers. This is the full policy document referenced in each plan's Summary of Benefits and Coverage.

2026 Plan Brochure

A consumer-friendly overview of Imperial's 2026 Individual & Family plans in Nevada, including plan tiers, key benefits, and how to enroll.

Bronze

Imperial Standard Bronze

43314NV0010001
Imperial Standard Bronze Off Exchange 43314NV0010001-00
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
Imperial Standard Bronze On Exchange 43314NV0010001-01
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
Imperial Standard Bronze 100% CSR On Exchange 43314NV0010001-02
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
Imperial Standard Bronze Limited CSR On Exchange 43314NV0010001-03
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
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Silver 2 plan families

Imperial Standard Silver

43314NV0010002

Imperial Preferred Silver

43314NV0020001
Imperial Standard Silver Off Exchange 43314NV0010002-00
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
Imperial Standard Silver On Exchange 43314NV0010002-01
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
Imperial Standard Silver 73% CSR On Exchange 43314NV0010002-04
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
Imperial Standard Silver 87% CSR On Exchange 43314NV0010002-05
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
Imperial Standard Silver 94% CSR On Exchange 43314NV0010002-06
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
Imperial Preferred Silver Off Exchange 43314NV0020001-00
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
Imperial Preferred Silver On Exchange 43314NV0020001-01
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
Imperial Preferred Silver 73% CSR On Exchange 43314NV0020001-04
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
Imperial Preferred Silver 87% CSR On Exchange 43314NV0020001-05
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
Imperial Preferred Silver 94% CSR On Exchange 43314NV0020001-06
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English

100% and Limited CSR variations are available for qualifying households. Contact Member Services for details.

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Gold 2 plan families

Imperial Standard Gold

43314NV0010003

Imperial Preferred Gold

43314NV0020002
Imperial Standard Gold Off Exchange 43314NV0010003-00
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
Imperial Standard Gold On Exchange 43314NV0010003-01
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
Imperial Preferred Gold Off Exchange 43314NV0020002-00
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
Imperial Preferred Gold On Exchange 43314NV0020002-01
Schedule of Benefits: English Summary of Benefits and Coverage: English Evidence of Coverage: English
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📅
Open Enrollment · November 1 – February 15
2027 plans are now available. Compare plans and enroll.
Coverage begins January 1, 2027. Enrollments made during Open Enrollment take effect January 1 — your current 2026 coverage continues through December 31, 2026.

Available plans in Clark County, Nevada

The following plans are available for enrollment during Open Enrollment (November 1 – February 15). Coverage is effective January 1, 2027. Schedule of Benefits documents will be posted as they are accepted. Check back or call Member Services if a document is not yet available.

2027 Plan Materials

Evidence of Coverage (Policy Document)

One Evidence of Coverage document applies to all Nevada Individual & Family plan tiers. This is the full policy document referenced in each plan's Summary of Benefits and Coverage.

2027 Plan Brochure

A consumer-friendly overview of Imperial's 2027 Individual & Family plans in Nevada, including plan tiers, key benefits, and how to enroll. Available once 2027 materials are finalized.

Bronze

Imperial Classic Bronze

43314NV0010001
Imperial Classic Bronze Off Exchange 43314NV0010001-00
Schedule of Benefits: Uploading soon Summary of Benefits and Coverage: Uploading soon Evidence of Coverage: English
Imperial Classic Bronze On Exchange 43314NV0010001-01
Schedule of Benefits: Uploading soon Summary of Benefits and Coverage: Uploading soon Evidence of Coverage: English
Silver 2 plan families

Imperial Classic Silver

43314NV0010002

Imperial Preferred Silver

43314NV0020001
Imperial Classic Silver Off Exchange 43314NV0010002-00
Schedule of Benefits:Uploading soonSummary of Benefits and Coverage:Uploading soonEvidence of Coverage:English
Imperial Classic Silver On Exchange 43314NV0010002-01
Schedule of Benefits:Uploading soonSummary of Benefits and Coverage:Uploading soonEvidence of Coverage:English
Imperial Preferred Silver Off Exchange 43314NV0020001-00
Schedule of Benefits:Uploading soonSummary of Benefits and Coverage:Uploading soonEvidence of Coverage:English
Imperial Preferred Silver On Exchange 43314NV0020001-01
Schedule of Benefits:Uploading soonSummary of Benefits and Coverage:Uploading soonEvidence of Coverage:English

CSR variations (73%, 87%, 94% AV) will appear here when 2027 documents are accepted. All Silver variants will display in the same format as the 2026 plans above.

Gold 2 plan families

Imperial Classic Gold

43314NV0010003

Imperial Preferred Gold

43314NV0020002
Imperial Classic Gold Off Exchange 43314NV0010003-00
Schedule of Benefits:Uploading soonSummary of Benefits and Coverage:Uploading soonEvidence of Coverage:English
Imperial Classic Gold On Exchange 43314NV0010003-01
Schedule of Benefits:Uploading soonSummary of Benefits and Coverage:Uploading soonEvidence of Coverage:English
Imperial Preferred Gold Off Exchange 43314NV0020002-00
Schedule of Benefits:Uploading soonSummary of Benefits and Coverage:Uploading soonEvidence of Coverage:English
Imperial Preferred Gold On Exchange 43314NV0020002-01
Schedule of Benefits:Uploading soonSummary of Benefits and Coverage:Uploading soonEvidence of Coverage:English

Ready to enroll for January 1, 2027?

Open Enrollment runs November 1 – February 15. Enroll now and your 2026 coverage continues through December 31.

Compare 2027 Plans & Enroll →

Or call 1-800-595-0619 (TTY: 711)

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Member benefits & partners

Your Imperial Individual & Family plan includes benefits from these vendor partners. Click any name to visit their website, or call the number listed.

Pediatric Dental · Delta Dental

Find a participating dental provider near you.

Pediatric Vision · VSP

Find a participating vision care provider near you.

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Member Resources

The following documents apply to all Nevada Individual & Family plans.

Member Documents — Nevada

Schedule of Benefits and Summary of Benefits and Coverage documents are available in English. Evidence of Coverage is available under "Evidence of Coverage (Policy Document)" above. Spanish translation of this page is available via the language toggle.

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Find a Provider in Clark County

Search the Imperial Insurance Companies network for in-network physicians, hospitals, behavioral health providers, and pharmacies near you. Always confirm your provider accepts your specific plan before scheduling an appointment.

P
Primary Care
S
Specialists
U
Urgent Care
H
Hospitals
N
Skilled Nursing
L
Labs and Radiology
B
Behavioral Health
R
Retail Pharmacy

For help locating a provider, call Member Services at 1-800-595-0619 (TTY: 711).

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Enroll and contact

Member Services — Nevada

Imperial Insurance Companies, Inc.

1-800-595-0619

TTY: 711

Oct 1 – Mar 31: Mon–Sun, 6:00 AM – 8:00 PM PST
Apr 1 – Sept 30: Mon–Fri, 8:00 AM – 5:00 PM local time

Broker & Sales Support

1-866-442-0001

TTY: 711

Mon–Fri, 6:00 AM – 5:00 PM PST
Open Enrollment (Nov 1 – Feb 15): Mon–Fri, 5:00 AM – 5:00 PM PST

Ready to enroll in a Clark County plan?

Compare plans and enroll through any of these certified enrollment partners. Open Enrollment runs November 1 – February 15.

Healthcare.gov → Nevada Health Link → HealthSherpa →

Call Broker & Sales Support: 1-866-442-0001

Individual & Family Plan Disclosures — Nevada

Imperial Insurance Companies, Inc. offers health insurance products through the ACA Health Insurance Marketplace in Nevada and is regulated by the Nevada Division of Insurance and the U.S. Centers for Medicare & Medicaid Services.

ATTENTION: If you speak English, language assistance services, free of charge, are available to you. Call 1-800-595-0619 (TTY: 711).

ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800-595-0619 (TTY: 711).

注意：如果您使用繁體中文，您可以免費獲得語言援助服務。請致電 1-800-595-0619 (TTY: 711)。