Sunrise Manor covers a broad stretch of the eastern Las Vegas Valley, an unincorporated Clark County community running out toward Nellis Air Force Base along the Las Vegas Boulevard North and Nellis Boulevard corridors. It is one of the more affordable parts of the metro, home to hourly workers, military families connected to the base, and long-time residents in established neighborhoods. Affordability pressure shows up in insurance decisions here more than anywhere else in the valley.
The rules here
| Max short-term duration | 185 days in aggregate per year |
| Extended (multi-year) short-term | Not available in Nevada |
| Products available | ACA marketplace, short-term, fixed indemnity, supplemental |
| Exchange type | State exchange (Nevada Health Link) |
| Medicaid expansion | Yes |
What's available in Sunrise Manor
| Coverage line | Available here | Key limit | Learn more |
|---|---|---|---|
| ACA marketplace plans | Yes | Open enrollment or a qualifying event | ACA plans |
| Short-term medical | Yes | 185 days in aggregate per year | Short-term |
| Extended short-term (multi-year) | No | Not sold under Nevada's rules | |
| Fixed indemnity | Yes | Pays set cash amounts, not a substitute for major medical | Fixed indemnity |
| Supplemental (accident, critical illness, dental, vision) | Yes | Pairs with other coverage | Accident · Critical illness · Dental · Vision |
Short-term and fixed indemnity plans are not ACA compliant and do not count as minimum essential coverage. They are medically underwritten and typically exclude pre-existing conditions.
What one person pays for coverage in Nevada
Average monthly premiums for individual coverage. Family pricing differs; quotes are individual.
| Coverage type | Monthly premium (individual) | What that number is |
|---|---|---|
| ACA marketplace (before subsidy) | $659 avg. | State average, before tax credits (CMS Marketplace OEP, 2026).1 |
| ACA marketplace (after average subsidy) | $148 after credit | State average, after the average tax credit, among subsidized enrollees (CMS Marketplace OEP, 2026).1 |
| Employer coverage (single / family) | $621 / $1832 single / family | State average total monthly premium, single / family; employee pays about $118/mo toward single coverage (MEPS-IC, 2024).2 |
| Medicaid | $0 or nominal for those who qualify | Program design, not an average; eligibility is income-based5 |
For the self-employed here, from mobile mechanics to cleaning businesses, the individual marketplace benchmark above is the anchor number. At many Sunrise Manor income levels the after-subsidy figure is what actually matters, but eligibility is determined by your real household income and size for the year, never assumed.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
Sunrise Manor at a glance
Sunrise Manor is an unincorporated community governed by Clark County, stretching across the northeast valley toward Nellis Air Force Base and Sunrise Mountain. Its neighborhoods are among the metro's most affordable, and its workforce leans heavily on hourly jobs across the valley plus the civilian economy that surrounds the base.
| Population | County | Metro |
|---|---|---|
| ~206,000 | Clark (FIPS 32003) | Las Vegas-Henderson-Paradise, NV |
Three Sunrise Manor situations
Rosa, 41, cleans houses on her own schedule. Her income sits near the Medicaid line. Because Nevada expanded Medicaid, she may qualify outright; if a good year pushes her over, a strongly subsidized Nevada Health Link plan takes the handoff.
Devon, 23, separating from the Air Force at Nellis. His military coverage ends at separation, a qualifying event with a 60-day window. If he lets the window lapse while job hunting, short-term coverage can bridge him, but only up to 185 days in the year.
Maria and Luis, 50s, own a small auto repair shop. No group plan, two kids in high school. The kids may qualify for Medicaid or CHIP while the parents take a subsidized marketplace plan; splitting the household across programs often lowers the total cost.
How Nevada's rules work
Nevada allows short-term health insurance only up to 185 days in aggregate per year, and multi-year extended plans are not available. In practical terms, short-term coverage here is a bridge across a defined gap, like a job transition or a military separation, and the durable coverage answers are Medicaid, Nevada Health Link with subsidies, or an employer plan. The 2024 federal duration rule is currently not being enforced per the August 7, 2025 tri-agency statement, but Nevada's cap holds on its own.
The state expanded Medicaid, which reaches a substantial share of households in this part of the valley. Nevada Health Link sets its own enrollment dates, generally opening November 1, and qualifying events open Special Enrollment Periods at any point in the year.
Ready to compare your options? A licensed Nevada agent can check Medicaid, subsidies, and bridge coverage in a single conversation. No obligation.
Keep reading — more Nevada guides
Premium data methodology. 1 Marketplace premium averages reflect the average monthly premium before advance premium tax credits, the average monthly premium after advance premium tax credits among subsidized enrollees, and the percentage of enrollees receiving advance premium tax credits, for Nevada, as reported in the Centers for Medicare & Medicaid Services (CMS) Marketplace Open Enrollment Period Public Use Files, 2026 plan year, available at cms.gov. Figures are statewide averages across all metal tiers, ages, and household sizes; your premium will differ based on your age, household, income, county, and plan selection.
2 Employer coverage averages reflect the average total monthly premium for single and family coverage at private-sector establishments in Nevada, including both employer and employee contributions, as reported in the Medical Expenditure Panel Survey Insurance Component (MEPS-IC), Agency for Healthcare Research and Quality, 2024 tables, available at meps.ahrq.gov. Employee contribution figure reflects the average employee share of the single-coverage premium. Employer plan costs vary by employer, plan design, and firm size.
4 No federal or state agency publishes average premium data for short-term limited duration insurance or fixed indemnity insurance. Where we do not display a client-base figure for these products, it is because we do not have sufficient policy volume in that state to report a meaningful average. Short-term and fixed indemnity products are medically underwritten, are not major medical coverage, are not required to cover pre-existing conditions or essential health benefits, and do not constitute minimum essential coverage under the Affordable Care Act.
5 Medicaid and CHIP are public programs, not insurance products sold by this agency. Premiums are $0 or nominal for those who qualify; eligibility is determined by your state based on income, household size, and other factors. The figure shown describes program design, not an average. Contact your state Medicaid agency or HealthCare.gov to check eligibility.