A Nevada state retiree who is not on Medicare and covers only themselves pays $278.06 a month on the Nationwide PPO Consumer Driven Health Plan, which the Public Employees’ Benefits Program lists with an unsubsidized rate of $813.26 and a $568.70 base subsidy. Those figures come from the program’s Plan Year 2027 premium rates, which run from July 1, 2026 to June 30, 2027. The rates are already in effect, and the amount a given retiree pays moves with years of service.
What each plan costs a retiree alone
The same rate sheet lists three plan groups for state retirees without Medicare. For retiree-only coverage, the participant premium is $278.06 on the CDHP, $372.66 on the Nationwide PPO Low Deductible plan and $588.56 on the Statewide EPO/HMO. All three carry the same $568.70 base subsidy. The unsubsidized rates are $813.26, $1,057.50 and $1,303.10.
The gap between the cheapest and the dearest choice is $310.50 a month, which is $3,726 over twelve months. The sheet lists the participant premium as the retiree’s monthly cost.
What a year of premiums adds up to
Over twelve months, the retiree-only CDHP premium of $278.06 comes to $3,336.72. The EPO/HMO premium of $588.56 comes to $7,062.72, and an unsubsidized dependent on the CDHP, at $813.26 a month, pays $9,759.12. The deductible and out-of-pocket costs of each plan come on top of those totals and are not part of the rate sheet.
Families and survivors pay more
Adding people raises the bill quickly. On the CDHP, retiree plus spouse is $702.82 a month, retiree plus children is $437.34 and retiree plus family is $862.10. On the Statewide EPO/HMO, retiree plus family is $1,600.34.
Surviving or unsubsidized dependents get no base subsidy at all. A surviving dependent on the CDHP pays the full $813.26, and one on the EPO/HMO pays $1,303.10. The question that matters to many retirees is which plan leaves a household paying less once the subsidy is applied, and on the printed premiums the CDHP is lowest at every tier, while the EPO/HMO is highest.
A $310.50 monthly spread between Nevada’s cheapest and costliest retiree plans only shows the premium, not what a year of care costs on each. A cost calculator spreadsheet that compares plans on cost, drugs and doctors sits inside the 2027 Medicare Open Enrollment Decision Kit, built to turn one month’s premium into a full-year figure.
Turn the $278.06 premium into a full-year cost in the Decision Kit’s calculator →
Years of service move the number
The $278.06 is a base participant premium, not a universal amount. For retirees who retired on or after January 1, 1994, the sheet says to add or subtract a years-of-service amount from the participant premium. The adjustment runs from an added $525.00 at five years of service to $262.50 off at 20 years, with 15 years as the base. The sheet adds that the adjustment cannot exceed the base subsidy in the selected plan and tier.
Two groups get less. Retirees hired between January 1, 2010 and December 31, 2011 with fewer than 15 years of service, who are not disabled, receive no years-of-service subsidy, according to the sheet. Those first hired on or after January 1, 2012 receive neither a years-of-service subsidy nor the base subsidy.
The Medicare Part B offset
The sheet carries one more adjustment. Retirees on the CDHP, Low Deductible, EPO or HMO plans who are enrolled in Medicare Part B subtract up to an additional $145.30 from the participant premium. The offset applies only to retirees enrolled in Part B, so it does not change the $278.06 for a retiree without it.
The sheet also notes that its figures do not include “rate adjustments paid/credited with PEBP reserves,” so a bill can differ from the printed premium for reasons separate from years of service.
Working out the real monthly bill
The free route is the program itself. PEBP’s site at pebp.nv.gov lists a Carson City office open from 8:00 a.m. to 5:00 p.m. and phone lines at 775-684-7000, 702-486-3100 and, from out of state, 1-800-326-5496.
Before calling, write down the retirement date, the total years of service, whether the retiree was hired before 2010, between 2010 and 2011 or after 2011, the coverage tier, and whether Part B is in place. Those five facts decide whether the $278.06 holds, or whether it shifts by as much as $525.00 more or $262.50 less for years of service, or by up to $145.30 less for Part B.
The rate sheet’s three retiree-only premiums, $278.06, $372.66 and $588.56, are the starting numbers for any comparison, and the sheet’s base subsidy of $568.70 is the same in every plan.
Three Nevada plans, $310.50 apart each month
A retiree who picks the plan with the lowest premium can still lose on total cost if the doctors or drugs in regular use are covered better elsewhere. The 2027 Medicare Open Enrollment Decision Kit includes a cost calculator spreadsheet that compares plans on cost, drugs and doctors, plus a provider call script.
Compare the three Nevada retiree plans on cost, drugs and doctors with the Decision Kit →
This article was produced with AI assistance and edited for accuracy against the sources linked above.
