Nevada Health Insurance
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HEALTH CARE REFORM

You Have Questions...

We Have Answers

This website is dedicated to...

Individuals

Families

and Employers

that are trying to purchase health insurance

and understand health care reform.

We are here to help!

From 1/1/2014 and forever more...
all health insurance plans will be “Guaranteed Issue”
which means you CANNOT be turned down
No more Medical Underwriting
AND the best part
you may qualify for a “Subsidy”

which is kind of like getting a gift card from the Government to help you pay for your health insurance

Subsidy, Affordable Las Vegas Health Insurance for Individuals and Families

Enrolling into a Health Plan

WITHOUT
a Government "Subsidy"
In Nevada, you can buy YEAR ROUND
and
but you'll have a waiting period.
Unless you have a "Life Event"
Marriage, Divorce, Move, Birth, Lose your Group Insurance Plan, etc.

Enrolling into a Health Plan

WITH
a Government "Subsidy"
You can only buy Health Insurance from:
November 15th through February 15th
and
Unless you have a "Life Event"
Marriage, Divorce, Move, Birth, Lose your Group Insurance Plan, etc.
authorized-agent-for-these-health-insurance-companies

We offer affordable plans...

from the country's Top Insurance Companies

Companies You've Known and Trusted for Years

Looking to find the perfect Health Insurance in Nevada?

We Offer:

♦  GUARANTEED LOWEST RATES

♦  No Application, Agent or Broker Fee of any kind

♦  Plans for Individuals, Families, Groups and Medicare Eligibles

♦  Enroll “ON Exchange” or “OFF Exchange” (with a Government subsidy or without)

♦  Assistance from licensed, educated, experienced and caring Health Insurance agents with years of Health Insurance experience

♦  Enroll online, in person, or over the phone

♦  Plans from all the top Health Insurance companies in the country

Authorized Agent for United Health OneAuthorized Agent for Anthem Blue Cross and Blue ShieldAuthorized Agent for Sierra Health and Life / Health Plan of Nevada Authorized Agent for Coventry OneAuthorized Agent for Prominence Health PlanAuthorized Agent for Assurant HealthAuthorized Agent for Nevada Health CO-OPAuthorized Agent for AetnaAuthorized Agent for HumanaAuthorized Agent for United Healthcare Medicare SolutionsAuthorized Agent for CignaAuthorized Agent for Manhattan LifeAuthorized Agent for Mutual of OmahaAuthorized Agent for Nevada Health LinkAuthorized Agent for United Health OneAuthorized Agent for Anthem Blue Cross and Blue ShieldAuthorized Agent for Sierra Health and Life / Health Plan of Nevada Authorized Agent for Coventry OneAuthorized Agent for Prominence Health PlanAuthorized Agent for Assurant HealthAuthorized Agent for Nevada Health CO-OPAuthorized Agent for AetnaAuthorized Agent for HumanaAuthorized Agent for United Healthcare Medicare SolutionsAuthorized Agent for CignaAuthorized Agent for Manhattan LifeAuthorized Agent for Mutual of Omaha
Authorized Agent for United Health OneAuthorized Agent for Anthem Blue Cross and Blue ShieldAuthorized Agent for Sierra Health and Life / Health Plan of Nevada Authorized Agent for Coventry OneAuthorized Agent for Prominence Health PlanAuthorized Agent for Assurant HealthAuthorized Agent for Nevada Health CO-OPAuthorized Agent for AetnaAuthorized Agent for HumanaAuthorized Agent for United Healthcare Medicare SolutionsAuthorized Agent for CignaAuthorized Agent for Manhattan LifeAuthorized Agent for Mutual of OmahaAuthorized Agent for Nevada Health LinkAuthorized Agent for United Health OneAuthorized Agent for Anthem Blue Cross and Blue ShieldAuthorized Agent for Sierra Health and Life / Health Plan of Nevada Authorized Agent for Coventry OneAuthorized Agent for Prominence Health PlanAuthorized Agent for Assurant HealthAuthorized Agent for Nevada Health CO-OPAuthorized Agent for AetnaAuthorized Agent for HumanaAuthorized Agent for United Healthcare Medicare SolutionsAuthorized Agent for CignaAuthorized Agent for Manhattan LifeAuthorized Agent for Mutual of Omaha

We have Health Insurance plans for:

Individuals  |  Families  |  Medicare Eligibles  |   Group Health Insurance for Businesses

Let’s begin by clicking on a button below that best describes your Health Insurance needs.

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Two Ways To Enroll

Shopping for Health Insurance can be confusing… 

We are Here to Help!

Click on a button below for additional information.

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blue healthcare definitions button
black frequently asked questions button
purple customer reviews testimonials button
Health Care Definitions

Don’t know the meaning of a word? Just hover your mouse over any word in GREEN.

A definition of the word will pop up. Would you like to see the entire list of Health Care Definitions? Click the Button

Why Go Anywhere Else?

When you can have an educated, experienced and caring professional guide you.

Health Insurance Quotes | Plans | Coverage

ACA Health Insurance Certification blue and white logo by NAHU

The  process for Health Insurance is complex and you’ll want a caring professional guiding you year after year.

You will certainly want our expertise and help during this process.  Our agents graduated in the top 1% of their college classes learning about Obamacare.  We will be your advocate.

Read why it’s smart to have an agent represent you:

At Nevada Insurance Enrollment Marketplace we help you choose the best plan to fit your personal needs.  We enroll Nevadans into plans from the country’s top insurance companies and  health plans through the Nevada Health Link.

The service we offer is FREE and it doesn’t stop once you purchase a plan.  As your agent, you’ll get expert advice and help through every step of owning an insurance policy.  We will always be here to answer your calls and your questions.

You have our direct line and we are here when you need us.  This is important to know because no matter where you sign up, THE COSTS ARE ALL THE SAME, so why not have an educated, experienced and caring professional at your service…for no additional charge!

We know, it’s confusing…but we’re here to help you and guide you.

If you haven’t yet, let’s begin by clicking on a button below that best describes your Health Insurance needs.

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5/5

This review was posted on Google+

  • “Shelley Rogers is one of the best insurance agents I have ever used. She has always been very knowledgeable about any new changes or information when it comes to health insurance. She is very easy to get a hold of and is always willing to work whatever hours I am available even if its very early in the morning or late evenings when it comes to putting my policies together. I would highly recommend Shelley and her team to anyone who needs a great health insurance agent in this new era of health insurance.”
    Jason Doucette -
  • Initial Enrollment Period (1st year of Obamacare) was October 1st 2013 through March 31st 2014.  The next Enrollment Period will be November 15th 2014 through February 15th 2015.  This is when we all enroll (unless you already have a “qualified health plan” in place).  Each month during “open enrollment” (11/15/2014 – 2/15/2015) if you enroll before the 15th, you’ll start the next month.  If you sign up after the 15th you’ll start not the next month but the month after.  If you don’t qualify for a subsidy or you didn’t buy a health plan during the enrollment period, you may buy insurance anytime you would like in Nevada, however, there is likely to be a 90 day waiting period, and you could be subject to a tax penalty for not having coverage, and the coverage can’t go back in time.  It is not wise to wait until you are sick to try and get coverage because you may not be able to.  If you have a qualifying “Life Event,” you can avoid the 90 waiting periods.  Small businesses can enroll into health insurance throughout the year.
    SUBSIDY (Financial Assistance) – A subsidy is an “Advanced Premium Tax Credit” that is available on the Individual Exchange but NOT the SHOP Exchange for small businesses. A “subsidy” means that you get a reduced premium payment to pay for your medical insurance, kind of like getting a gift card from the Government to help pay a portion of your health insurance premiums. The factors that affect the premium you pay would be your income, the number of family members you are insuring, your age, and if you smoke (there is no subsidy on the increased portion of your premium due to smoking). The only way to get a “Subsidy” is to get a health insurance plan through the Nevada Public “Exchange” (an Exchange is an online website where you can buy health insurance.) If your income is in between 138% to 400% of the federal poverty level, you may qualify for a subsidy. Call us here at the Nevada Insurance Enrollment Marketplace and we’ll help you with a “subsidized” or “unsubsidized” health plan. We are a Full Service Private Marketplace.

    Your income will be checked with the IRS records or a Federal Database, so if you claim a certain income, the “Exchange” will check with the IRS of your past years’ income tax records – before you get approved for a subsidy.

    Individuals and families will state their income based on their MAGI – (Modified Adjusted Gross Income.) The State will then verify that information through the IRS against your previous tax returns. If the stated income on the application is more than 10% lower than what the IRS shows, the State will require the individual to prove their income within 90 days, but you’ll still get enrolled. Your financial information is run through a Data Services Hub – A tool the government is using to verify applicant information and income for the “Advanced Premium Tax Credits.” (To see if you qualify for a subsidy.)

    BE VERY CAREFUL NOT TO GET TOO MUCH SUBSIDY. The reason being would be you’d have to pay the extra subsidy back to the IRS. For example, if your health insurance premiums are $1,000/month and you get a Government Subsidy of $800/month and you only have to pay $200/month. At the end of the year when you have to settle up your taxes on April 15th of each year, the Government will check your income, and IF you were only supposed to have received an Advanced Premium Tax Credit (subsidy) of $700/month instead of $800/month, you’ll owe the Government an extra $100/month X 12 months is $1,200. How do you avoid this? (It is VERY important to read the “Redetermination for income changes” AND the “Reconciliation of Premium Credits” definitions both).

    Please note: If you are providing insurance to your employees, and if you offer health insurance benefits only to your employee, in Nevada the employee’s spouse and children are able to get a subsidized plan, but the subsidy is based off of the “household” income. HOWEVER, if you DO OFFER coverage to the spouse and dependents and they elect not to take the coverage for whatever reason, (the spouse may feel your employer plan is too expensive), then that spouse is NOT able to go and get a subsidized plan!! Please keep this in mind. You may repel employees if you are not careful.

    • “Sitting down to discuss Health Insurance plans and rates with Nevada Insurance Enrollment Marketplace was like talking to an old friend.  I really felt comfortable.  They are a trustworthy, dependable and honest representative.  I was happy I made the choice to be their client, and would recommend them to others.  They always kept my best interests in mind.”
      Linda P - Las Vegas
    • “I was in need of health insurance for me and my 2 daughters.  I couldn’t have been happier to have found Nevada Insurance Enrollment Marketplace.  They were very friendly and accommodating to me, as each time we spoke I was also trying to round up my 5 and 2 year olds.  They set me up with a health plan for my girls.  I have already used it (the insurance plan) and am more than satisfied with it.  I especially like the $100.00 Emergency Room cost which I thankfully haven’t had to use yet, but feel safe knowing I have the coverage.  I got the __ plan from Anthem BCBS for myself.  I am happy to have insurance without a lot of extra costs.  The agents always make me feel important when I talk to them, and like I am their top priority.  I recommend the Nevada Insurance Enrollment Marketplace to everyone who is looking for a hassle free insurance plan.”
      Jerilyn G - Henderson
    • “Contacting the Nevada Insurance Enrollment Marketplace will be the best decision you make.  They will do everything in their power to help you with all your insurance needs.  They are very knowledgeable, courteous, and dedicated to helping their clients.  The first time I called, the agent immediately took action.  I instantly felt the stress subside because the agent was committed to helping me through the process, and I knew they would do everything they could to solve my particular dilemma.  Do yourself a favor and give them a call. You’ll be so glad you did.”
      Katherine Hemei -
    • “Shelly Rogers is fantastic to work with.  Not only is she extremely knowledgeable of insurance laws, but she follows through and ensures that her clients get the best coverage possible for their specific situation.  She answers any questions that arise openly and honestly and I am confident she has my best interest at heart.”
      Heather - Northern Nevada
    • “The NevadaInsuranceEnrollment.com web site is great.  It provided me with a clear description of the ObamaCare insurance subsidy that I am entitled to.  The Subsidy Calculator was very helpful since it allowed me to enter in various scenarios and what the subsidy amount would be.  I have read various articles about ObamaCare and I was confused.  After reading the information in this web site it is now all crystal clear to me.  Thank You.”
      Bryan - Las Vegas
    • “I worked with Shelly Rogers to find new insurance.  She gets to a good answer fast and adequately anticipates the questions insurers medical staff will have.  I’m very happy to know Shelly is looking out for my wife and me.”
      Darrel Neuenschwander -
    • “I have been working with Shelly Rogers and love, love ,love her service.  She found an affordable insurance for my husband and I.  We have both recently retired and found ourselves without coverage for the first time in 27 years, what a shock.  Shelly walked us through the enrollment and we were able to stay with our Dr.  Thanks…she is awesome and so is her staff.”
      Kelly Beeson -
    • ” My brother                   showed me this website, and I learned so much from it.  Thank you for all your help, I can’t say enough about how easy it was.  I was about to give up, I was overwhelmed with everything I had been reading and viewing on other sites.  Great site.  Thanks again. “
      Debbie T - Raleigh, NC
    • ” great site, lots of info, easy to read “
      Cheryl M - Las Vegas
    • “Shelly is very knowledgeable and will take great care of you.  She has many options available and takes the time to explain and guide you into the right product for you!”
      Susie Bigelow - Las Vegas
    • “Shelly is awesome and will take great care of you. She takes the time to explain and guide you into the right product for you! In this day and age of Obamacare confusion, Shelly is the answer…”
      Duff Kaster -
    • ” I’ve been to the states site three times and have had terrible results.  I finally searched around and found this site.  I can honestly say it was a pleasure.  The entire site was written so a mere mortal like myself could understand it.  It guided me exactly where I needed to go…unlike so many other sites that I got lost on.  This is all confusing stuff and this site made it easier to understand.  If you’re looking for insurance, this is the site. “
      Mike Rutledge - N. Las Vegas
    • ” My friend shared this website on Facebook, so I thought I’d take a look.  My insurance company had just sent me a letter telling me they were dropping me and I was in a panic.  I saw this site the next day, call it lucky, and have signed up my entire family.  Shelly is awesome!  She took the time and explained everything to me and all my options.  The website is also extremely easy to use, it practically does the work for you.  I tried one other site and was totally lost within 10 minutes so I highly recommend this to anyone searching for health insurance. “
      Lisa Carpenter - Las Vegas
    • “I have to say that if you do not contact Shelly Rogers concerning Health Insurance coverage you will be lost.  She is very knowledgeable and helpful and well educated in the industry of Health Insurance coverage.  She is not in the business just to sell you Health Care coverage, but will educate you and get you the right coverage you will need for you and your family.  I highly recommended her!  She does not deserve only 5 star rating but 100 stars.  To me she is one of a million who really cares and that you can underline.  Look no further if your smart, call Shelly Rogers today!”
      Carlos Delamilera -
    • “Shelley Rogers is one of the best insurance agents I have ever used. She has always been very knowledgeable about any new changes or information when it comes to health insurance. She is very easy to get a hold of and is always willing to work whatever hours I am available even if its very early in the morning or late evenings when it comes to putting my policies together. I would highly recommend Shelley and her team to anyone who needs a great health insurance agent in this new era of health insurance.”
      Jason Doucette -
    • “I have worked with Shelly Rogers for perhaps 5 years now for my health insurance needs.  I owe her a huge debt of gratitude for warning me of upcoming changes prior to the ACA being enacted, giving me time to switch to a carrier that was already compliant with requirements.  Saved me a lot of money as without the policy I now have, in my situation I’d have either been relegated to Medicaid and it’s claw back provisions…as my income is not enough to qualify for a subsidy; paying for #$%# coverage would have cost 4 times as much.  She has also taken the time to dialog with me so that I had a better understanding of what was going on as this “act” was being implemented.  Friendly, knowledgeable, understanding and ethical…the latter quality rare these days.  Thanks, Shelly!”
      Larry Crawford - Gardnerville, NV
    • ” I cannot say enough about how happy I am with Shelly Rogers.  This lady is incredible.  I was looking for insurance for my three children and me.  She listened to our needs and found the best plan for us.  Not only does she know health insurance, she delivers the information so an average person understands.  She is a consummate professional.  I cannot thank Shelly enough for my piece of mind regarding my insurance coverage. “
      Missy B - Henderson, NV
    • “My experience dealing with Shelly so far has been nothing short of fantastic.  She is extremely customer oriented and will go way beyond what is expected to make sure all questions are answered.  Agents I’ve used in the past would sometimes not listen carefully to what I wanted or was describing.  Shelly is as sharp as a tack and picks up on everything being said.  Her enthusiasm and down-to-earth personality make communications easy and pleasurable.  You can really tell that she is trying hard to get the best coverage for your needs and for the money.  As with other forms of insurance, it sometimes does not make sense to call around to each insurance company in order to compare offerings and talk to multitude of representatives as it could get even more confusing than it already is.  In the case of health insurance, my recommendation is to just call Shelly since she specializes in health insurance, knows what’s available, and can tailor coverage to suit your budget.”
      HH. -
    • “Shelly is my go to person when it comes to finding a healthcare plan that works for me and my family.  Even though I now get insurance through work, Shelly was still able to find me a better plan for less money.  She is the best!”
      Anemette Taylor -

     

    “Your HEALTH is our BUSINESS

    Health Insurance for:  Individuals, Families, Medicare Eligibles and Businesses (Large and Small Groups)
    Authorized Agent for:  Nevada Health Link, Anthem Blue Cross / Blue Shield, United Healthcare, Sierra Health and Life, Health Plan of Nevada, Aetna, Assurant Health,  Coventry, Humana, Nevada Health CO-OP, Prominence, Cigna, Manhattan Life, Mutual of Omaha