Enroll Now For Health Insurance in 2026
♦ Health Insurance WITH a Government subsidy – ON Exchange
♦ Health Insurance WITHOUT a Government subsidy – OFF exchange
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Don’t Miss Open Enrollment
November 1st, 2025 through January 15th, 2026
RIGHT NOW is the Open Enrollment period to begin signing up for your health insurance coverage. Understanding the enrollment process, and taking note of the limited enrollment period, is more important than ever for ensuring that you and your family have health insurance coverage next year.
Health Insurance Open Enrollment Explained
It is important to understand what Open Enrollment is and when you can take advantage of it. Open Enrollment is a specific time period (November 1st through January 15th each year) to enroll into, make changes to, or cancel your health insurance plan. You will not be able to make changes to your health insurance plan outside of the Open Enrollment period unless you have a Qualifying Life Event such as, marriage or having a baby, etc. You can, however, at any time, cancel your individual insurance plan that is not through employer coverage.
It is especially important to know when Open Enrollment is and decide what you want/need when it comes to your health insurance. Speaking with a qualified health insurance agent should be a top priority! You’ll need to understand the benefits of your health plan, your options, and be able to get the most out of your budget.
If you want a January 1st effective date, the last day to enroll is December 15th. If you enroll after December 15th, you will have to wait till the first of the next month for your insurance to begin. All enrollments end on January 15th.
Do You Qualify for a Government Subsidy?
During the enrollment process, you’ll provide some basic information about how many people live in your house, your household income and where you live. This will allow you to see what levels of health insurance you and your dependents qualify for, what health insurance will cost you or even if you qualify for free health insurance or a government subsidy that will minimize how much your health insurance costs.
I Don’t Want a Subsidy
If you DO NOT qualify or do not want a government subsidy, you can buy an ACA qualified health plan which covers pre-existing conditions, that is not tied to Nevada Health Link. We can enroll you into either plan. You’ll need to call for details.
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What is Open Enrollment?
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What is a Qualified Health Insurance Plan?
Qualified Health Insurance
A Qualified Health Plan (QHP) is a health insurance plan that provides coverage for the 10 essential benefits outlined in the 2010 Affordable Care Act. What are Essential Health Benefits and who must have them? From 1/1/2014 and forward, all new health insurance plans (insured small group and individual health insurance plans) must cover the 10 bulleted benefits below, called “Essential Heath Care Benefits” to qualify as being an ACA plan (Obamacare). Qualified Health Plans MUST cover these 10 items without any lifetime or annual limits on these “Essential Health Benefits.” These essential benefits include:- Outpatient care
- Prescription drugs
- Laboratory services
- Prenatal and postnatal care
- Hospitalization, such as for surgeries and overnight stays
- Pediatric services, including vision and dental care for children
- Chronic disease management and preventative and wellness services
- Emergency services, including services provided at an out-of-network hospital
- Rehabilitative and habilitative services for policyholders with injuries, illnesses or chronic conditions
- Treatment for mental health and substance abuse disorders, such as counseling services and psychotherapy
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What are Essential Health Benefits?
What are Essential Health Benefits and who must have them? From 1/1/2014 and forward, all new health insurance plans (insured small group and individual health insurance plans) must cover the 10 bulleted benefits below, called “Essential Heath Care Benefits” to qualify as being an ACA plan (Obamacare). Qualified Health Plans MUST cover these 10 items without any lifetime or annual limits on these “Essential Health Benefits.” These essential benefits include:- Outpatient care
- Prescription drugs
- Laboratory services
- Prenatal and postnatal care
- Hospitalization, such as for surgeries and overnight stays
- Pediatric services, including vision and dental care for children
- Chronic disease management and preventative and wellness services
- Emergency services, including services provided at an out-of-network hospital
- Rehabilitative and habilitative services for policyholders with injuries, illnesses or chronic conditions
- Treatment for mental health and substance abuse disorders, such as counseling services and psychotherapy
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What is considered a Qualifying Life Event?
Purchasing Health Insurance Outside Open Enrollment
If you’ve experienced a Qualifying Life Event (QLE) within the last 60 days, it triggers a Special Enrollment Period (SEP), and you may be able to sign up for (or make changes to) health insurance outside of the Open Enrollment period. Understanding which situations are considered qualifying life events will help you make smart decisions regarding your coverage. The special enrollment period is always within 60 days of a Qualifying Life Event. You’ll have to act relatively quickly from the date of your Life Event because you only have 60 days from the time of your Life Event to enroll into a health insurance plan. This 60 days is your "Special Enrollment Period". Some examples of a Life Event are:- Losing your existing health insurance coverage
- Cobra expiring
- Turning 26 and losing coverage through a parent’s plan or moving away or to college
- Changes in marriage, birth or adoption of children, death
- Gaining or losing a dependent
- No longer eligible for Medicaid
- Moving to a different zip code or county
- Working seasonally and losing coverage, moving to or from a shelter
- Changes in your income that affect the coverage you would qualify for
- Becoming a US Citizen
- Leaving incarceration
- Membership into a federally recognized tribe or status change as an Alaska Native
- AmeriCorps members change in service
- Terminating (cancelling) your own insurance is not a life event.
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What is a Special Enrollment Period?
Purchasing Health Insurance Outside Open Enrollment
If you’ve experienced a Qualifying Life Event (QLE) within the last 60 days, it triggers a Special Enrollment Period (SEP), and you may be able to sign up for (or make changes to) health insurance outside of the Open Enrollment period. Understanding which situations are considered qualifying life events will help you make smart decisions regarding your coverage. The special enrollment period is always within 60 days of a Qualifying Life Event. You’ll have to act relatively quickly from the date of your Life Event because you only have 60 days from the time of your Life Event to enroll into a health insurance plan. This 60 days is your "Special Enrollment Period". Some examples of a Life Event are:- Losing your existing health insurance coverage
- Cobra expiring
- Turning 26 and losing coverage through a parent’s plan or moving away or to college
- Changes in marriage, birth or adoption of children, death
- Gaining or losing a dependent
- No longer eligible for Medicaid
- Moving to a different zip code or county
- Working seasonally and losing coverage, moving to or from a shelter
- Changes in your income that affect the coverage you would qualify for
- Becoming a US Citizen
- Leaving incarceration
- Membership into a federally recognized tribe or status change as an Alaska Native
- AmeriCorps members change in service
- Terminating (cancelling) your own insurance is not a life event.
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When is Health Insurance Open Enrollment?
Obamacare Open Enrollment
Each year, you can only buy Health Insurance during Open Enrollment which is November 1st through January 15th, unless you have a Life Event ie. Marriage, Divorce, Relocation, Birth, etc. Read More: https://www.nevadainsuranceenrollment.com/health/why-have-open-enrollment/ https://www.nevadainsuranceenrollment.com/health/open-enrollment-missed/ https://www.nevadainsuranceenrollment.com/health/obamacare-health-insurance-open-enrollment/ https://www.nevadainsuranceenrollment.com/health/special-enrollment-period/ -
Where Should I Buy My Health Insurance?
You Have Choices. The Difference Comes Down To:1. Local Guidance From Nevada Experts 2. Support Beyond Open Enrollment 3. Service Tailored to Your Needs
Unlike group health insurance you receive from your employer or spouse’s employer, individual and family health insurance plans you purchase on your own. When you buy health insurance on your own, it is a private health insurance plan and gives you the flexibility to choose a plan that fits your needs and budget. Enrollment Made Simple Purchasing health insurance may feel overwhelming, but it does not have to be complicated. You have several options for enrollment, whether through the state’s Marketplace (Nevada Health Link), directly with an insurance company, an online broker, or with the help of a licensed local health insurance agent. Same Price The important thing to know is that no matter which path you choose, the price of your health plan will always be the same. Whether you choose to purchase on your own, online, or with the help of a licensed agent, your premium does not change. The agents services are always free. The real difference lies in the level of guidance and support you receive. Enrollment Options: Which One Is Right for You? Local Agents Your Free Resource When it comes to choosing health insurance, nothing compares to the support of a local licensed health insurance agent. Our agents study every plan from every carrier available in Nevada, comparing cost, coverage, and benefits. Why Work With Us? For over 15 years, Nevada Insurance Enrollment has specialized in health insurance. We are not seasonal staff or a faraway 1-800 number. We are local, licensed agents who study Nevada plans, guide you step-by-step, and stay with you for billing, claims, or membership questions long after enrollment. If you ever have questions, you will speak to your agent, the same person who already knows you and your situation. We are professional health insurance agents… it’s what we do. The important thing to know is that no matter which path you choose, the price of your health plan will always be the same. Whether you choose to purchase on your own, online, or with the help of a licensed agent, your premium does not change. The agents services are always free.
Do It Yourself You can enroll through Nevada Health Link or work directly with a health insurance company. This may work if you already know exactly what you want, but there is no personal guidance if you are unsure about networks, doctors, prescriptions, subsidy eligibility, co-pays, deductibles, or other benefits. If you need help later, whether it is a billing question, prescriptions, making changes, requesting authorization, or filing a claim, you will need to call the insurance company’s customer service line yourself. Keep in Mind: Licensed local health insurance agents (like us) are different. We can manage everything for you – questions, communication, changes, authorizations, and claims. Plus, our help is always free. Your premium does not change. Enrolling on your own does not save money, it only means you will not have an expert to guide you if questions or problems come up later.
Use a 'Navigator' Navigators are certified enrollment counselors trained by Nevada Health Link. To qualify, they must complete a 20-hour training course, pass an exam, and clear a background check. Navigators provide free assistance with applications, documents, and general education about Marketplace rules. Worth Noting: While the 20-hour training course for a Navigator may provide a basic foundation, it is not the same as the licensing, ongoing training, and years of direct experience that professional health insurance agents offer.
Online Brokers Online Brokers (like e-Health and HealthSherpa) operate privately owned websites that let you browse and compare plans from multiple insurers at your own convenience, anytime. While these platforms can be convenient and may look easy to use, their services come with important limitations. These websites serve customers nationwide, not just Nevada. They do not specialize in Nevada health insurance plans or understand the nuances of Nevada Health Link, local doctor and hospital networks, or state-specific rules. If you have questions, or need help in the future, you will call a 1-800 number and speak with a random representative. The Reality Is: The price of your health insurance policy will always be the same, no matter where you buy it. Choosing to purchase your health insurance through an online broker does not save you money, it only means you lose out on personalized local guidance and ongoing support from a local, licensed health insurance agent. Read More: https://www.nevadainsuranceenrollment.com/insurance-agent/ -
Will My Health Insurance Cost More If I Use an Agent?
NO. We know people on social media say it will, and that using an agent will cost you more because they get paid a commission, but that is misinformation. The truth is, having an agent help and guide you doesn’t cost anything (the service we offer is FREE). The INSURANCE COMPANY pays the agent to assist you, and you will NOT pay a higher rate because of our help. It's All The Same Price The important thing to know is that no matter which path you choose, the price of your health plan will always be the same. Whether you choose to purchase on your own, online, or with the help of a licensed agent, your premium does not change. The agents services are always free. Choosing to purchase your health insurance without professional guidance doesn't save you money, it only means you lose out on personalized local guidance and ongoing support from a local, licensed health insurance agent. The real difference lies in the level of guidance and support you receive. Why Use a Health Insurance Agent? Professional health insurance agents help and guide you. With their knowledge and expertise, they take you step-by-step through the plans (from the available health insurance companies) and find the best plan for the best price. Local Agents Your Free Resource When it comes to choosing health insurance, nothing compares to the support of a local licensed health insurance agent. Our agents study every plan from every carrier available in Nevada, comparing cost, coverage, and benefits. We live in Las Vegas, and can manage everything for you – questions, communication, changes, authorizations, and claims. Why Work With Us? We are professional health insurance agents… it’s what we do. For over 15 years, Nevada Insurance Enrollment has specialized in health insurance. We are not seasonal staff or a faraway 1-800 number. We are local, licensed agents who study Nevada plans, guide you step-by-step, and stay with you for billing, claims, or membership questions long after enrollment. If you ever have questions, you will speak to your agent, the same person who already knows you and your situation.
Get Help From Professionals:
Friendly, Licensed and Knowledgeable
We are local…and only enroll Nevada residents. This makes us uniquely qualified to understand local doctor networks, health companies and plans. Our friendly, knowledgeable and licensed health insurance agents make it EASY to enroll and are available all year long year after year. The service we offer is FREE! The insurance companies pay us to help you.
Call today…we can discuss your options and then assist you in enrolling online.
Get FREE Help and Guidance:
Getting help from one of our licensed agents costs you NOTHING, and your insurance plan will NOT go up in price for getting this help. We assist with Government subsidized health insurance AND unsubsidized private market health insurance. Don’t navigate this by yourself! Insurance is confusing…let us guide you. Call for your appointment now, our slots are filling up fast.
Don’t Procrastinate:
If you call after January 15th to enroll into a health insurance plan, you will be sad to find out that you missed the time frame to receive a subsidy and enroll in a Qualified Health Plan. You’ll then need a life event (like getting married, having a baby, losing your insurance from your job/spouses job, divorce, moving to Nevada, etc.,) to enroll.
Getting the Right Health Insurance Policy with Nevada Insurance Enrollment:
As with any big purchase, the best way to ensure that you’re getting the best plan is to speak with one of our licensed insurance agents. We help you compare plans and prices and make sure that you’re getting a health insurance plan that will provide correct coverage for your health needs. Obviously, comparing plans is a huge challenge, particularly for those who aren’t industry experts dedicated to keeping up with the ever-changing health insurance laws. That’s why we are here, licensed, experienced, and friendly.
At Nevada Insurance Enrollment, our health insurance agents are here to help. While the new year is bringing significant changes to those signing up for health insurance, we make the signup process simple. From finding the right plan for the health needs of you and your family to working with your budget to ensure that your monthly premium isn’t a burden, we’re here for you. Our services come at no cost to you, making it an economical way to sign up for health insurance coverage with confidence. Contact us today to learn more about signing up for health insurance.