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On Exchange

Health Insurance purchased ON Exchange is simply enrolling on the Government’s Marketplace website (Nevada Health Link). Depending on your household income, you may or may not qualify for financial assistance (subsidy) in paying for your health insurance plan. If you...

Modified Adjusted Gross Income (MAGI)

How To Figure Your MAGI Modified Adjusted Gross Income ​ Calculating “INCOME” When you apply for a “Subsidy” you’ll need to estimate your income (before taxes) for the year in which you’re applying for insurance. If you are not sure, you’ll have to make your best...

Health Insurance Subsidy

aka Advance Premium Tax Credit What is a Health Insurance Subsidy? A “Subsidy” is a special tax credit that you can take to help lower the cost of your monthly health insurance premiums. If you qualify for a Health Insurance Subsidy, it’s kind of like getting a gift...

Preferred Provider Organization (PPO)

A PPO (Preferred Provider Organization) is a type of health insurance plan that offers a larger network (generally speaking), so you have access to more doctors and hospitals. Your out-of-pocket costs can be higher with a PPO than with an HMO or EPO plan. You will...

Exclusive Provider Organization (EPO)

A EPO (Exclusive Provider Organization) is a type of health plan that offers a local network of doctors and hospitals for you to choose from. A EPO can be described as somewhat of combination of a PPO and HMO. You don’t have to select a primary care doctor, and you...

Health Maintenance Organization (HMO)

HMO (Health Maintenance Organization) is a type of health insurance plan that has a group of local doctors and hospitals for you to choose from. You must choose a Primary Care Doctor (General practice, Internal Medicine, Family Practice, OB/GYN, Pediatrician) as your...

Qualified Life Event (QLE)

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...
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