Health Insurance
Individuals & Family
Shop Health Insurance Plans
Select From The Nation’s
Top Health Insurance Companies
(702) 898-0554
Home >
What Is Health Insurance?
Health insurance helps cover the high cost of medical and surgical expenses. It helps pay for health care and protects you from paying the full costs of medical services when you’re injured or sick.
Unlike group insurance you get from your employer or spouse’s employer, individual and family health insurance you purchase on your own. When you buy health insurance on your own, it is a private health insurance plan.
Similar to choosing other types of insurance like auto, homeowners or life insurance, you can choose from a variety of insurance companies and many levels of plan coverage (Platinum, Gold, Silver, Bronze) to meet your budget and health care needs. Health insurance plans vary in deductibles, co-pays, prescription costs, monthly premiums, doctor networks and hospitals etc.
Don’t worry; we know this can get confusing. We encourage you to call us and speak with one of our friendly, knowledgeable, and licensed health insurance agents. We will take you step-by-step through the enrollment process (from the available insurance companies here in Nevada) and find the one best suited for you.
Call or Click to Receive a Quote
(702) 898-0554
Click to QuoteHealth Insurance Agent
Health Insurance Quotes
Call for FREE Help
(702) 898-0554
NO Subsidy
Health Insurance
OFF Exchange
WITH a Subsidy
Health Insurance
ON Exchange
Medicaid
Health Insurance
for low income families
Short Term
Health Insurance
low cost, affordable
1). By Phone
(702) 898-0554
get a quote
2). Online Quote
2). In Person
4260 W. Craig Road #150-A
N. Las Vegas, NV 89032
3). Online Quote
3). In Person
4260 W. Craig Road #150-A
N. Las Vegas, NV 89032
Nevada Health Link
Obamacare
Health Insurance Open Enrollment has Begun
You Can Only Buy Health Insurance During This Time
November 1st, 2024 through January 15th, 2025
{ unless you have a ‘Life Event’ }
Call today to book an appointment with a licensed agent
After 1/15/2025 you will need a "Life Event"
→CLICK FOR DEFINITION← to get an insurance plan.
Days Until the End of Open Enrollment
Day(s)
:
Hour(s)
:
Minute(s)
:
Second(s)
Changes for 2025
BIG NEWS! This is HUGE!
Since November 1st, 2022…
The “Family Glitch” Has Been Removed for Family Members with Employer Sponsored Health Insurance Coverage.
If you were denied a subsidy because your spouse had employer coverage, this rule change is for you!
All additional family members may now qualify for a government subsidy.
What does this mean? Family members are NO LONGER BLOCKED from getting a government subsidy just because their spouse had health insurance coverage through their employer.
read more about the "Family Glitch" - click to open/close
The Employer “Family Glitch” has been removed!
All additional family members may now qualify for a government subsidy.
Now Get A Government SUBSIDY!
Affordable Health Insurance Within Reach for More Families
About half of the U.S. population gets their health insurance through their employer. This provides a wonderful benefit to the employee, because a minimum of ½ (50%) of the total cost of that health plan for that employee must be covered by the employer, if the employer offers group health insurance to their employees. In many cases, employers pay more than 50% of their employees’ premium, and the rest is paid by the employee.
When you combine what the employer pays, and what the employee contributes out of their paychecks, this makes the overall dollars spent on a health plan higher. This generally will give the employee a much better health insurance policy than they normally would if the employee had purchased it on their own.
Across the country, employers cover an average of 83% of the employees’ health insurance costs. Many employers, however, do NOT contribute anything towards the spouse and kids’ portion of the health insurance premium. Employers are not required to help pay for spouse and children. But because of rules, employers are required to OFFER to spouse and kids, but they are not required to PAY for spouse and kids. This makes the amount of premium the employee would have to pay to cover their spouse and kids extremely expensive! Because the spouse and kids are full price.
What Is the Family Glitch?
So, here’s the rub. Up until now, for the past few years since the Affordable Care Act was passed in 2010, if an employee was “offered” health insurance through their employer-based plan, in almost all cases, the spouse and children would be BLOCKED from qualifying for a government “subsidy” (government helps pay). It didn’t matter if the employee enrolled into the employer’s health insurance or not, they would still be blocked from a subsidy. The options for this family were: they could pay full price for their employer group plan for the spouse and kids, enroll in a private plan for spouse and kids, or enroll into a Marketplace plan for the spouse and kids (but they would be paying full price). Only a very small percentage of these Nevadan’s spouses and kids’ could qualify for a subsidy, because the employee’s plan was considered “unaffordable”. The reason they could not get a subsidy is because the employer’s health plan was considered “affordable” to the employee, and the employers affordable health plan to that employee would BLOCK their spouse and kids from qualifying for a government “subsidy”. This was the “Family Glitch”.
Time To Celebrate!
In October of 2022 the Treasury Department announced new rules to the American Rescue Plan Act, stating that starting on 1/1/2023 employees that are offered “affordable” health insurance by their employer, their family members may now qualify for a subsidy! “Affordability” is calculated in a way that the health insurance plan costs the family less than 9.12% of their household income. This household income will determine what amount of subsidy the family would qualify for, then the family can decide what health plan they’d like to enroll into. This is such a huge deal! We’ve seen so many families that desperately needed the tax subsidies, but because of this family glitch, the family members of the employee were not eligible. Many of these Nevadan’s had pre-existing conditions that really needed coverage, and this put the employee in a situation that made them think twice about their employment.
Advanced Premium Tax Credit
This subsidy is called an “Advanced Premium Tax Credit”, meaning, in advance of your premium being due on the 1st of every month, your health plan premium will be reduced in the form of a “subsidy,” which is based on factors such as your family size and income. You’ll only pay a percentage of your income for your health insurance plan. The higher the income the lower the subsidy, the lower the income the higher the subsidy. Be careful to report and state the correct and accurate income the very best you can, because you’ll have to account for your stated household income (and the overall amount of subsidy dollars you took) to the IRS, in the following year.
Who Benefits from the New Rules and gets to Celebrate?
In the past few years, if employed Nevadans that had group health insurance were super lucky, (probably less than 5% of the population) where the employee’s portion of the health insurance was considered “unaffordable”, (this means that the employee’s portion of their health insurance premium must be considered unaffordable), then the spouse and kids could get a subsidy to help pay for their health insurance, but this occurrence was very rare. Under the new rules, the affordability of employer-subsidized health insurance is based on the cost of insuring the entire family, not just the employee. There are estimates that the new rules will put affordable health insurance within reach of about a million people nationwide. The new rules go into effect for families who apply for 2023 coverage during this years open enrollment period – November 1st, 2022, through January 15th 2023.
How We Help You For FREE – Nevada Insurance Enrollment
Finding health insurance coverage that fits your needs and budget can be challenging, and ever-changing rules can make it confusing to determine what you qualify for. Our agents study the different insurance companies’ health insurance plans and options each year. They know what HMO, EPO, and PPO options are available from each insurance company. They know how the plans work, how the coverage works, what coverage you’ll have outside of Nevada, can answer difficult questions, and help with situations that may need additional research.
At Nevada Insurance Enrollment, our health insurance agents are knowledgeable, patient, caring, and can help you determine whether you may benefit from the new rules regarding the family glitch, and if you can save money by purchasing health insurance through Nevada Health Link. Our services are free to our clients. We are paid by the insurance companies to assist Nevadans into health plans that work best for them, and your insurance premiums will not go up in price one cent for using our assistance. Your plan will cost you the same with or without assistance. It only makes sense to get the help you deserve from a licensed agent. Call us today at (702) 898-0554 for an appointment in person or over the phone.
In addition…
No More Subsidy Cliff
More Americans are now eligible for a Health Insurance subsidy with The American Rescue Plan Act
So Important – MUST READ!
No More Subsidy Cliff for those making over 400% of the Federal Poverty Level
Now, higher income individuals are qualifying for a Government subsidy
read more about "Subsidy Cliff" - click to open/close
Health Insurance Subsidy Cliff
No More Subsidy Cliff for those making over 400% of the Federal Poverty Level.
For the first time, many Nevadan’s (those making over 400% of the Federal Poverty Level), may now be eligible for a health insurance subsidy! Plus, for existing members, the rate you are paying will most likely decrease.
For instance, if you were a 60 and 61 year old married couple, and your income was projected to be over $68,960 in 2021 you would not have qualified for a tax credit. Now, since the changes, that same couple making $80K per year would qualify for $1007 per month. This is HUGE!
You can now get a Government subsidy to help you pay for your health insurance premiums. Before these changes, if your income was over $51,040 for a single person in tax year 2021, or $104,800 for a family of 4, you were not eligible for a tax subsidy.
Now there is no income limit to receive these subsidies. The subsidy amount gradually slopes off to be no more than 8.5% of your household income (Modified adjusted gross – for most people, their “Adjusted Gross Income”). So, for many Nevadan’s, they’ll now be eligible for tax credits!
Also in this new law (and this is ONLY for tax year 2020), if you ended up making more than you estimated for tax year 2020, you will not be required to pay back those subsidies.
FREE or NEARLY FREE Health Insurance for any employee who lost their job and collects unemployment any time in 2021. For the tax credit, no matter how much they make on unemployment or otherwise, their income won’t be counted higher than 133% of the federal poverty level. If you are collecting unemployment for 2021, it’s most likely beneficial to apply for Obamacare than Cobra. Why? Free Cobra payments are only good for 5 months, but with Obamacare, the Free to nearly Free health plans are good all year!
These changes do not apply to those Nevadan’s that have jobs that offer insurance to their employees and their families (whether they take their employer, spouses’ employer, parents insurance or not).
Call our office, we can answer your questions, assist you with any changes to your current plan, or help you apply for these new subsidies.
2025 Health Insurance
1). WITH a Government Subsidy:
Where the Government helps you pay your premiums (You must qualify, based on your income and family size). If you want to apply for a Government subsidy,→CLICK FOR DEFINITION← you’ll be enrolling into a health insurance plan “On Exchange”, which is where you enroll.
Click the bluebutton to enroll into a Government subsidized plan.
OR
2). With NO Government Subsidy:
You don’t qualify for a Government subsidy →CLICK FOR DEFINITION← because you make too much money yearly, OR you just don’t want a subsidy. No questions on income are required. If you want to buy your own plan without a Government subsidy, or know you won’t qualify for Government help because you make too much money each year, you can shop and enroll into health insurance “Off Exchange”, which means you are buying a health insurance plan in the private Market with no subsidy.
Click the yellowbutton to enroll into a private plan.
OR
3). Medicaid:
Medicaid is a joint State/Federal health insurance program that is administered by the State. It provides health coverage for low-income individuals, especially pregnant women, children and the disabled. The Division of Welfare and Supportive Services (DWSS) determines eligibility for the Medicaid program.
Click the redbutton to enroll into a Medicaid plan.
OR
4). Short Term Health Insurance:
Lower Cost, Affordable
These are REAL PPO (Nationwide Coverage) Health Insurance plans…
These health insurance plans will look at your preexisting conditions→CLICK FOR DEFINITION← These plans work best for those individuals and families that don’t have pre-existing conditions. Short Term Health Insurance is not compliant with the Affordable Care Act.
♦ These plans DO NOT cover pre-existing conditions, most wellness visits, mental health, others.
♦ These plans DO cover hospitals, surgery, outpatient procedures, doctors, specialists, radiology, urgent care, emergency room, labs, ambulance, DME, home health care, supplies, prosthetics, rehabilitation, radiation and chemo, transplant expense, others.
Click thegreenbutton to enroll into a low cost plan.
1). By Phone
(702) 898-0554
get a quote
2). Online Quote
2). In Person
4260 W. Craig Road #150-A
N. Las Vegas, NV 89032
3). Online Quote
3). In Person
4260 W. Craig Road #150-A
N. Las Vegas, NV 89032
Call for FREE Help
(702) 898-0554
Not Sure Which To Choose?
If you’re not sure, you may calculate your Modified Adjusted Gross Income→CLICK FOR DEFINITION←and use the Health Insurance Subsidy Chart below to gauge if you may or may not qualify for a Health Insurance “Subsidy“. If you don’t qualify for a Government Subsidy you’ll want to look at options OFF Exchange. This way you’ll know if you want to buy health insurance through Nevada Health Link, or if you want to shop for a Health Insurance plan privately, without the Government subsidy. Call us for help either way.
To receive a subsidy “On Exchange,”→CLICK FOR DEFINITION←you must apply during “Open Enrollment” (which is November 1st through January 15th). The only exception to this is if you have a Qualifying Life Event→CLICK FOR DEFINITION.←
It is more important than ever to speak with a licensed health insurance agent
Now, even higher income individuals will possibly qualify for a Government subsidy.
New Rules… Great Benefits!
In previous years with the “Subsidy Cliff,”→CLICK FOR DEFINITION← if your income was higher than 400% of the Federal Poverty Level, you would not be eligible for a subsidy. Now that subsidy “cliff” no longer exists, and subsidies taper off until the subsidy is gone. You are eligible for a subsidy up until the full cost of the State of Nevada’s “Benchmark plan” (which is the second lowest cost Silver plan offered) costs less than 8.5% of your total household income.
For example: If you were a 60 and 61 year old married couple, and your income was projected to be over $68,960 in 2021 you would not have qualified for a tax credit (subsidy).Now, since the changes, that same couple making $80K per year would qualify for $1007 per month!
It isVERYimportant you are honest and accurate when stating your income. The amount of premium assistance (subsidy) depends on age, where you live, household income, and size of household.
Step #1
Start With Your Income
Follow These Four Steps
1). Calculate Your Income
This will determine your MAGI (Modified Adjusted Gross Income)
2). Use the Health Insurance Subsidy Chart Below
Using your MAGI, this chart will help determine if you qualify for a Subsidy
3). Select Your Category
Choose the insurance category you qualify for
4). Select Available Insurance in Your County
Using the state map, choose the insurance company you would like insurance from
How To Figure Your MAGI
Step #2
Use the Subsidy Chart
to see if you qualify
Be Careful Here
You do not want to understate your income or you could end up owing money to the IRS.
For example, if your premiums are $1,000/month and you get an Advanced Premium Tax Credit of $800/month only paying $200/month for your health insurance. When you do your taxes and file your tax return each year, the Government will check your income. If you were only supposed to receive an Advanced Tax Credit of $700/month instead of $800/month, you’ll owe the IRS an extra $100/month x 12 months which would equal $1,200 that you would owe the IRS.
The Advanced Premium Tax Credit is an “estimation” of your pre-tax credit, so if you’ve received too much “credit,” you’ll end up paying it all back, or a portion of it back. Your percentage of Federal Poverty Level determines this.
Call for FREE Help
(702) 898-0554
2025 Health Insurance Subsidy Chart
by household size and income
⇓
The chart below lists the income numbers the IRS will use for “subsidy” eligibility.
* The annual subsidy amounts change in January of each year
* NOTE: You can buy a plan outside of the “Marketplace” that doesn’t have a subsidy
Step #3
Choose Type of Insurance
Call for FREE Help
(702) 898-0554
1). If your income falls anywhere in between the 3rd column and the last column, and you would like to apply for a health insurance plan WITH a Subsidyclick the blue button.
WITH a Subsidy
OR
2). If your income is greater than the last column, or you do not want a Subsidized Government plan, click the yellow NO Subsidy“button.
With NO Subsidy
OR
3). If your income is less than 138% (see chart above), you may qualify for Medicaid. Click the Red button for Medicaid. If it turns out you do not qualify for Medicaid after applying, come back to this page and click the blue “Subsidy” button.
Apply for Medicaid
OR
4). Short Term Health Insurance. Click the Green button for lower cost, affordable Short Term Health Insurance.
Short Term
Customers Are Complaining They Are Paying More For Insurance Than Their Neighbors!
Please Note: There are many factors involved in determining what you will pay when purchasing health insurance. Each person/family situation is unique: income, number of family members, zip code, if they smoke, who is working, age of each family member, what insurance company you choose, the coverage level (Plantinum/Gold/Silver/Bronze) etc. The only way to determine what you’ll pay is to apply.
Health Insurance Quotes
2). Online Quote
3). In Person
4260 W. Craig Road #150-A
N. Las Vegas, NV 89032
#4
Select Insurance Company
in Your Area
Current Active Insurance Companies in Nevada
Carrier Coverage by County
Showing Both ON & OFF Exchange
Call for FREE Help
(702) 898-0554
Health Plan of Nevada (HPN)
♦ HMO
♦ ON Exchange and OFF Exchange
♦ Serving Washoe, Clark and Nye counties
Sierra Health and Life
♦ EPO
♦ OFF Exchange only
♦ Clark County only
Ambetter from Silver Summit
♦ HMO
♦ Referrals to see a specialist are not required
♦ ON Exchange and OFF Exchange
♦ Serving ALL Nevada counties
Hometown Health
♦ Offering HMO & EPO in select counties
♦ ON Exchange and OFF Exchange
>> ON Exchange (HMO only) Carson City, Lyon, Washoe, Douglas, Storey
>> OFF Exchange (HMO, EPO) Carson City, Lyon, Washoe, Douglas, Storey
Anthem Blue Cross and Blue Shield
♦ HMO & EPO
♦ OFF Exchange - Nye and Clark County
♦ ON Exchange - Serving ALL Nevada counties
♦ PPO only available for “Catastrophic” plans (under 30 years old)
Select Health
♦ HMO & EPO
♦ ON Exchange only
♦ Serving Nye and Clark County
Aetna
♦ HMO
♦ ON Exchange only
♦ Serving Washoe, Nye, and Clark County
Imperial Health
♦ HMO
♦ ON Exchange only
♦ Serving Washoe, Nye and Clark County
Molina Healthcare
♦ HMO
♦ ON Exchange only
♦ Serving Washoe, Carson City, Douglas, Storey, Lyon, Nye and Clark County
Keep Scrolling
for Additional Help
♦ Choosing a Specific Doctor
♦ HMO, PPO, EPO
♦ Prescriptions
Additional Steps
If you want a particular insurance company, a specific doctor, or need certain medications; additional steps are below.
Get Help When Selecting a Health Plan
At NO cost…absolutely FREE!
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. Understanding your plan is more than co-pays and deductibles.
Why Do I Need Health Insurance?
♦ It helps protect your family’s health and financial well being
♦ Added cost reduction from “negotiated pricing” agreement the insurance companies have with doctors and hospitals helps you!
♦ Because accidents and health problems can happen at any time
♦ Healthcare expenses are the number one cause of bankruptcy
♦ Since 1/1/2014 it is the Law that ALL Nevadans MUST have Qualified Health Insurance →CLICK FOR DEFINITION← that has Minimum Essential Coverage. Unless you are Exempt.
♦ Even though the Affordable Care Act is still the law of the land (requiring all Americans to have a qualified health insurance plan with 10 “Essential Health Benefits“), after tax year 2019 there will no longer be a tax penalty for not having one.
Call for FREE Help
(702) 898-0554
Buying Health Insurance in Nevada
Nevada residents concerned that they can’t afford health insurance should absolutely call us. With the passage of the Affordable Care Act (ACA) also known as “Obamacare”, there are many programs and features of the ACA that assist with the cost of health insurance for those who qualify, like Medicaid and CHIP→Click Hereplus the Advanced Premium Tax Credit and Cost Sharing Reductions →Click Here to find out more .
Outside of Open Enrollment→CLICK FOR DEFINITION←you can still get a Qualified Health Plan if you have a Qualifying Life Event.
In addition, now in Nevada, we have other Low Cost options →Click Hereto find out more.
Focus On The Most Important Things
When researching and looking for a health insurance plan, you’ll need to focus on the big things first.
How many doctors and specialists and hospitals are in the “network“? Is my doctor in the network? Do you want a PPO or a HMO? Can I travel with this insurance plan? Is my prescription covered in the insurance plan’s PDL (Prescription Drug List) called a formulary?→CLICK FOR DEFINITION←Let’s break down each of these questions.
A Network:
Is a group of providers→CLICK FOR DEFINITION←which could be hospitals, doctors, labs, radiology centers, urgent care’s, etc., that have contracted with an insurance company on many things including pricing. So having a large network, with many choices for “providers” to choose from can be important. It’s always important, however, to make sure that you get prior authorization→CLICK FOR DEFINITION←for services that require prior authorization, for certain tests, prescriptions and procedures. If you don’t get prior authorization for a procedure, test, or prescription, you may have to pay that bill in full out of your own pocket.
Is my doctor in the network?:
Seems like a basic question, but it’s important to remember to ask us to check for you when you call.
Call for FREE Help
(702) 898-0554
Can I travel with this insurance plan?:
A PPO will allow you to see doctors without needing to get a referral to see who you want to see. You’ll always want to try and stay within that PPO’s provider network. This is true for all services: X-rays, labs, hospitals, ER’s, etc. You can go OUT of the PPO Network, but you’ll pay more for those services. An HMO health insurance plan will require you to stay within the insurance company’s network, and you must get a referral from your primary doctor to see a specialist. You cannot go outside of the HMO network, except for very serious emergencies.
What is a HMO?:
A HMO is a Health Maintenance Organization which 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 primary doctor to visit, and you must see your primary and get referrals to see specialists from your primary doctor to have any tests or procedures done. A HMO usually has lower monthly premiums than a PPO. A HMO may be right for you if you’re comfortable choosing a primary doctor, also called a PCP, to coordinate all of your health care.
What is a PPO?:
A PPO, is a Preferred Provider Organization. It’s a type of health 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 have network doctors and hospitals (depending on the network) which are contracted with the insurance company to accept lower payments. Or, you may see providers that are out of the network, but you’ll pay more for out of network providers. You can see providers in and out of a network if you choose.
What is an EPO?:
An EPO, is an Exclusive Provider Organization, which is a type of health plan that offers a local network of doctors and hospitals for you to choose from. An 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 may see any of the providers in the EPO network, but there are no out of network benefits. If you choose to get care outside of your plan’s network, you will pay full price, there is no coverage, unless it’s an emergency. If you’re looking for lower monthly premiums, and are okay with using local doctors and hospitals, but don’t want to have to get referrals for specialists, you may want to consider an EPO plan.
Is my prescription covered in the formulary?:
What is a Formulary?:
A “formulary” is a list of medications that are covered by your insurance plan. It is a list of generic and brand medication. Your copay→CLICK FOR DEFINITION←that you’ll pay will depend on the “Tier“. The higher the tier,→CLICK FOR DEFINITION←the more you’ll pay. A Tier 1 medication is generally a generic medication and is the cheapest copay you’ll pay of the medications covered by your insurance plan. A Tier 2 medication will have a higher copay and can be a more expensive generic medication and/or a cheaper brand medication. A Tier 3 medication is an even higher copay and is usually a more expensive brand medication and/or very expensive generic. Some insurance plans can have 4, 5, and even 6 Tiers. It’s important to make sure that you fill your prescriptions “in network”.
What is a Prescription Deductible?:
Some health insurance plans will have a Prescription Deductible→CLICK FOR DEFINITION← This means you must pay the full price of the medication until you’ve paid the deductible. Once you’ve paid the prescription deductible, then you’ll most likely just have to pay your copay. Sometimes they’ll have a prescription deductible to pay on Tiers 3, 4 and 5 and no prescription deductible for Tiers 1 and 2. This is important to pay attention to, especially if you take medications now.
If your doctor wants you to have a medication that is not on your insurance plan’s formulary, you may need to have your doctor ask for prior authorization of the medication or take your formulary into the doctor and have them choose one that is on the list.