NO Subsidy

Health Insurance

Purchase Health Insurance

With NO Subsidy

OFF Exchange

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Home > Health Insurance > Health Insurance with NO Subsidy

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You Make Too Much Money

You Do Not Want a Subsidy

Why No Subsidy?

If you do not want a subsidy, or make too much money to qualify for a subsidy, you can shop for health insurance OFF Exchange (in the private market). In Nevada we have HMO, EPO, and PPO health insurance plan options available to enroll into. When you buy a health insurance plan in the private market, you don’t need to disclose your income or worry about updating your account throughout the year. You set it and forget it. In addition, the prices “OFF Exchange” are often less expensive than “ON Exchange”.

These plans are Qualified Health Plans that contain the 10 Essential Health Benefits that cover pre-existing conditions, no matter what the condition is.

Call for FREE Help

(702) 898-0554

Health Insurance Quotes

Health Insurance Agent

Call

Or… Just Call Us

(702) 898-0554

Fast and Easy – With Expert Help

One of our licensed agents will guide you step-by-step through your enrollment, answer your questions, and help you find the plan that’s right for you.

Begin Quote

click here

Continue Here

Finish Steps 3-4-5-6

You Have Already Completed

1). Calculate Your Income

This will determine your MAGI (Modified Adjusted Gross Income)

2). Determine Subsidy Eligibility

Using your MAGI, this chart will help determine if you qualify for a subsidy

Active Insurance Companies

Carrier Coverage by County

OFF Exchange

Health Plan of Nevada (HPN)

♦ HMO
♦ ON Exchange and OFF Exchange
♦ OFF Exchange: Clark, Nye, Washoe
♦ ON Exchange: Serving ALL Nevada 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

Kaiser Permanente

♦ Offering HMO & EPO in select counties
♦ ON Exchange and OFF Exchange
♦ Serving Carson City, Lyon, Washoe, Douglas, Storey

Anthem Blue Cross and Blue Shield

♦ HMO & EPO
♦ ON Exchange and OFF Exchange
♦ OFF Exchange – Carson City, Lyon, Washoe, Douglas, Storey, Nye, Clark
♦ ON Exchange – Serving ALL Nevada counties
♦ PPO only available for “Catastrophic” plans (under 30 years old)

Select Health

♦ HMO & EPO
♦ ON Exchange and OFF Exchange
♦ Serving Nye and Clark County

Imperial Health

♦ HMO
♦ ON Exchange and OFF Exchange
♦ Serving ALL Nevada counties

Molina Healthcare

♦ HMO
♦ ON Exchange only
♦ Serving ALL Nevada counties

CareSource

♦ HMO
♦ ON Exchange and OFF Exchange
♦ Serving ALL Nevada counties

Step #4
Select a Metal Tier

PLATINUM | GOLD | SILVER | BRONZE

Platinum

covers90%of your medical bills until you reach your out-of-pocket maximum

Gold

covers80%of your medical bills until you reach your out-of-pocket maximum

Silver

covers70%of your medical bills until you reach your out-of-pocket maximum

Bronze

covers60%of your medical bills until you reach your out-of-pocket maximum

Step #5
Compare Plan Networks & Coverage

Focus on What Matters Most

When researching health insurance plans or speaking with your agent

Review Key Coverage Details

Then evaluate the options that best fit your needs

Start With the Essentials

Doctors & Clinics:

Check that your preferred providers are in-network

https://www.nevadainsuranceenrollment.com/health/insurance-network/

Prescriptions:

Verify your medications are covered

https://www.nevadainsuranceenrollment.com/health/prescription-drug-formulary/

Hospitals & Urgent Care:

Make sure your nearby facilities are included

https://www.nevadainsuranceenrollment.com/health/emergency-room-urgent-care-difference/

Plan Type:

Decide whether you want an HMO, PPO, or EPO

https://www.nevadainsuranceenrollment.com/health/hmo-ppo-epo-differences/

Travel Coverage:

See if you’re covered when traveling or relocating

https://www.nevadainsuranceenrollment.com/health/health-insurance-traveling/

Compare Costs:

Deductibles:

How Your Deductible Affects Your Healthcare Costs

https://www.nevadainsuranceenrollment.com/health/deductible/

Copays:

What You’ll Pay At The Doctor’s Office Or Before Surgery

https://www.nevadainsuranceenrollment.com/health/co-payment/

Coinsurance:

Understanding How You and Your Insurance Company Share Medical Cost

https://www.nevadainsuranceenrollment.com/health/co-insurance/

Out-of-Pocket Limit:

How Your Out-of-Pocket Maximum Protects You From High Medical Costs

https://www.nevadainsuranceenrollment.com/health/pocket-maximum/

Then Consider Your Specific Needs

Chronic Conditions:

Coverage for ongoing care like diabetes, heart disease, or high blood pressure

Rehabilitation & Recovery:

Coverage for physical therapy, pain management, or post-surgery care

Behavioral Health Services:

Coverage for counseling, mental health, or substance abuse programs

Virtual Care Options:

Check if the plan includes telehealth or online visits, and whether your providers participate

Specialist Access:

Confirm that the types of specialists you may need (e.g., cardiologists, endocrinologists, orthopedists) are available in-network

Step #6
Select a Preferred Carrier

Health Insurance

From the Country's Top Insurance Companies

Pink circle with white letters inside spelling out ambetter. To the right says from SilverSummit health plan

(702) 898-0554

Begin Quote

click here

Let's Get You Enrolled

#1 - Call Us ⇒ to begin your enrollment / make appointment

#2 - Fill out a short questionnaire ⇒ to request a quote / make appointment

Fast and Easy Enrollment

Enrolling into a health plan is fast and easy when you call one of our licensed and experienced health insurance agents.

Get Advice and Guidance

From a Licensed Local Health Insurance Agent

That Specializes in Nevada Health Plans

Please Be Careful…

So many times, we see honest, hard working people buying what they think are Qualified Health Insurance Plans...

only to find out later that their plan isn’t what they thought it was.

Then, when they find themselves in the hospital, they suffer the consequences of not understanding what they purchased and being severely underinsured.

Once you’ve terminated your qualified health insurance plan, if you don’t have a life event, you won’t be able to sign up for a new plan until the next Open Enrollment.

If the plan you are considering purchasing is a limited benefit medical plan, mini-medical plan, discount plan, indemnity plan, short-term plan, or looks and appears to be “insurance”, but does not cover the 10 “Essential Healthcare Benefits” then you are most likely buying a plan that is NOT considered to be a “Qualified Health Plan”. We STRONGLY recommend you do your research on these types of plans. Do a Google search or look at Yelp reviews of companies that sell these plans.

⇓

People are Selling FAKE Health Insurance
https://www.nevadainsuranceenrollment.com/health/insurance-scams/

Make Sure You're Buying a Qualified Health Plan

Health Insurance Metal Plans - Gold-Silver-Bronze-Platinum

Qualified Health Plans are certified by Nevada Health Link verifying they provide the 10 essential health benefits. These plans follow required limits on how much you the member has to pay, and how much the insurance company pays. These health insurance plans meet rigorous requirements, including covering pre-existing conditions with no maximum lifetime or annual limits.

QHP’s (Qualified Health Plans):

Will Cover Your Medical Costs With NO Maximum Lifetime and Annual Limits

PLATINUM | GOLD | SILVER | BRONZE

♦ Platinum covers 90% of your medical bills until you reach your out-of-pocket maximum

♦ Gold covers 80% of your medical bills until you reach your out-of-pocket maximum

♦ Silver covers 70% of your medical bills until you reach your out-of-pocket maximum

♦ Bronze covers 60% of your medical bills until you reach your out-of-pocket maximum

Nevada's Premier Private Exchange

Where Nevadans Go To Enroll

Your Trusted Source for Private Health Plan Enrollment in Nevada

Proudly helping Nevadans find quality, affordable coverage for over 15 years

Nevada Health Link

Authorized Agent

Agent Search

National Association of Health Underwriters (NAHU)

Nevada Division of Insurance

Agent / Agency Search

Licensing Search

Nevada Insurance Enrollment

National Producer License #17264164

Resident Producer Firm License #952196

Health Insurance is Confusing

Let Us Guide You

Nevada Insurance Enrollment – Health Insurance Agency

Craig Valley Plaza, 4260 W Craig Rd #150-A, North Las Vegas

5.0 257 reviews

⊕ View All Reviews

⊕ Leave Us a Review

I am new to Nevada and Shelly made the process to aquire health insurance so easy. Very friendly and knowledgeable! Highly recommend contacting her 🙂
Caitlyn S ★★★★★ 6 months ago
Just wanted to jump on here and give Shelly a BIG shout out. She's the bees knees when it comes to helping you find the best health insurance that works best for your own health needs. We got duped by another agency and she was right there to help us get out of that and into a policy that worked better for us. I recommend her 100%. BIG hugs Shelly! Thanks again!
Jill T ★★★★★ 9 months ago
My husband and I moved to Nevada somewhat recently and Shelley Rogers has been a tremendous support system both out of state preparing for our move as well as during our adjustment period in a very new healthcare environment. She has spent hours with us reviewing our medical histories and presenting all plan options available in the market so my husband and I could choose the one most customized to our specific needs. She is always readily available to answer questions and offer advice based on most recent industry changes/information available. Shelly has proven to be a pleasant, helpful, reliable insurance professional.
SUSAN DUDAS ★★★★★ 9 months ago
Shelly Rogers is our insurance agent and she is amazing. She has been helping us since 2023 to find the perfect plan for us. She's extremely knowledgeable and friendly. We hope she doesn't go anywhere and that she'll be able to help us again when enrollment time comes back around.
Evelyn Moore ★★★★★ 10 months ago
Shelly is always professional, personal and helpful. And even though health insurance is not a fun topic and can be complicated, it’s nice to have someone to help I do trust her information and she tries to get me the information I need to make the best decision each year.
Amy Emerson ★★★★★ 10 months ago
Outstanding Service – Highly Recommend
Jonny Rogers and Shelly Rogers at Nevada Insurance Enrollment have been our health insurance agents for the past few years, and we couldn’t be happier with the care and service they provide. My husband, Jack, is on Medicare, and I currently have coverage through Nevada Health Link. They have guided us through every step with professionalism and genuine care.
Both Jonny and Shelly are extremely knowledgeable, friendly, patient, and truly caring. They take the time to explain options clearly and always make us feel confident that we’re making the best decisions for our health insurance needs. Their responsiveness and attention to detail are exceptional.
We have complete confidence in their expertise and highly recommend them to anyone looking for trustworthy and compassionate insurance agents. I’m already looking forward to my January appointment with them to discuss transitioning to Medicare when I turn 65 in May 2026.
Sincerely,
Jack and Phyllis Mendes
phyllis mendes ★★★★★ 11 months ago
Shelly Rogers with Farmers Insurance is second to none and hands down the most amazing insurance professional I have ever worked with! She makes finding the best plan to suit my budget and my needs every year a breeze. With all the annual plan changes, Shelly breaks it down for me so I fully understand my coverage and the pros and cons of the different plan options. Her knowledge and experience are second to none and her warmth and upbeat personality make her a joy to do business with. I recently moved to Arizona, so could no longer use her Nevada based services, but recommend her wholeheartedly to friends, family and anyone in Nevada in need of a trustworthy insurance expert.
Leanne Kasper ★★★★★ 11 months ago
Michael Huntsman ★★★★★ 10 months ago
From the start Shelly was on it with product knowledge for both my self and wife. Guided us through the many options ensuring we got what was best for us. Appreciated all she did
Tim Barnett ★★★★★ 11 months ago
Shelly and Jonathan and the whole office are incredibly helpful. They have spent so much time on the phone with me walking me through everything I need to know to make sure my insurance is correct. I could not ask for better customer support, they have been such a huge blessing.
Ashley and Daniel Newell ★★★★★ a year ago
Shelly is super knowledgeable, straight to the point and looks out for client. Blows away my 2 other agents who were useless and steered me wrong direction.
Be patient with her as she is super busy.
David Hwu ★★★★★ a year ago
I only have good things to say about Nevada Insurance Enrollment. First of all Jonny has been nothing short of exceptional professionalism. He has shown kindness with a strong genuine desire to be helpful. I'd highly recommend this business to others!
Darell Cook ★★★★★ a year ago
Shelly was phenomenal to work with in meeting my insurance needs. She answered all my questions, was extremely knowledgeable, and even corrected some misinformation I had been given.
I now have peace of mind with my insurance and know that if anything changes, Shelly is just a phone call away. I highly recommend Shelly for you Nevada Insurance Enrollment needs.
Heather Black ★★★★★ 3 years ago
The first time I met Johnny , I had walked in frustrated from trying to navigate the application process. He sat with me and explained my options, and got me enrolled.
This year was so easy- making the appointment, receiving reminders, and going over options. I was in and out in 20 minutes. If you're looking for a referral, look no farther. This office is great.
Carol Falls ★★★★★ a year ago
Shelley is the best!
Michael Lopas ★★★★★ a year ago
Received great service and everything was efficient and quick. Great customer service and Johnny was very helpful in helping me get my insurance set up.
Racheal Rickman ★★★★★ a year ago
Jonny Rogers has been our health insurance agent for a few years now. Jonny and his staff provide the best customer service, knowledge of health insurance plans and professionalism! My wife and I are completely satisfied with the service we have received! We highly recommend!
Thomas Barr ★★★★★ a year ago
Always helpful and knowledgeable
Christine Geis ★★★★★ a year ago
Have my Health insurance thru Nevada Insurance Enrollment. Jonny is my agent, seems very knowledgeable and gets me the best coverage for my money. I have also called their office at times with questions and have gotten the answers I needed Everytime. "Five Stars" for Nevada Insurance Enrollment.
Steve Uthe ★★★★★ a year ago
Highly Recommend Shelly and Jonny they are very informative and very knowledgeable on all the plans available. They will definitely be able help you with all of your insurance needs. Whether you are looking for Medicare, private insurance, Government subsidy programs, or anything else.
brenda albright ★★★★★ a year ago
Jonh is the best. Every year he always follow up with our insurance and give us a good advice , Our family been doing insurance with him for five years now And he still excellent customer service
Vivi Kiki ★★★★★ a year ago
I am so grateful for Jonny‘s consistent efficiency, kindness, and responsiveness to my needs, particularly regarding insurance issues. His respectfulness approach and valuable services are greatly appreciated.
cheri montgomery ★★★★★ a year ago
Very professional,very helpful and knows how to direct you to make good decisions.
Jeff Gorven ★★★★★ a year ago
Jonny was great! He took the time to explain my insurance options and he listened to what my needs were. He definitely guided me in the right direction.
wendy cardinale ★★★★★ a year ago

Don’t Live Nearby?

Kicking back on the patio? At the pool?

Still in your pajamas?

No Problem!

We Can Enroll You Remotely

We help clients all across Nevada. Whether you’re in Las Vegas, Reno, or anywhere in between.

You can enroll right from home! Call us, hop on a video chat, or join a secure screen-share session where you’ll see your agent’s screen as they walk you through every step of your enrollment.

Health Insurance

♦ Individual / Family

♦ Obamacare

♦ Subsidy Chart

♦ NV County Map

Medicare Insurance

♦ Medicare

♦ Medicare Advantage

♦ Medicare Supplement

Property & Casualty

♦ Auto

♦ Life

♦ Homeowners

♦ Renters

Other Insurance

♦ Dental & Vision

♦ Group Health

♦ Travel

♦ Short Term

♦ Medicaid

Health Insurance Quote

NO Subsidy

Health Insurance

Purchase Health Insurance

With NO Subsidy

OFF Exchange

Why No Subsidy?

Call for FREE Help

(702) 898-0554

Health Insurance Quotes

Health Insurance Agent

Or… Just Call Us

(702) 898-0554

Fast and Easy – With Expert Help

One of our licensed agents will guide you step-by-step through your enrollment, answer your questions, and help you find the plan that’s right for you.

Begin Quote

PLATINUM | GOLD | SILVER | BRONZE

Platinum

covers90%of your medical bills until you reach your out-of-pocket maximum

Gold

covers80%of your medical bills until you reach your out-of-pocket maximum

Silver

covers70%of your medical bills until you reach your out-of-pocket maximum

Bronze

covers60%of your medical bills until you reach your out-of-pocket maximum

Focus on What Matters Most

When researching health insurance plans or speaking with your agent

Review Key Coverage Details

Then evaluate the options that best fit your needs

Start With the Essentials

Doctors & Clinics:

Check that your preferred providers are in-network

Prescriptions:

Verify your medications are covered

Hospitals & Urgent Care:

Make sure your nearby facilities are included

Plan Type:

Decide whether you want an HMO, PPO, or EPO

Travel Coverage:

See if you’re covered when traveling or relocating

Compare Costs:

Deductibles:

How Your Deductible Affects Your Healthcare Costs

Copays:

What You’ll Pay At The Doctor’s Office Or Before Surgery

Coinsurance:

Understanding How You and Your Insurance Company Share Medical Cost

Out-of-Pocket Limit:

How Your Out-of-Pocket Maximum Protects You From High Medical Costs

Then Consider Your Specific Needs

Chronic Conditions:

Coverage for ongoing care like diabetes, heart disease, or high blood pressure

Rehabilitation & Recovery:

Coverage for physical therapy, pain management, or post-surgery care

Behavioral Health Services:

Coverage for counseling, mental health, or substance abuse programs

Virtual Care Options:

Check if the plan includes telehealth or online visits, and whether your providers participate

Specialist Access:

Confirm that the types of specialists you may need (e.g., cardiologists, endocrinologists, orthopedists) are available in-network