WITH a Subsidy
Health Insurance
Purchase Health Insurance
WITH a Subsidy
ON Exchange
Qualifying for a Government Subsidy
(Financial Assistance)
If you qualify for a Health Insurance Subsidy (financial assistance), it’s kind of like getting a gift card from the Government to help you pay your health insurance premium. This subsidy is sent directly to the insurance company, which pays a portion of your premium, and you will be responsible to pay the remaining balance.
The only way to get a subsidy is to get a health insurance plan through Nevada Health Link (we will walk you through this).
Be careful not to get TOO MUCH subsidy. At the end of the year, the IRS will adjust what you’ve received, and what you should have received, and if you ended up getting too much subsidy, you’ll have to pay it back. If you didn’t get enough subsidy, you’ll get it back on your tax return. If your income goes up or down, or you had changes to your family, you need to notify us immediately so we can make the necessary changes. We can help you with this.
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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
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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
On This Page
Begin comparing plans and selecting your coverage:
PLUS… check for‘ADDITIONAL’benefit eligibility
3). Location Options
Use the Nevada counties map to verify insurance availability
4). Select a Metal Tier
Choose between Platinum, Gold, Silver, or Bronze levels to balance your monthly premium with your potential out-of-pocket costs.
5). Compare Plan Networks & Coverage
Verify doctor and hospital networks, prescription coverage, and available urgent or emergency care.
6). Select Insurance Company & Plan
Compare available insurers and plans, reviewing premiums, deductibles, co-pays, coinsurance, and out-of-pocket maximums.
Before You Continue
Get Additional Financial Assistance!
Do You Make Less Than 250% of the Federal Poverty Level?
You May Qualify for Extra Savings Through a Cost-Sharing Reduction
Call for FREE Help
(702) 898-0554
This is anADDITIONALBenefit That Works Alongside Your Subsidy
Lowering Your Deductibles, Copays, and Out-of-Pocket Costs
⇓ – Check the 3 columns highlighted in blue (138% to 200%) – ⇓
If your family size and income ranks you under 250% of the Federal Poverty Level you are most likely going to be eligible for additional assistance to reduce your overall out of pocket medical expenses like lower deductibles, and/or co-insurance, and/or out of pocket maximum, and/or co-pays. You must apply, and the enrollment process determines if you are eligible for the additional Cost Sharing Reduction.
This benefit is only available when you buy a “Silver” plan
Don’t Miss Out on This Added Benefit!
If your income is under 250% of the Federal Poverty Level, this Cost Sharing Reduction will cover more of your portion of the medical expenses. So in addition to getting the Advanced Premium Tax Subsidy, you’ll also have reduced deductibles, co-pays, and co-insurance.
If your income is under 250% of the Federal Poverty Level, this is a very important financial benefit you’ll want to take advantage of!
IMPORTANT! ⇒
Sadly, we’ve seen Nevadan’s enroll into a health insurance plan WITHOUT help from a broker/agent. They buy the cheapest health plan available, shopping for the cheapest premium possible, and remove themselves from being eligible for the Cost Sharing Reduction.
If they simply understood this benefit, in some instances for just a few dollars more a month, their deductible could go from around $7000 (example) down to sometimes as low as $0!
Considering there is no charge for an agents assistance, it just makes sense to use a professional.
Report All Changes ASAP
Reporting Changes to Your Household
It is VERY IMPORTANT to stay on top of your account when you get a subsidy from the Government. If your “Household” changes (including your income), you’ll need to update your account by contacting us.
Household Size and Income
Eligibility for a subsidy and additional help called cost-sharing reductions is based on annual household income and size of your household.
Do you have changes to your family size or income?
Call us to update your info.
A Message From The IRS
We recommend you watch this video.
It’s VERY informative
Stay Up to Date
If your ‘Household’ changes (family members on your tax return) like having a baby, getting a divorce, getting married, or adoption, etc. Changes to your ‘Income’ like getting a job with benefits, lose your job with benefits, have an increase or decrease in your income… any changes to your income or changing from Part Time to Full Time or Full Time to Part Time. These household changes you’ll need to update your account by contacting us as your licensed health insurance agent.
The reason for this is because when you file your taxes next year, for this year, the IRS will look back at your overall household income and family size. If you received TOO MUCH subsidy, you’ll have to pay back the overage, and if you didn’t get all the subsidy you were entitled to, you’ll get credit for having too little subsidy.
Be Honest & Accurate
It is very important to be honest and accurate when filling out your application for a subsidy.
Step #3
Coverage by Location
Active Insurance Companies
Carrier Coverage by County
ON Exchange
Health Plan of Nevada (HPN)
♦ HMO
♦ ON Exchange and OFF Exchange
>> ON Exchange: Serving ALL Nevada counties
>> OFF Exchange: Clark, Nye, Washoe
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
♦ OFF Exchange only
♦ 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 only
♦ Serving Nye and Clark County
Renown
♦ HMO
♦ ON Exchange only
♦ Serving Carson City, Washoe, Douglas, and Storey
Imperial Health
♦ HMO
♦ ON Exchange only
♦ Serving Washoe, Nye and Clark County
Molina Healthcare
♦ HMO
♦ ON Exchange only
♦ Serving Washoe, Nye and Clark County
CareSource
♦ HMO
♦ ON Exchange only
♦ 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
-
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
-
Costs:
Compare deductibles, copays, and coinsurance
-
Out-of-Pocket Limit:
Note the maximum you might pay in a year
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
New for 2026
Battle Born State Plans are Affordable Care Act certified health plans designed to meet premium reduction targets.
(702) 898-0554
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Let's Get You Enrolled
#1 - Call Us ⇒ to begin your enrollment / make appointment
OR
#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
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
Preffered Broker
National Association of Health Underwriters (NAHU)
Nevada Division of Insurance
Agent / Agency Search
Nevada Insurance Enrollment
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Resident Producer Firm License #952196
Health Insurance is Confusing
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Don’t Live Nearby?
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Still in your pajamas?
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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.
Easy. Personal. Wherever you are.