Which Health Insurance Plan is Right for Me?

Obviously, if you can’t get health insurance through your employer, you’ll want to explore the individual health insurance options. But what if you can get health insurance through your employer? Could you score a better rate by waiving coverage? BE VERY CAREFUL! Keep reading to find out why.

Call For FREE Help (702) 898-0554


In a vast majority of cases, sticking with the group health insurance plan offered by your employer is your best bet. With a group health insurance plan, you may have access to benefits that you wouldn’t be able to afford with an individual health insurance plan. Your coverage will start shortly after your hire date, so you don’t have to worry about a long gap in coverage while you wait for the Open Enrollment Period.

Individual Health Insurance vs. Group Health Insurance: What is the difference?

You can call us, and we’ll help you with a “Short Term Health Insurance Plan” if you do have a 30-to-90-day window before your benefits kick in. Finally, your employer will pay for a minimum of 50% of your premium (for at least at a minimum the employee only), and the portion that you pay is taken from your pre-tax earnings, which will add up to significant savings for you. Your employer may elect to pay for spouse and dependents, but that is up to the employer.

Not everyone has access to employer-subsidized group health insurance. You can get comprehensive, affordable coverage by purchasing health insurance through the Healthcare Marketplace, and most likely qualify for Government assistance to help you pay your premiums.

Unless you qualify for a Special Enrollment Period, you’ll have to shop and purchase your health insurance plan during the Open Enrollment Period (11/1 through 1/15 each year). If you or your spouse’s/parent’s employer OFFERS coverage, you’ll be responsible for the full amount of your premium because you already have an employer OFFERING health insurance. If you don’t have coverage OFFERED through any employment, you are most likely going to be offered Government assistance in some way, depending on the household income.

Call Us For Assistance

(702) 898-0554

Get a Fast & Free Online Quote

Let the experts at Nevada Insurance Enrollment Help You

If you live in Nevada and you don’t have access to a group health insurance plan, or if you own a small business and you’re ready to tackle health insurance planning, then you need the expertise of a licensed health insurance agent. We’re here to help you understand the tax and compliance rules that apply to you and to guide you in choosing the option that will meet your needs. Give us a call today to start discussing the pros and cons of your various options.

Related Articles:

Have You Been Offered Health Insurance At Work?

Group Health Insurance in Las Vegas, Nevada

Health Insurance in Las Vegas, Nevada with NO Subsidy

Health Insurance in Las Vegas, Nevada WITH a Subsidy


Read More: Health Insurance in Las Vegas, Nevada


Call us for assistance

(702) 898-0554


Serving Las Vegas, Henderson, North Las Vegas and the entire state of Nevada

Three Ways to Enroll

1).  Apply by Phone

(702) 898-0554

2).  Apply in Person

(by appointment ONLY)

Please call to make an appointment

3).  Online Quote

Path Image - Insurance is confusing

Search This Website

Enter a search term here

Generic filters
Exact matches only
Search in title
Search in content

Why Go Anywhere Else?

When you can have an experienced and caring professional guide you.
Insurance Quotes | Plans | Coverage
Nevada Insurance Enrollment small logo - Insurance Agency in Las Vegas, Nevada
Read why it’s smart to use an insurance agent