Nevada Health Insurance: Key Facts
- Medicaid Status Expanded (2014)
- Exchange Type State-Based (Nevada Health Link)
- Open Enrollment November 1, 2024 - January 15, 2025
- Medicaid Income Limit 138% FPL (~$20,783/year single)
Nevada offers comprehensive health coverage options for its residents through both expanded Medicaid and its state-based marketplace, Nevada Health Link. Whether you live in Las Vegas, Reno, or rural Nevada, you have access to affordable coverage options.
Medicaid in Nevada
Nevada Medicaid provides free or low-cost health coverage to eligible residents. The expansion has been particularly impactful in Nevada, where a significant portion of the population works in industries without employer-sponsored health insurance.
Who Qualifies for Nevada Medicaid?
- Adults 19-64: Household income up to 138% of the Federal Poverty Level (approximately $20,783/year for an individual)
- Children: Up to 205% FPL through Nevada Check Up (CHIP)
- Pregnant Women: Up to 165% FPL
- Seniors 65+: Various programs with different income limits
- People with Disabilities: Income-based eligibility with additional criteria
What Does Nevada Medicaid Cover?
- Doctor visits and specialist care
- Hospital stays and emergency services
- Prescription medications
- Mental health and substance abuse treatment
- Preventive care and screenings
- Lab tests and diagnostic imaging
- Dental services (basic for adults, comprehensive for children)
- Vision care
- Transportation to medical appointments
Nevada Health Link Marketplace
Nevada Health Link is the state's official health insurance marketplace, where Nevadans can shop for, compare, and enroll in ACA-compliant health plans. The exchange offers plans from multiple insurers, giving residents choices in coverage and cost.
Why Use Nevada Health Link?
- Compare health plans from multiple insurance companies
- Apply for premium tax credits to lower your monthly costs
- Qualify for cost-sharing reductions with Silver plans
- Get help from certified enrollment counselors and brokers
- Access plans that cover all essential health benefits
Insurance Companies on Nevada Health Link
Nevada Health Link features plans from several major insurers:
- Health Plan of Nevada (HPN)
- SilverSummit Healthplan
- Prominence Health Plan
- Molina Healthcare
- Friday Health Plans
Average Health Insurance Costs in Nevada
Health insurance costs in Nevada are generally competitive, especially in the Las Vegas metro area where multiple insurers compete for customers.
| Metal Tier | Average Monthly Premium | Typical Deductible |
|---|---|---|
| Bronze | $320 - $420 | $7,000 - $8,500 |
| Silver | $480 - $560 | $4,000 - $5,500 |
| Gold | $580 - $680 | $1,200 - $2,500 |
Important Enrollment Dates
- Open Enrollment: November 1, 2024 - January 15, 2025 (for 2025 coverage)
- Early Enrollment Deadline: December 15, 2024 (for January 1 coverage)
- Final Deadline: January 15, 2025 (for February 1 coverage)
- Medicaid: Apply year-round; no enrollment period
Frequently Asked Questions
Does Nevada have Medicaid expansion?
Yes, Nevada expanded Medicaid in 2014. Nevada Medicaid covers adults aged 19-64 with incomes up to 138% of the federal poverty level, providing comprehensive health coverage to hundreds of thousands of Nevada residents.
What is Nevada Health Link?
Nevada Health Link is Nevada's state-based health insurance marketplace where residents can shop for and enroll in ACA-compliant health plans. It offers plans from multiple insurers and allows Nevadans to apply for premium tax credits and cost-sharing reductions.
When is Nevada's health insurance open enrollment period?
Nevada's Open Enrollment for 2025 coverage runs from November 1, 2024 through January 15, 2025. Nevada Health Link offers an extended deadline compared to some other state exchanges.
How much does health insurance cost in Nevada?
The average monthly premium for a benchmark Silver plan in Nevada is approximately $480-$560 before subsidies. Most Nevadans qualify for premium tax credits that significantly lower their monthly costs, with many paying under $100 per month after subsidies.
Need Help Finding Coverage in Nevada?
Our licensed agents can help you navigate Nevada Health Link, check your Medicaid eligibility, and find the best plan for your needs and budget.
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