Nevada Insurance 101 - What you need to know about open enrollment and how to enroll in a health insurance policy.

What you need to know about open enrollment and how to enroll in a health insurance policy

Open enrollment is the time period during which consumers can purchase a health insurance plan.  If you do not buy a health insurance plan during Open Enrollment, you may not be able to purchase health insurance – unless you qualify for a Special Enrollment Period - leaving you with a gap in coverage and a possible penalty to pay.

Consumers who are interested in obtaining subsidies or tax credits to help pay for health insurance can purchase a policy through Nevada Health Link.

How to shop

There are several ways to purchase a health insurance policy. The Silver State Health Insurance Exchange, the state agency that connects eligible Nevada residents to qualified health plans through the online marketplace, Nevada Health Link, is excited to announce that Nevada is now a fully operational State Based Exchange (SBE). Nevadans seeking coverage on the Exchange will enroll at NevadaHealthLink.com and not the Federal Health Insurance Marketplace, HealthCare.gov. Consumers who plan on shopping or re-enrolling on Nevada Health Link are encouraged to start their research and planning process early.

Window shopping on the new SBE platform will be available starting Oct. 3rd. Nevada Health Link always encourages consumers to use the free assistance of a licensed enrollment professional or call 1-800-547-2927.

Nevadans can also reach out directly to an insurance carrier for help purchasing a health insurance policy. You may visit the Division’s website at http://healthrates.doi.nv.gov/Wizard.aspx to view the list of insurance carriers and plans available.

The Division encourages every Nevadan to protect themselves and their family against a great financial burden from a health issue.  Dealing with illness or injury is sufficiently stressful without adding a financial component into the mix.

 

Frequently Asked Questions

Everyone should shop for coverage...even if you already have insurance. There are new plans available each annual enrollment period so you should be sure to review your options. Even if you decide to stay with your current plan, here are some questions you should ask to be sure that you pick the plan that is best for you.

  • Does the health plan cover your preferred doctor?

  • Are your current medications covered by this plan?

  • Are you eligible for a subsidy?

  • Do you anticipate high or low medical expenses next year?

  • Is the premium affordable?

  • Is the deductible affordable?

Put all that knowledge to work. Use our Rate Wizard Tool to compare rates now.

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