HOW IT WORKS:

Our 2 Step 2 Minute process if fast and easy:

You can view what plans are available to you along with price quotes. Quotes are presented for all of the major health insurance carriers available to you including Blue Cross, Blue Shield, Aetna, Humana, United, Assurant, Kaiser (in select states), Cigna, along with regional plan providers.

STEP 1: Applicant Information

In order to provide you with a quote, we need the following information:

- Date of Birth, Height/Weight, and   Gender.

- Whom you would like to insure?

- Basic Health information.

- Contact Information for a licensed   agent to help you

STEP 2: See Quotes

You will be presented with available plans
which fit your profile:

Depending on your location and health profile, this could include quotes from the providers above and others. You will also be given the option to work with a health insurance agent.

Nevada affordable care act resource center

WHAT IS THE DIFFERENCE BETWEEN THE PLANS OFFERED IN THE MARKETPLACE?

The Marketplace offers:

  • bronze plans

    This is the lowest cost plan available.

    • It has the lowest premiums and the lowest actuarial value.
    • The actuarial value of a bronze plan is 60%. This means that 60% of medical costs are paid for by the insurance company, leaving the other 40% to be paid by you.
  • silver plans

    This is the second lowest cost plan.

    • It has an actuarial value of 70%. This means that 70% of medical costs are paid for by the insurance company, leaving the other 30% to be paid by you.
  • gold plans

    This is the second most expensive plan.

    • It has an actuarial value of 80%. This means that 80% of medical costs are paid for by the insurance company, leaving the other 20% to be paid by you.
  • platinum plans

    This is the plan with the highest premiums.

    • The Platinum plan as an actuarial value of 90%. This means that 90% of medical costs are paid for by the insurance company, leaving the other 10% to be paid by you.
  • Catastrophic Plans

    These are plans for people under 30.

    • They usually have high deductibles, essential benefits and low premiums.

  • COMPARE
    PLANS

    Click here to compare
    and choose the
    best plan for you

HOW LONG CAN CHILDREN STAY ON MY HEALTH INSURANCE POLICY?

The official ObamaCare enrollment period ended on March 31, 2014. Important Notice: Its urgent, to avoid future fines and penalties, to sign up for health insurance under the Affordable Health Care Act.

Nevada Individuals & Families: Find out the most cost efficient healthcare insurance for you.

Under the health care law, if your plan covers children, you can now add or keep your children on your health insurance policy until they turn 26 years old.

CAN MY CHILDREN BE DENIED COVERAGE IF THEY HAVE ASTHMA OR DIABETES?

No. Under the new health reform, insurers can no longer deny coverage to children because of a pre-existing condition, like asthma or diabetes. Health insurers will no longer be able to charge more or deny coverage to anyone because of a pre-existing condition.

WHAT IF MY EMPLOYEES WANT THEIR FAMILIES COVERED?

All of the plans offered through Nevada Health link can insure employees’ dependents.

As an employer, you will decide if you want to offer spousal and dependent coverage or let your employees decide if they want to purchase coverage for their families through Nevada Health Link’s individual marketplace.

What if I qualify for a public health insurance program?

If you or someone in your family qualifies for government health coverage programs such as Medicaid or Nevada Check Up (CHIP), Nevada Health Link will alert you during the application process and help enroll you in those programs if you wish. You will not need to fill out another application.

WHAT IF I QUALIFY FOR A PUBLIC HEALTH INSURANCE PROGRAM?

If you or someone in your family qualifies for government health coverage programs such as Medicaid or Nevada Check Up (CHIP), Nevada Health Link will alert you during the application process and help enroll you in those programs if you wish. You will not need to fill out another application.

WHERE DOES THE FUNDING GO IN THE COMMUNITIES?

Under ObamaCare, funding is increased to promote better health and services in all communities.

The funds are used to:

  • Support ongoing health center operations.
  • Establish new health center sites.
  • Expand services.
  • Support major capital improvement projects.
  • Help enroll uninsured Americans in the Health Insurance Marketplace.
  • Hire more workers.
  • To repay educational loans and provide scholarships to primary care physicians, dentists, nurse practitioners, physician assistants, behavioral health providers, and other primary care providers who practice in areas of the country that have too few health care professionals.

HOW DO I ENROLL FOR OBAMACARE IN NEVADA?

You have several options when you enroll:

  • Visit Nevada’s Marketplace website NevadaHealthLink.com
  • Call Nevada Health Link’s Toll-Free Call Center at 1-855-768-5465
  • Get help from your health insurance agent or broker.
  • Meet with a licensed Navigator. Visit the Nevada Health Link website.
  • Visit a licensed Enrollment Assister at a community location near you.

DO ALL PLANS SOLD IN THE MARKETPLACE COMPLY WITH THE NEW HEALTH REFORM?

Yes. All health insurance sold on official Marketplaces must include all the new benefits, rights and protections of the Affordable Care Act. You can access the Nevada ObamaCare website via the Nevada Health Link website.

If you have any questions contact Nevada Health Link by calling 1-855-768-5465.

WHAT IS THE OFFICIAL OBAMACARE MARKETPLACE FOR NEVADA?

NevadaHealthLink.com is your state’s official Marketplace for Nevada.

HOW DO I CALCULATE MY INCOME?

To calculate your income, you will need to calculate your Modified Adjusted Gross Income.

MAGI is calculated by adding back certain items to your Adjusted Gross Income. Your Adjusted Gross Income (AGI) can be found on line 38 of your Form 1040; line 22 of your Form 1040A; or line 36 of your Form 1040NR.

The following items must be added to your Adjusted Gross Income (AGI) to calculate your Modified Adjusted Gross Income (MAGI):

  • Traditional IRA contributions that were deducted.
  • Student loan interest amounts deducted.
  • Tuition and fees deducted.
  • Domestic production activities deducted.
  • Foreign income or housing costs excluded on Form 2555.
  • Foreign housing deduction taken on Form 2555.
  • Savings bond interest excluded on Form 8815.
  • Adoption benefits from an employer excluded on Form 8839.

FACTS

  • NevadaHealthLink.com is your state’s official ObamaCare website for Nevada.
  • All health insurance sold on NevadaHealthLink.com includes all the new benefits, rights and protections of the Affordable Care Act.
  • The law bans insurance companies from imposing lifetime dollar limits on health benefits.
  • Not everyone who doesn’t have insurance will be charged a fee or will get cost assistance.
  • How much you pay for your premium depends on your income and household size (Tax credits and cost-sharing).
  • Location, income, smoking status, family size and age all affect the cost of your health insurance premium.
  • ObamaCare subsidizes those with incomes ranging from 139% to 400% of the FLP (federal poverty level). In 2013 400% FPL is $45,960 for single person, $62,040 for a family of two, and $78,120 for a family of three.
  • ObamaCare helps to make Medicaid and CHIP available for those below the 139% mark.
  • Subsidies are given as refundable tax credits.
  • Affordable health insurance is defined as 8% of your income.