FAQ
About Nevada Health Link
What happens if I miss the open enrollment deadline?
Individuals
What happens if I miss the open enrollment deadline?
Can I get a tax subsidy to help pay for my short term health insurance plan?
Does short term health insurance provide coverage for preexisting conditions?
When should I consider short-term health insurance?
• Between jobs • Waiting for other coverage to begin • Waiting to be eligible for Medicare coverage • Without health insurance, outside of Open Enrollment
I have heard the individual mandate was repealed, am I still required to have health insurance? Is there still a tax penalty?
Can my family or I still get financial assistance if I have insurance through my employer?
What is considered annual household income?
I have submitted my application through Nevada Health Link, how do I make a payment? Should I wait for the bill from the insurance carrier?
I forgot my username and/or password and am unable to access my account.
- Go to the Nevada Health Link website and click on Log In. Click on the Forgot Password? link.
- Enter the email address associated with your NVHL account and click Continue
- Follow the directions in your email to access your account. Be sure that you know the answer to the security question you selected when you created the account. You will be asked to provide this answer. Note: If not, you will have to contact Tech Support to get back into your account.
What are federal tax subsidies or premium tax credits?
Will I need my tribal documents when applying for coverage?
- A document issued by a federally recognized tribe indicating tribal membership.
- A document issued by an Alaska Native village/tribe, or an ANCSA Corporation (regional or village) indicating shareholder status.
My children and I are tribal members, but my spouse is not. Can we enroll as a family with a Special Enrollment Period?
What American Indian and Alaska Native income do I include on my application?
The Marketplace application asks you to provide income information that’s reportable on your federal income tax return. In general, you won’t report American Indian or Alaska Native (AI/AN) income that the IRS exempts from tax (income from treaty fishing rights, for example).
The Marketplace application will ask you to report income from various sources and will determine your eligibility for Marketplace insurance plans, Medicaid, and the Children’s Health Insurance Program (CHIP).
Most AI/AN trust income and resources aren’t counted when determining eligibility for these programs. But per capita income derived from gaming is taxable and therefore counted for these programs.
Why do I need health insurance coverage if I get services from the Indian Health Service, a tribal program, or an urban Indian health program?
By enrolling in health coverage through the Marketplace, Medicaid, or CHIP, you have better access to services that the Indian Health Service, tribal programs, or urban Indian programs (known as I/T/Us) may not provide.
If you enroll in a Marketplace health plan, Medicaid, or CHIP, you can keep getting services from your I/T/U the same way you do now. When you get services from an I/T/U, the I/T/U can bill your insurance program. This benefits the tribal community, allowing I/T/Us to provide more services to others.
What is Nevada Health Link?
Is Nevada Health Link enroll.nevadahealthlink.com?
How does Nevada Health Link work? Is this Obamacare?
What do military veterans need to know?
If you don't have veterans coverage
If you're a veteran who isn't enrolled in VA benefits or other veterans health coverage, you can get coverage through Nevada Health Link. Depending on your household size and income, you may be able to get lower costs on monthly premiums and out-of-pocket costs on private insurance. You also might qualify for free or low-cost coverage through Medicaid or Nevada Check Up. Find out if you qualify for Medicaid.If your dependents aren't covered
If you're a veteran enrolled in (or are a beneficiary of) a VA health care program, you may have dependents who aren't eligible for a VA health care program. They can get coverage through Nevada Health Link. Depending on household size and income, they may get lower costs on monthly premiums or out-of-pocket costs. Or they could be eligible for free or low-cost coverage through Medicaid or Nevada Check Up. Find out if you qualify for Medicaid.Important: TRICARE's young adult coverage option is different from the Affordable Care Act's under-26 rules. Eligibility ages, benefits, and other details differ.
How do I calculate my income?
- Nevada Health Link savings are based on your expected household income for the year you want coverage, not last year's income
- Income is counted for you, your spouse, and everyone you'll claim as a tax dependent on your federal tax return (if the dependents are required to file). Include their income even if they don't need health coverage
Step 1.
Start with your household's adjusted gross income (AGI) from your most recent federal income tax return. You'll find your AGI on line 7 of your last year's IRS Form 1040.Step 2.
Add the following kinds of income, if you have any, to your AGI:- Tax-exempt foreign income
- Tax-exempt Social Security benefits (including tier 1 railroad retirement benefits)
- Tax-exempt interest
Step 3.
Adjust your estimate for any changes you expect. Consider things like these for all members of your household:- Expected raises
- New jobs or other employment changes, including changes to work schedule or self-employment income
- Changes to income from other sources, like Social Security or investments
- Changes in your household, like gaining or losing dependents. Gaining or losing a dependent can have a big impact on your savings.
What are the Special Provisions for Native Americans?
Health Coverage for American Indians and Alaska Natives:
- Native Americans who are members of a federally recognized tribe are exempt from the individual mandate.
- Native Americans who earn less than 300% of the Federal Poverty Level (FPL) are exempt from cost sharing; for example, they will not have to pay copayments or deductibles when they use medical services.
- There are special provisions for the calculation of Modified Adjusted Gross Income for Native Americans, meaning that some revenue earned on reservations and from Federal Trust payments are exempt.
- Native Americans can enroll in or change Qualified Health Plans (QHPs) once per month, and they are not bound to the open enrollment dates
Can I buy a Qualified Health Plan (QHP) outside of Nevada Health Link?
Why should I buy insurance through NevadaHealthLink.com?
Nevada Health Link is the only place that you can receive cost assistance in the form of an Advanced Premium Tax credit (APTC) or Cost Sharing Reductions (CSRs).
Help with Insurance Terms
For help with any words and terms, click here to see our glossary.
What if I qualify for a public health insurance program like Medicaid?
What if I need help or can't enroll online on my own?
How do I enroll?
Who can use Nevada Health Link?
Why do I need insurance?
What is insurance?
Partners
What is Nevada Health Link?
Is Nevada Health Link enroll.nevadahealthlink.com?
How does Nevada Health Link work? Is this Obamacare?
How do I become a Certified Enrollment Counselor, Navigator, Enrollment Facilitator, or CAC?
How do I calculate my income?
- Nevada Health Link savings are based on your expected household income for the year you want coverage, not last year's income
- Income is counted for you, your spouse, and everyone you'll claim as a tax dependent on your federal tax return (if the dependents are required to file). Include their income even if they don't need health coverage
Step 1.
Start with your household's adjusted gross income (AGI) from your most recent federal income tax return. You'll find your AGI on line 7 of your last year's IRS Form 1040.Step 2.
Add the following kinds of income, if you have any, to your AGI:- Tax-exempt foreign income
- Tax-exempt Social Security benefits (including tier 1 railroad retirement benefits)
- Tax-exempt interest
Step 3.
Adjust your estimate for any changes you expect. Consider things like these for all members of your household:- Expected raises
- New jobs or other employment changes, including changes to work schedule or self-employment income
- Changes to income from other sources, like Social Security or investments
- Changes in your household, like gaining or losing dependents. Gaining or losing a dependent can have a big impact on your savings.
Some questions you might hear
Will people be able to enroll in non-insurance government programs through Nevada Health Link?
Are you able to enroll in government insurance programs through Nevada Health Link?
State Based Exchange Transition
Will Agents/Brokers be able to enroll consumers in a plan with a carrier for which they are not appointed?
Will Agents/Brokers and EEFs be able to assist consumers by phone similar to how they can through web-brokers?
Is there a direct line for agents/brokers and enrollment professionals?
