Individual & Family Scenarios

Bigger Savings for even More Nevadans Available Now!

Thanks to the recently passed Inflation Reduction Act (IRA), this milestone achievement extended the expansion of the premium tax credits on Affordable Care Act (ACA) plans outlined in the American Rescue Plan until 2025. Check out The family scenarios below to see how much you can save. Learn more.

Members of your family may qualify for different types of coverage.

Take a look at the family scenarios below to choose a story that best describes you and/or your family and helps you better understand your options (before and after ARPA). Differences between members of a family can likely mean differences in health insurance options.

Scenario 1

Family of 4 (Father, 34 pregnant Mother, 32, 7-year old Son and 4-year old Daughter) that makes approximately $37,000 per year and living in Clark County

Before ARPA:

• Pregnant Mother, 32 is assessed for Medicaid eligibility due to pregnancy and income
• 4-year old Daughter assessed for Medicaid/CHIP – Nevada Check Up eligibility
• 7-year old Son assessed for Medicaid/CHIP – Nevada Check Up eligibility
• Father qualified for a subsidized health plan through Nevada Health Link:

After ARPA: Father qualified for fully subsidized health plan through Nevada Health Link with plans starting at $0.00.

Scenario 2

Single adult (age 33) living in Carson City, eligible for a subsidized plan through Nevada Health Link, making approximately $30,0000 per year

Before ARPA:

• Lowest Out of Pocket Monthly Premium: $40.90 – Bronze
• Middle Out of Pocket Monthly Premium: $191.89 – Silver
• Highest Out of Pocket Monthly Premium: $293.39 – Gold

After ARPA:

• Lowest Out of Pocket Monthly Premium: $0.00 – Bronze
• Middle Out of Pocket Monthly Premium: $ 85.20– Silver
• Highest Out of Pocket Monthly Premium: $ 146.96– Gold

Scenario 3

Married same sex couple (partner age 42, partner age 44 years), making annual income of approximately $42,000 and living in Las Vegas.

Before ARPA:

Partner age 42, born in 1977 is seeking coverage through Nevada Health Link and eligibility is as follows:

• Lowest Out of Pocket Monthly Premium: $175.03 – Bronze
• Lowest Out of Pocket Monthly Premium: $252.42 – Silver
• Highest Out of Pocket Monthly Premium: $429.02 – Gold

Partner age 44, born in 1975 is accessing coverage on Medicaid because they are disabled.

After ARPA:

• Lowest Out of Pocket Monthly Premium: $5.40– Bronze
• Middle Out of Pocket Monthly Premium: $ 125.40– Silver
• Highest Out of Pocket Monthly Premium: $ 297.68– Gold

Scenario 4

A 25-year-old living in Washoe County making $30,000 per year can access plans for as little as $109/month.

Before ARPA:

• Lowest Out of Pocket Monthly Premium: $103.65 – Bronze
• Lowest Out of Pocket Monthly Premium: $191.60 – Silver
• Highest Out of Pocket Monthly Premium: $280.54 – Gold

After ARPA:

• Lowest Out of Pocket Monthly Premium: $0.00– Bronze
• Middle Out of Pocket Monthly Premium: $ 81.60 – Silver
• Highest Out of Pocket Monthly Premium: $170.54 – Gold