If you forget the password to your Nevada Health Link account, you have the ability to reset it.
- 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.
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?
After you finish your enrollment online or with your agent/broker in person, you must pay your first month’s premium in order for your coverage to take effect. You make this payment to your insurance company, not Nevada Health Link. Contact your insurance company for details.
Silver Summit Health Plan at 1-844-366-2880
Health Plan of Nevada at 1-800-777-1840
Anthem at 1-866-755-2680
If the employee plan is affordable but to pay for the family is not. Can the rest of the family get financial assistance?
To be deemed affordable in 2017, the employee’s share of the annual premium for self-only coverage must not be more than 9.69% of annual household income. For plan years beginning in 2018, employee sponsored coverage will be considered affordable if the employee’s required contribution for self-only coverage does not exceed 9.56% of annual household income.
Nevada Health Link is a supported state-based exchange. This means that NevadaHealthLink.com uses HealthCare.gov’s system to enroll Nevadans, but plans are still certified through Nevada Health Link. Plus, Nevada provides its citizens with many ways to obtain in-person assistance throughout the State.
I have heard the individual mandate was repealed, am I still required to have health insurance? Is there still a tax penalty?
• Between jobs
• Waiting for other coverage to begin
• Waiting to be eligible for Medicare coverage
• Without health insurance, outside of Open Enrollment
Nevada Health Link is supported by the state agency, Silver State Health Insurance Exchange and was established due to the Affordable Care Act, sometimes referred to as Obamacare.
The only requirement to apply for and purchase insurance on NevadaHealthLink.com is that you are lawfully present in the U.S. and living in the State of Nevada. Filling out an application will not trigger an immigration/ INS investigation. This program’s goal is simply to reduce the cost of health insurance and insure more Nevadans.
Modified Adjusted Gross Income (MAGI)
The figure used to determine eligibility for premium tax credits and other savings for Marketplace health insurance plans and for Medicaid and the Children’s Health Insurance Program (CHIP). MAGI is adjusted gross income (AGI) plus these, if any: untaxed foreign income, non-taxable Social Security benefits, and tax-exempt interest.
- For many people, MAGI is identical or very close to adjusted gross income.
- MAGI doesn’t include Supplemental Security Income (SSI).
- MAGI does not appear as a line on your tax return.
All information about the plans offered through Nevada Health Link will be presented in clear language, so there’s no guesswork about what’s covered or what it costs. Because Nevada Health Link offers a variety of plans from different private insurance companies, we don’t have any connection with one insurance carrier. This means that all of the information about the plans is presented objectively, so you can pick the plan that’s right for you.
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).
If your spouse’s employer does not offer spouse coverage then you could come to Nevada Health Link and apply for a subsidy. All large group plans are required to offer dependent coverage, so your children would be ineligible for Advanced Premium Tax Credit through Nevada Health Link. There may be cheaper plans available than the employer-provided dependent coverage, but the children will not qualify for a subsidy. If the employer’s plan did not offer dependent care then the children could get subsidized coverage through Nevada Health Link.
If your estimated income falls between 100% and 400% of the federal poverty level (FPL) for your household size, you qualify for a premium tax credit.
If you were enrolled in a health plan through the Marketplace and used premium tax credits to lower your monthly payments. (Premium tax credits are sometimes called “subsidies,” “discounts,” or “savings.”)
Additionally, the Affordable Care Act (ACA), a U.S. law, says everyone must have health insurance. If someone doesn’t have health insurance, he or she will incur a penalty (a fine) on his or her income taxes. Nevada Health Link is here to protect Nevadans from the tax penalty by helping them find insurance based on their budget.
- Visiting this website (NevadaHealthLink.com) and logging into your account on enroll.nevadahealthlink.com
- Getting help from your licensed insurance agent or broker
- Getting help from your certified enrollment counselor
- Visiting with a certified enrollment assister or licensed broker or agent at a community location near you.
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 change Qualified Health Plans (QHPs) once per month, and they are not bound to the open enrollment dates.
Frequently Asked Questions:
- 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?
- What American Indian and Alaska Native income do I include on my application?
- My children and I are tribal members, but my spouse is not. Can we enroll as a family with a Special Enrollment Period?
- Will I need my tribal documents when applying for coverage?
- How do I apply for the Indian exemption?
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.
1. Download and complete an Indian exemption application form (PDF)
2. Gather documentation of membership in a federally recognized tribe or eligibility for services through an Indian health care provider for EACH member of your tax household. See the full list of acceptable documentation types on page 5 of the exemption application (PDF).
3. Mail the signed and completed application with supporting documentation to: Health Insurance Marketplace – Exemption Processing 465 Industrial Blvd. London, KY 40741
4. The Marketplace will send you an eligibility determination letter in the mail after we process your exemption application. If you qualify for this exemption, we’ll give you an Exemption Certificate Number (ECN).
5. Once you have an Exemption Certificate Number, complete Part I of IRS Form 8965—Health Coverage Exemptions (PDF). Enter the name, Social Security number, and ECN for each member of your household who’s eligible for the exemption.
6. Be sure to include your completed Form 8965 when you file your tax return.
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.
My children and I are tribal members, but my spouse is not. Can we enroll as a family with a Special Enrollment Period?
• 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