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, you must pay your first month’s premium in order for your coverage to take effect. Health and dental plans are usually offered by separate carriers and billed separately. Be sure to pay for both if applicable.
Many carriers accept online payments. To see if your carrier accepts online payments, log into your account and click the Enrollments tab to see the plan(s) you’ve enrolled in. If your carrier accepts online payments, you’ll see a payment button that links to your carrier’s payment site. If your carrier does not accept online payments, contact your carrier or visit their website to get more information about their payment process.
If the employee plan is affordable but to pay for the family is not. Can the rest of the family get financial assistance?
Nevada Health Link connects individuals to a variety of insurance plans from different health insurance companies, as well as offers tools and resources to help you choose the plan that’s right for you. Nevada Health Link is the only health insurance resource that can provide you with federal tax credits and subsidies to help cover the cost of your insurance.
I have heard the individual mandate was repealed, am I still required to have health insurance?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.
- 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
Don’t include Supplemental Security Income (SSI).
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.
Update your Nevada Health Link application as soon as possible when your income or household members change during the year.
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).
The “family glitch” based eligibility for a family’s premium subsidies on whether available employer-sponsored insurance is affordable for the employee only, even if it’s not actually affordable for the whole family.
The family glitch fix is in effect as of 2023. So when families apply for coverage during the open enrollment period (November 1 – January 15), the new rules will be used to determine whether anyone in the household qualifies for a premium subsidy. If an employee must pay more than a predetermined affordability threshold of household income towards the premium for the lowest cost family plan offered by their employer, the plan is considered unaffordable, and the employee’s family members may therefore qualify for financial assistance for health coverage through Nevada Health Link. The affordability threshold for plan year 2024 is 8.39% and will be updated every year
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.
Or get FREE enrollment assistance from a licensed enrollment professionals near you by using our Find Local Assistance look-up tool or by calling 800-547-2927.
Find a licensed enrollment professionals near you by using our Find Local Assistance look-up tool or by calling 800-547-2927.
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.
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.
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
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