I forgot my username and/or password and am unable to access my account.

Your log-on information is required to access your account.  Please follow the directions on’s website:

What happens if I miss the open enrollment deadline?

Certain changes in an individual’s life can make them eligible for a Special Enrollment Period (SEP) and allow them to enroll at any time during the year. Examples of qualifying life events include: loss of employer-based coverage, moving or turning 26, and changes in family size through marriage, divorce or the birth of a child.

I have submitted my application through, how do I make a payment? Should I wait for the bill from the insurance carrier?

Once you enroll in a plan, you will pay your premiums directly to the insurance company — not to the Health Insurance Marketplace.

After you finish your enrollment online or by phone, 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 the Marketplace. Contact your insurance company for details.

Silver Summit Health Plan  1-844-366-2880

Health Plan of Nevada 1-800-777-1840

What is considered annual household income?

The Internal Revenue Service (IRS) defines the total household income as income from everybody in the household who is required to file a tax return.

If the employee plan is affordable but to pay for the family is not. Can the rest of the family get financial assistance?

When determining eligibility for Advanced Premium Tax Credits (APTC’s), the Marketplace only considers the employee-only cost of coverage. The cost of coverage for other family members does not determine whether the coverage offered is affordable for the family.

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.

What is Nevada Health Link?

Nevada Health Link is an organization created by the State of Nevada to help you find a health insurance plan that fits your needs and your budget. Through Nevada Health Link, individuals can shop for, compare and purchase health insurance plans that are income based.

Learn more about how it works here.

Nevada Health Link is a supported state-based exchange. This means that uses’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 in 2018?

Yes. The fee for not having health insurance will still be in place for 2018. Those who forgo insurance will pay a fee of either $695 for each uninsured adult and $347.50 for each uninsured child or 2.5 percent of your household income – whichever is higher. That fee does not go away until 2019.

When should I consider short-term health insurance?

Short-term medical insurance, also called Temporary health insurance or Term health insurance, can provide a temporary solution to help fill gaps in coverage. Consider short-term if you’re:

•    Between jobs
•    Waiting for other coverage to begin
•    Waiting to be eligible for Medicare coverage
•    Without health insurance, outside of Open Enrollment

Does short term health insurance provide coverage for preexisting conditions?

No. In most cases short term limited duration plans do not cover preexisting conditions.

Can I get a tax subsidy to help pay for my short term health insurance plan?

No. Short-term plans do not qualify for tax subsidies under the Affordable Care Act.

How does Nevada Health Link work? Is this Obamacare?

Nevada Health Link is powered by, meaning this is where eligibility and enrollment takes place. All of the plans offered are still certified by Nevada Health Link, but enrollment will take place through Nevada Health Link is still the only health insurance resource that can provide individuals federal tax credits and subsidies to help cover the cost of insurance. Plus, Nevada still provides its citizens with many ways to obtain in-person assistance throughout the State.

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.

Is Nevada Health Link

Nevada Health Link is its own website, by Nevadans, for Nevadans, but it is powered by This means that eligibility and enrollment will take place through All of the plans are still State-certified, and still houses a lot of information and resources specific to Nevadans. Plus, Nevada still provides its citizens with many ways to obtain in-person assistance throughout the State.

Who can use Nevada Health Link?

Nevada Health Link is here to help any Nevadan looking for health insurance, whether you already have insurance or not. If you already have health insurance, through your employer for example, you aren’t required to enroll through Nevada Health Link but are welcome to explore new plans through the online marketplace if you like.

The only requirement to apply for and purchase insurance on 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 Americans.

How do I calculate my income?

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.

Why should I buy insurance through

Buying insurance through Nevada Health Link guarantees that you are enrolled in a Qualified Health Plan (QHP) with Essential Health Benefits.

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).

What are the options for my family if my employer offers me coverage?

When the affordability regulations for employer-sponsored insurance coverage were passed, they did not take the cost of dependent coverage into account. If your spouse’s employer offers him/her minimum essential health insurance coverage that costs less than 9.5% of your annual household income, then the coverage is deemed affordable. If the employer also offers spousal coverage, then you would be ineligible for Advanced Premium Tax Credit (APTC) or a subsidy on Nevada Health Link.

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.

What are federal tax subsidies or premium tax credits?

A premium tax credit, sometimes called subsidies or discounts, can be used to lower your monthly insurance payment (called your “premium”) when you enroll in a health insurance plan through Nevada Health Link. Your tax credit is based on the income estimate and household information you put on your Marketplace application.

If your estimated income falls between 100% and 400% of the federal poverty level (FPfor your household size, you qualify for a premium tax credit.

f 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.”)

What is insurance?

Insurance is legal entitlement to payment or reimbursement for your health care costs, generally under a contract with a health insurance company, a group health plan offered in connection with employment, or a government program like Medicare, Medicaid, or the Children’s Health Insurance Program (CHIP).

Why do I need insurance?

Health insurance helps you get the care you need, when you need it. Insurance will help keep you and your family healthy. If you have insurance, you’ll be able to get preventive care (such as regular check-ups, screenings and immunizations) so you and your family will be sick less often. Health insurance also protects you financially; you won’t have to worry about high medical bills you can’t pay.

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.

How do I enroll?

During open enrollment you will be able to enroll by:

Learn more about the process here.

What if I need help or can’t enroll online on my own?

If a person doesn’t have Internet access and/or would like some help shopping for and enrolling in a health insurance plan, the Nevada Health Link team will be here to help. You can find a person who can help you by using our in-person assistant search tool or by visiting one of our Navigator organizations.

Learn more about how to find help here.

What if I qualify for a public health insurance program like Medicaid?

If you or someone in your family appears to qualify for government health coverage programs such as Medicaid or Nevada Check Up (CHIP), through our pre-screener tool, Nevada Health Link will alert you during the screening process and direct you to the right place to enroll in those programs if you wish. Additionally, if you are found eligible for Medicaid or Nevada Checkup through the application process on, your information will be sent to those programs to finalize enrollment.

Can I buy a Qualified Health Plan (QHP) outside of Nevada Health Link?

Yes, insurance carriers that offer Qualified Health Plans (QHPs) on may offer the exact same (or similar) product outside of Nevada Health Link. But, you must enroll through Nevada Health Link if you want to receive help with your premium in the form of an Advanced Premium Tax credit (APTC).

Help with Insurance Terms

For help with any words and terms, click here to see our glossary.


I am currently uninsured by choice. I prefer alternative and holistic medicine. I do not take any prescription medication or vaccines. I am in very good health and very concerned about this new healthcare law. I feel I will be forced into paying for something I will never use and if I don’t, then I will be penalized. What, if any, options are there for people like me?

The Supreme Court ruling issued in June of 2012 stated that the federal government could impose a tax on individuals who do not purchase health insurance. Nevada Health Link has been put in place to help Nevadans comply with the new law. There are exemptions from the individual mandate for certain religious groups, Native Americans and for people who face a financial hardship that precludes them from purchasing health insurance. If you are a member of one of the groups spelled out in the ACA, you are exempt from the individual mandate to purchase health insurance. If you don’t fall into one of the exempt classifications, the IRS will enforce a tax penalty of $95 or 1% of your income (whichever is greater) in calendar year 2014. In 2015, the penalty increases to $325 or 2% of your income (whichever is greater). The penalty will increase to $695 or 2.5% of your income (whichever is greater) in calendar year 2016.

What do military veterans need to know?

There are many important considerations for military veterans. For more information, please click the following link:

Considerations for Military Veterans

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 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?


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.

How do I apply for the Indian exemption?

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?

If your state uses the federal Marketplace, yes. If one family member on the application is eligible for the Special Enrollment Period (SEP), all family members who apply on the same Marketplace application are eligible. This is true even if different family members are eligible for different Marketplace plans, based on differing eligibility for lower monthly premiums or out-of-pocket costs.

Will I need my tribal documents when applying for coverage?

The special monthly enrollment periods and cost-sharing reductions apply only to members of a federally recognized tribe or Alaska Native Claims Settlement Act (ANCSA) Corporation shareholders. When applying through the Marketplace, you’ll need to provide documentation that you’re a member of a federally recognized tribe or an ANCSA shareholder.

• 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

State of Nevada

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