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.
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.
Nevada Health Link is powered by HealthCare.gov, 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 HealthCare.gov. 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.
Nevada Health Link is its own website, by Nevadans, for Nevadans, but it is powered by HealthCare.gov. This means that eligibility and enrollment will take place through HealthCare.gov. All of the plans are still State-certified, and NevadaHealthLink.com 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.
Exchange Enrollment Facilitators (EEFs) will facilitate enrollment in qualified health plans offered by the Exchange. They consist of Navigators, Enrollment Assisters, and Certified Application Counselors (CACs). Navigators and Enrollment Assisters are hired by entities that have been awarded grants by the Exchange.
The Exchange releases a Request for Application (RFA) to award Navigator and In Person Assisters in the beginning of each year. If you have interest in becoming a Navigator, you will need to respond to the RFA. If you’d like to become an Enrollment Assister, please contact our current entities HERE. If you have interest in serving as a CAC, you will need to be certified by the Nevada Division of Insurance prior to becoming appointed with the Exchange. If you are interested in becoming a CAC, please submit information HERE.
Calculating Modified Adjusted Gross Income (MAGI):
Modified Adjusted Gross Income (MAGI) is calculated by adding back certain items to your Adjusted Gross Income. Your Adjusted Gross Income (AGI) can be found on line 38 of your Form 1040; line 22 of your Form 1040A; or line 36 of your Form 1040NR.
The following items must be added to your Adjusted Gross Income (AGI) to calculate your Modified Adjusted Gross Income (MAGI):
- Traditional IRA contributions that were deducted.
- Student loan interest amounts deducted.
- Tuition and fees deducted.
- Domestic production activities deducted.
- Foreign income or housing costs excluded on Form 2555.
- Foreign housing deduction taken on Form 2555.
- Savings bond interest excluded on Form 8815.
- Adoption benefits from an employer excluded on Form 8839.
Worksheet 1-1, found on page 17 of IRS Publication 590, provides information for a step-by-step calculation of Modified Adjusted Gross Income (MAGI).
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.
After a person has filled out application pre-screener on NevadaHealthLink.com, we will be able to determine if that individual or a family member appears to be eligible for a government program, such as Nevada Check Up (CHIP) or Medicaid. If one person in the family qualifies for Medicaid, that person can be enrolled in Medicaid and the rest of the family will be able to enroll in a health insurance plan or plans through HealthCare.gov.
No, Nevada Health link will not be able to pre-populate applications for non-insurance government programs such as SNAP or TANF; however, by applying through Access Nevada for Medicaid or Nevada Checkup, that system will also determine eligibility for SNAP and TANF.