We know how busy everyday life can become, and that the last thing everyone wants to do at the end of a long day is wade into the complex world of health insurance. So, we’re here to demystify it for you— we’ll try to make it easy. In fact, that’s our job.
So here, in five bullets, are some important things you may not know about Nevada Health Link. Some of it might surprise you. But we hope, in the end, it inspires you to explore the most affordable health insurance options on the market in Nevada.
1. Nevada Health Link offers private insurance, not government coverage
Nevada Health Link does not offer government health insurance. This is one of the most common misconceptions about the Exchange. Instead, we offer high-quality, private health insurance plans at reduced prices through the application of tax credits. These are health insurance plans from well-known private health insurance carriers. In fact, they are plans you can find on the Exchange through the online health insurance marketplace or off the Exchange — you might just pay more for these insurance plans if you are not shopping on Nevada Health Link – because it’s the only place where you can get access to subsidies that help lower your monthly premium costs.
2. Multiple health carriers and plans are available
Nevada Health Link enrollees will not find themselves pushed into a single insurance plan option based on income or location. Multiple plans are available from multiple carriers. Companies like Anthem and Ambetter (from Silversummit Healthplans) are all available. Bronze, Silver and Gold plans offer different coverage and pricing levels, putting enrollees in control of choosing the plan they want and finding one at a price they can afford.
3. Enrollees can shop, compare and save
Nevada Health Link makes it easy to shop, compare plans and choose between savings. After inputting basic information at NevadaHealthLink.com, a click of a button brings up a wide range of insurance choices. Enrollees can look at different carriers, prices, coverage levels and deductibles, so it’s easy to compare plans and select the plan that fits your needs. It’s a little like shopping on Amazon or for private health insurance, except here, prices are transparent and easy to compare, with affordable premiums.
4. Savings are available for a variety of income groups
Nevada Health Link is open to a wide range of income groups. In fact, the American Rescue Plan has opened up reduced premiums to more Nevadans than ever before. Even if you make up to 400 percent over the Federal Poverty Level, you can still qualify for savings. Different income groups qualify for different savings amounts.
5. Nevada Health Link is the only place to collect premium savings (advanced premium tax credits)
If you are looking for the most affordable health insurance in Nevada, Nevada Health Link is the place to be. For Nevadans who qualify for subsidized health insurance premiums, we offer the most affordable plans in the state— no other insurance marketplace offers the same level of savings. In a review of average savings by county, Nevada Health Link found that the top county for savings in Nevada, Eureka County, averages $321.92 per month savings per enrollee under the American Rescue Plan. That equals yearly savings of $3,863.04. Other counties average lower, but still significant savings. Lander County’s average savings were over $200 per month. Multiple counties averaged over $100 per person per month. And even the most populous counties in the state, Clark and Washoe County, averaged savings of over $65 and $55 per month per enrollee respectively.
We hope this information is useful, and better explains the role that Nevada Health Link plays in the health insurance marketplace. We’re proud to make health insurance accessible to more Nevadans than ever before, by simplifying the insurance enrollment process and delivering the best health insurance savings in the state.