The word about the Open Enrollment Period has spread like wildfire and with Nevada Health Link, Nevadans have a total of 163 Qualified Health Plans to choose from (number of available plans vary by county).
If you’re in the midst of searching for the most affordable health plan for you and your family, it’s normal to wonder if you qualify for the coverage you want.
Don’t feel rushed right now—you have until January 15, 2023, to decide on a plan. As you gear up to shop, here’s how to find out if you qualify:
Find out your household income
Nevada Health Link, the state’s official health insurance marketplace, is the only place you can receive federal tax credits known as subsidies, to help cover the cost of your health insurance.
How much you pay each month for health insurance, will be based on your household income, family size, and location. You can learn how to estimate your household income here.
One step closer to getting subsidies on health insurance!
9 out of 10 enrollees are saving more than ever before with health insurance plans through Nevada Health Link. Depending on your individual situation, you may be eligible to receive financial subsidies to help pay for your monthly premiums. Learn more about who qualifies: https://www.nevadahealthlink.com/qualify/
If you have Medicaid coverage, you’re not eligible to receive financial assistance through Nevada Health Link.
Plans made for every lifestyle
Many students, part-time workers, small business owners, gig workers, and retirees that don’t have sponsored health insurance qualify for affordable coverage with Nevada Health Link.
In general, you qualify if:
- You live in Nevada.
- You are a U.S. citizen or national (or be lawfully present). Learn about eligible immigration statuses here.
- Are not incarcerated.
- Don’t have employee sponsored coverage, Medicaid, or Medicare.
What’s special about Qualified Health Plans?
Nevada Health Link is the best choice for Nevadans as it’s the only place that guarantees to cover the 10 Essential Health Benefits in all qualified health plans with no annual or lifetime limits. Benefits include emergency services, mental health and substance use disorder services, prescription drugs, pregnancy and newborn care (birth control & breastfeeding), rehabilitative services, laboratory services, preventive services, and pediatric services.
Picking a plan that fits your plans
When it comes to selecting a plan at Nevada Health Link, you will notice three tier levels: Gold, Silver, and Bronze.
Each tier includes the 10 Essential Health Benefits but are also crafted to best fit your lifestyle and budget:
- Gold: 20% cost sharing (a higher monthly premium; lower costs when you need care).
- Silver: 30% cost sharing (a moderate monthly premium; moderate costs when you need care).
- Bronze: 40% cost sharing (a lower monthly premium; higher costs when you need care. Some carriers who do not offer plans on Nevada Health Link only offer bronze metal tier plans).
- Catastrophic Plans
Catastrophic plans cover the same essential health benefits as other Nevada Health Link plans. Like other plans, catastrophic plans cover certain preventive services at no cost and can cover at least three primary care visits per year before you’ve met your deductible.
Catastrophic plans are typically limited to those who are under 30, not eligible for the Advance premium tax credit (APTC), or have only so many preventive care visits until the annual out of pocket maximum is reached.
Learn more about catastrophic plans with Nevada Health Link.
Find free help near you
Nevada Health Link has a statewide network of licensed enrollment professionals who have been trained to assist you with the application and enrollment process, and their assistance is available to you at no cost. After enrolling, your assister can continue helping you throughout the year by reporting changes to your account, helping you understand important notices, walking you through the annual renewal process, and more.
Free assistance is available in multiple languages with licensed enrollment professionals by calling the customer service line at 1-800-547-2927 or visit enroll.nevadahealthlink.com