The premiums shown are for ACA compliant plans in which premiums may only be based on age, geographic location, family composition, and tobacco use. Other rating factors including, but not limited to, sex/gender, health history, current health status, and history of being insured are prohibited. All plans must cover the Essential Health Benefits with no annual or lifetime limits.
Most plans will be classified into three metal tier levels. The silver tier represents 30 percent cost sharing, and the gold tier represents 20 percent cost sharing. Some carriers who do not offer plans on Nevada Health Link only offer bronze metal tier plans; for this tier cost sharing is 40 percent.
Some carriers also offer catastrophic plans, which are typically limited to only those who are under the age of 30. These catastrophic plans offer only preventive care and 3 primary care visits until the annual out of pocket maximum is reached, at which time eligible expenses are paid at 100 percent. Individuals enrolled in a catastrophic plan are not eligible for APTC.
Approved rates and any applicable rate increases for plans submitted in the individual and small group markets are available to view on the Nevada Division of Insurance Website. Rates are received by the Nevada DOI, and approved by the Nevada DOI. If you would like make comments to the proposed rates and plans, please do so by visiting the DOI website via this link: http://doi.nv.gov/Rate-Filings/. You will need to choose a company and plan and then scroll down to the comments section. Thank you!
To learn more about rates and to choose a plan, visit the DOI website here. From here, to learn more about the provider network within the plan you choose, visit the Nevada Division of Insurance’s website here to view provider directory.
Estimated Premium and Subsidy Calculator
The Health Insurance Marketplace Calculator provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). With this calculator, you can enter your income, age, and family size to estimate your eligibility for subsidies and how much you could spend on health insurance. You can also use this tool to estimate your eligibility for Medicaid. As eligibility requirements may vary by state, please contact your state’s Medicaid office or Marketplace with enrollment questions.
The following medical carriers will offer plans on Nevada Health Link in 2019:
- Health Plan of Nevada (HPN)
- Exchange Notices – Consumer Justification located at the bottom of the page
- Silver Summit (Centene)
The following dental carriers will offer plans on Nevada Health Link in 2019:
- Alpha Dental
- Anthem – Rocky Mountain
- Best Life (Individual and SHOP plans available)
- Delta Dental
For a complete list of stand alone dental plans offered CLICK HERE