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What are “income-based costs” and how are they calculated?

How much you pay each month for health insurance can be based on your annual household income. The chart below provides guidelines to the poverty threshold and shows different income levels relative to household size and a measurement called the Federal Poverty Level (FPL). The income below is only showing FPL levels from 138% to 400%. This is the range that consumers are eligible to receive financial subsidies through Nevada Health Link.

You can preview health and dental plans and find out how much insurance will cost for plan year 2020 on Nevada Health Link’s pre-eligibility tool.

Annual Income at 138% of the Federal Poverty Level to 400% FPL means you could be eligible for financial assistance.


For families/households with more than eight persons, add $4,480 for each additional individual. 100% of the FPL is $12,760 for an individual.

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 Monthly Premiums Under the Second Least Expensive Silver Level Plan

People will be eligible for different federal subsidies and financial help from the federal government based on their household income. One of the federal subsidies available is called an Advanced Premium Tax Credit (APTC). Once you fill out your application, we’ll tell you if you qualify for the credit. If you do qualify, the credit will go directly to the insurance company so you will be paying less on your monthly bills right from the start. Cost Sharing Reductions (CSRs) are another federal subsidy that is applied to lower your out-of-pocket healthcare costs. Individuals and families who make less than 250% of the Federal Poverty Level ($30,150 for an individual and $61,500 for a family of four) are eligible to receive CSRs.

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