About Plan Options & What’s Covered

Nevada Health Link allows individuals to shop for, compare, and purchase qualified health insurance plans with tax credits or subsidies that are based on your income. Explore a variety of plans from different insurance carriers, as well as tools and resources that will help you choose a plan that fits your life.

What We Offer

Learn about the insurance that’s available through Nevada Health Link.

Ten Essential Health Benefits

Since the passing of the Affordable Care Act, insurance companies are required to cover 10 categories for any qualified health plans, while following established limits on deductibles and payments:

While all qualified plans must offer these ten essential health benefits, the scope of each plan may differ slightly. Keep an eye on your premiums and decide which plan is best for you.

Insurance Rates and Carriers

Learn more about the insurance carriers partnered with Nevada Health Link. To find out more about rates and to choose a plan, visit the Nevada Division of Insurance’s (DOI) website. From here, you can learn more about the provider network within the plan you choose by visiting DOI’s provider directory.

Short Term Limited Duration Plans

The final ruling on Short-Term Limited-Duration Insurance by The U.S. Department of Health and Human Services (DHHS) means that some insurers may now offer products that don’t adhere to previous Affordable Care Act (ACA) requirements. Without the protections afforded within Nevada Health Link Qualified Health Plans, consumers who purchase Short-Term Limited-Duration Plans may think they have coverage, but with little benefit.

The ruling not only undermines high-quality, comprehensive insurance, but also loosens requirements on insurance plans that can discriminate against people with pre-existing conditions, and makes it so that these short-term plans don’t have to cover essential benefits, don’t cover prescription drugs outside of the hospital setting, and are free to leave people unprotected from health and financial harms.

It’s more important than ever that consumers are careful when comparing insurance options, and make sure that the plan they select won’t leave them high and dry in the case of an unexpected medical event. You may find that short-term plans offer lower premiums, but remember they offer far less coverage as a result, meaning potentially higher costs if you or a family member gets sick or needs certain types of medical care.