Healthcare plans – for whatever life throws your way.
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Is individual health coverage right for you?
You do not have employer healthcare coverage.
You’re self-employed.
You’re a contract worker
(examples: travel nurse, construction, freelancer.)
Individual Coverage Products
On-Exchange Plans Through Nevada Health Link
Affordable Care Act (via Nevada Health link)
Plan premiums are based on age, zip code, tobacco usage, Household Size and Income
Get an Advanced Premium Tax Credit (APTC or Subsidy) to lower monthly premiums
Requires a qualifying life event (QLE) if not in open enrollment
Multiple plans to choose from
Off-Exchange Plans
Private insurance plans
plans are not eligible for the Advanced Premium Tax Credit (APTC)
recipients pay the full premium.
Requires a qualifying life event (QLE) if not in open enrollment
Short-Term Health Insurance Plans
Requires medical underwriting
Time limits for coverage
Ideal for GAP coverage
Start securing your future today
Get StartedHow We Help Individuals Find Their Perfect Plan
Excellent Communication
Clients have a direct line of communication with an agent. No matter what questions you have about your plan, we’ll respond as quickly as possible.
Customization
We understand your needs are unique – and we’ll do everything possible to help you find a plan that meets them.
Comprehensiveness
Our goal is to help you cover all your bases with healthcare coverage.
How to Get Started: Critical Documentation
Proof of life event
Marriage Certificate, Birth Confirmation, Coverage Termination Letter, etc.
Proof of residency
Utility Bill, Lease Agreement, Credit Card Statement, Mortgage Statement, etc.
Proof of identity
Social Security Card, Drivers License, Passport, Green Card, etc.
Frequently Asked Questions
On-exchange insurance refers to major medical health insurance plans purchased through the Marketplace or through a broker (like us!), established by the Affordable Care Act (ACA) also known as ObamaCare. The state of Nevada uses Nevada Health Link to manage these plans where members may qualify for tax credits or subsidies.
Off-exchange insurance refers to major medical health insurance plans that are purchased directly from an insurance company or through a broker (like us!). These plans are also regulated by the Affordable Care Act (ACA) or ObamaCare. Off-exchange plans do not have tax credits or premium assistance.
Both plans provide essential health benefits and do not deny coverage for pre-existing conditions.
PPO: Preferred Provider Organization
PPO plans have a network of providers to choose from. Members can see any healthcare provider as long as the provider is willing to bill the plan, but they will pay less if they use a provider within the PPO network. These plans do not require referrals to see a specialist but sometimes the specialist may require a referral no matter what.
HMO: Health Maintenance Organization
HMO plans have a network of providers to choose from and generally require members to choose a primary care physician. These plans only cover emergency care outside of the plan’s service area. Members must get a referral from their primary care physician to see a specialist. Typically, these plans will have lower premiums than a PPO plan.
EPO: Exclusive Provider Organization
A managed care plan where services are covered only if you go to doctors, specialists, or hospitals in the plan’s network (except in an emergency).
HSA: Health Savings Account Qualified Plan
A Health Savings Account is a tax-favored savings account combined with a qualifying high-deductible health insurance plan. You must first have a high-deductible health insurance plan that qualifies to be partnered with an HSA.
Short-term health insurance plans are temporary plans that have limited coverage durations and benefits. Plans are available from one to 6 months. Short-term plans are not major medical plans and do not always provide coverage for essential health benefits. Generally, these plans do not cover preventative care and are intended in case of emergency. Medical underwriting is required to enroll on short-term plans, they may have pre-existing condition limitations, and they are not renewable.
Generally, if you are eligible for employer-sponsored health insurance, you may not be eligible for premium assistance through Nevada Health Link. However, there are certain situations where a member may be able to get premium assistance despite being offered employer coverage. Please contact our office so we can discuss your specific situation in more detail and determine if you qualify for premium assistance.
For purposes of the premium tax credit, your household income is your modified adjusted gross income (MAGI) plus that of every other individual in your family for whom you can properly claim a personal exemption deduction and who is required to file a federal income tax return. Modified adjusted gross income (MAGI) is the adjusted gross income on your federal income tax return plus any excluded foreign income, nontaxable Social Security benefits (including tier 1 railroad retirement benefits), and tax-exempt interest received or accrued during the taxable year. It does not include Supplemental Security Income (SSI).