Areas of Interest
The Affordable Care Act is already helping to ensure that hardworking families in Nevada have access to quality, affordable health coverage. The law created new Health Insurance Marketplaces—websites where people will be able to shop for health insurance. Nevadans can compare and purchase different private health insurance plans based on their individual needs on Nevada’s state-run Health Insurance Marketplace, called Nevada Health Link. Those outside of Nevada can get coverage on their states’ Marketplace or through HealthCare.gov. Open enrollment starts on October 1, 2013 and ends on March 31, 2014. Coverage begins as soon as January 1, 2014.
On October 1, 2013, there will be a new way to get health insurance coverage: Health Insurance Marketplaces (formerly called “exchanges”).
What is a Health Insurance Marketplace?
Health Insurance Marketplaces are where individuals and small businesses can compare and purchase different private health insurance plans based on their individual needs. On the Health Insurance Marketplaces, people can directly compare plans on the basis of price, benefits, quality, and other factors.
Health insurance marketplaces allow for an “apples-to-apples” comparison of health plans. All insurance plans will clearly outline the costs of their plans and what they cover. And because insurance companies will be competing for your business, Health Insurance Marketplaces will help lower premium costs.
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Does Nevada have its own Health Insurance Marketplace?
Yes. The health care reform law gave states the option set up their own Health Insurance Marketplaces. Nevada has chosen to set up its own Marketplace, called Nevada Health Link.
Who can get insurance on the Health Insurance Marketplace?
If you need coverage, you can use the Health Insurance Marketplace. You are eligible to get health insurance on the Health Insurance Marketplace if you:
- Live in the United States
- Are a U.S. citizen or national (or are lawfully present)
- Are not currently incarcerated
What kind of health insurance can I get on the Health Insurance Marketplace?
On Nevada Health Link, Nevadans can shop among private health insurance options and enroll in the insurance plan that works best for their individual needs.
- Those who do not have health insurance can buy coverage on the Marketplace
- Low-income individuals can use the Marketplace to see if they are eligible and sign up for programs like Medicaid or Nevada Check-Up (CHIP)
- Middle-class families buying coverage on the Marketplace can get lower costs on their monthly premiums on the Marketplace
When can I get health insurance coverage on Nevada Health Link?
Open enrollment starts on October 1, 2013 and ends on March 31, 2014. Coverage bought on Nevada Health Link begins on January 1, 2014.
How will Nevada Health Link Work?
On October 1, 2013, you can go online to log on to Nevada Health Link to fill out one streamlined application for health insurance coverage and enroll in real-time. You can also enroll by calling Nevada Health Link’s Toll-Free Call Center, or you can find in-person assistants in your area to help you enroll. For more on what to expect, click here.
When you fill out the streamlined application, you will be asked to provide information about you and your family and things like your income and household size. This information will help Nevada Health Link find options that meet your needs.
Once you have filled out the application, Nevada Health Link will provide you with a list of health insurance plan options based on the information you have provided. You will be able to compare plans and purchase coverage. Nevada Health Link will also let you know if you qualify for Medicaid or Nevada Check-Up (CHIP). You can then sign up for that program without having to fill out a separate application.
Nevada Health Link will also let you know if you are eligible to receive a subsidy to lower your monthly premium or if you qualify for a cost-sharing reduction to lower your payments for out-of-pocket costs. Savings depends on income and family size.
What kinds of benefits will plans on the Health Insurance Marketplace offer?
All plans sold on the Health Insurance Marketplaces, known as qualified health plans, offer essential health benefits, including doctor visits, preventive care, hospitalization, prescriptions, and more.
The health care law requires that plans sold on the Health Insurance Marketplaces meet certain levels of coverage. Each level of coverage is associated with a measure of the average percentage of health care costs the plan will cover. Click here for more information.
How much will plans on the Health Insurance Marketplace cost?
The prices of plans offered on the Health Insurance Marketplaces have not been set yet. Prices will be available when enrollment begins on October 1. Click here to learn more.
- Providing subsidies for middle class families for health insurance premiums
- Slowing premium increases
- Making sure insurance companies spend your premium dollars on health care, not profits
- Requiring insurance companies to justify high rate hikes
- Helping states fight unreasonable premium increases
- Expanding Medicaid
- Seven ways to save on the Marketplaces
- Adding adult children to your health plan
- Adult children up to age 26
- Covering children with pre-existing conditions
- Preventive services for children
- Medicare beneficiaries are considered covered
- Medicare drug discounts
- More Medicare drug savings are coming through 2020