Nevada Insurance 101 - Get the specifics on Open Enrollment, including who, what, where and why.

Get the specifics on Open Enrollment, including who, what, where and why.

Open Enrollment: Who, What Where, Why

The 2018 Open Enrollment officially begins on Wednesday, November 1st Open Enrollment is when consumers who are interested in obtaining subsidies or tax credits to help pay for health insurance can purchase a policy through Nevada Health Link. This is the fifth enrollment period since the Affordable Care Act was implemented.

This blog’s message is information on the open enrollment process. 

There are several ways to purchase a health insurance policy. Nevada Health Link, powered by Healthcare,gov is the online marketplace for consumers to purchase a health insurance policy. Nevada Health Link provides free assistance by licensed enrollment professionals. Also, insurance agents within the state can assist with enrolling consumers in a health insurance policy. Nevadans can also reach out directly to an insurance carrier for help purchasing a health insurance policy.

The Division encourages every Nevadan to protect themselves and their family against a great financial burden from a health issue.  Dealing with illness or injury is sufficient stress without adding a financial component into the mix.  Additionally, the penalty for not having health insurance increased in 2016 to $695 for an individual and $2,085 for a family or 2.5 percent of your household income, whichever is greater.

Frequently Asked Questions

Everyone should shop for coverage...even if you already have insurance. There are new plans available each annual enrollment period so you should be sure to review your options. Even if you decide to stay with your current plan, here are some questions you should ask to be sure that you pick the plan that is best for you.

  • Does the health plan cover your preferred doctor?

  • Are your current medications covered by this plan?

  • Are you eligible for a subsidy?

  • Do you anticipate high or low medical expenses next year?

  • Is the premium affordable?

  • Is the deductible affordable?

Put all that knowledge to work. Use our Rate Wizard Tool to compare rates now.

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