Nevada Exchange Health Insurance Plans
Qualified Plans on Nevada Health Link
Beginning October 1, 2013, each state was required by law to have a new online marketplace where residents can buy health insurance. In these marketplaces, most states will offer five tiers of Obamacare Health Exchange Plans: platinum, gold, silver, bronze and catastrophic. Platinum plans will offer the highest level of coverage but tend to cost more in monthly premiums. Bronze plans will cover only a bare minimum of health care expenses but tend to have low premiums. If you are relatively healthy and want to pay less up front, consider a lower-tier plan such as bronze or silver.
You should also look at a Nevada Health Link plan if you are lower-income, because the government will give financial help on a sliding scale to pay for premiums, and better benefits if you select a silver-tier plan. If you have not already done so, we can tell you if a Nevada Health Link plan makes sense given your income on the State Overview tab, under the heading, "Do I Qualify For a Tax Break?"
Read ACA and Health Insurance: Which "Metal" Tier is Right for You? for more advice on choosing between metal tiers.
Anthem and the Nevada Co-Op are the only two insurers offering exchange plans statewide, reports the Elko Daily Free Press. Saint Mary’s and Health Plan of Nevada do not offer coverage in the state's rural counties.
Anthem Blue Cross and Blue Shield. Owned by WellPoint, Anthem is Nevada’s second largest insurer, according to the Las Vegas Review-Journal. Anthem is affiliated with the Blue Cross and Blue Shield Association, the oldest U.S. health insurance system. The Blue Cross and Blue Shield Association offers coverage in all 50 states, Washington, D.C., and Puerto Rico and has 37 Blue Cross and Blue Shield companies that serve over 100 million members (one third of all Americans), according to the company. Nationally, Blue Cross and Blue Shield companies have contracts with over 96 percent of hospitals and 91 percent of providers. Nevada residents who buy an Anthem exchange plan may not have access to the entire network of doctors and hospitals.
Health Plan of Nevada. A part of United Healthcare, HPN offers health maintenance organization (HMO) and point of service (PoS) plans to over 400,000 members in Clark, Esmeralda, Lyon, Mineral, Nye and Washoe counties. A searchable provider directory is available for HMO and PoS plans.
Nevada Health Co-Op. Sponsored by the Culinary Union Fund and the Health Services Coalition, according to Nevada Business, this new nonprofit, member-governed co-op offers Nevada residents exchange plans in every tier. A searchable provider directory is available.
Saint Mary’s Health Plans. Originally established in 1993 as a health maintenance organization (HMO) through Saint Mary’s Regional Medical Center, SMHP grew to include Saint Mary’s Preferred Health Insurance Company, Preferred Health Care Network (PHCN), CDS Group Health and HealthFirst. Its network includes 34 hospitals and more than 3,500 doctors, according to the company.
Last updated by Heilbrunn, Evi | December 6, 2013