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Are you a small business looking for health insurance alternatives? There are alternatives to providing a group health insurance plan for your employees. Some of them come with tax advantages. You have probably heard of a Health Reimbursement Arrangement (HRA) but did you know that there is more than one type of HRA? In fact, there are three: Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) Individual Coverage HRA (ICHRA) Excepted Benefit HRA (EBHRA) The QSEHRA and the ICHRA are for those employers who do not want to offer insurance coverage but want to help take care of their employee’s insurance needs. These types of HRA’s enable employers of any size to reimburse their employees tax-free for health insurance premiums and medical expenses. The EBHRA is for employers who offer traditional group health insurance but want to offer their employees some assistance with qualified medical expenses. This is particularly helpful for those who have high dollar deductibles. The high deductible helps to lower the monthly premium cost but it puts quite a burden on the employee. With an EBHRA the employer can reimburse employees for up to $1,800 a year in qualified medical expenses. Do any of these sound like something you might be interested in? Contact us for more information @ 702-258-1995 or email us @ Service@nevadabenefits.com.    

Team – We believe any team’s dynamic is positively influenced by working in the same space together.  Choice & Flexibility – This isn’t a conventional office, you have 24-hour access to the building. You can come and go as you please.  Variety & Network – We have a variety of individuals and services all currently working in the office.  Work-life balance – Work closer to home and have more time to do what you love with your 24-hour access.  Efficiency – Working face-to-face with your colleagues can help you to work agile, faster, and more efficiently. Design – Our office is an open layout with offices and a conference room. You can practically do anything in our Summerlin co-working space! You can hold classes, meetings, or events the list is endless.   Services – Our office comes as a full package – high-speed Wi-Fi, cleaning, utilities, and much more comes included. Cost – Our Summerlin executive suites/space is a affordable solution, never nickel and dimmed.

Open enrollment can be VERY confusing… When is it? How does it work? Why is it so hard to understand? Have you been thinking about the 2019 healthcare open enrollment – yet not sure how to proceed? Below, we have a guide that’ll walk you through the complexities of health insurance and share exactly what you need to know to get the best health insurance for you and your family. What Is Open Enrollment? Open enrollment is a period of time annually when you can sign up for health insurance.  Individuals are able to enroll in Off- Exchange plans (no subsidy) any time of the year with a 90 days wait.  So, Open Enrollment is the time to enroll on On- Exchange with a subsidy or Off – Exchange Plans without a waiting period for 01/01/20. If you don’t apply for health insurance during the open enrollment, then it’s highly likely that can’t sign up until the next open enrollment period, unless you experience a qualifying event. There’s another way around this – Outside of Open Enrollment you may still apply for health insurance but you may have a 90 day wait unless you experience a qualifying event.  So you need to make sure that you do NOT miss the deadline. Don’t let pre-existing conditions hold you back from applying – you may enroll during open enrollment regardless of pre-existing issues.  ObamaCare Facts – How Does Open Enrollment Work? With Open Enrollment for ObamaCare, anybody is qualified for health insurance coverage. Some important things to keep in mind: Health insurance plans through your job may have different Open Enrollment windows, so check with your employer for dates. You can qualify and enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time during the year. Open Enrollment Dates – …

There are new plans and pricing are available, and now is the best time to find savings! The 2021 Nevada Health Insurance Marketplace® is open for business! You have until December 31, 2020 to apply for new 2021 health insurance, or renew, change, or update your 2020 health plan for 2021. Coverage starts January 1, 2021. Now is your time to enroll during this short window. If you miss this opportunity you will have to wait until you have a Qualifying Life Event!! What are qualifying life events? There are four basic types of qualifying life events, and because they can happen any time during the year, they allow you to sign up for or change your health insurance coverage outside of the open enrollment period. Qualifying life events Loss of health coverage Changes in household Changes in residence Other qualifying events

You missed open enrollment. Or maybe your health insurance lapsed for some reason.   What are you supposed to do? Is it even possible to get health insurance outside of open enrollment? Yes, it is possible to get health insurance outside of open enrollment. This guide shares the 3 possible ways to get health insurance outside of open enrollment. 1. If you’ve had a “qualifying life event” within the last 60 days The government understands that sometimes life just happens. And when life happens, circumstances change, or situations adapt, then you should have the opportunity to get health insurance. There is a list of “qualifying life events” that will make you eligible to receive health insurance outside of open enrollment. What are the “qualifying life events?” There is a list of “qualifying life events” that will make you eligible to receive health insurance outside of open enrollment. Here’s the list of qualifying life events: Changes in your household situation: You get married or divorce You have a child or adopt a child There’s a death in the household Changes in your living situation: You move zip codes (it doesn’t necessarily have to be across state lines) A student moving to or from school that’s located in a different area Moving from transitional housing Losing your health insurance coverage Losing your health insurance because you quit your job or got terminated Losing your eligibility to have Medicaid or Medicare Losing health insurance under your parents’ plan once you turn 26 years old Forgetting to pay, or being unable to pay, your current health insurance to the point where it lapses is NOT a qualifying life event If you lose short term coverage then that is NOT a qualifying life event Other miscellaneous life events Becoming a US Citizen Leaving incarceration And …