Offering health insurance shouldn’t feel like a guessing game. If you’re a Nevada business owner with a team of 2 to 100+, the right plan can help you attract great people, manage costs, and stay competitive — without overcomplicating things.
There are more options than ever before. The key is figuring out what works best for your business, your employees, and your budget.
Group Health Plans: What Most Nevada Employers Start With
Traditional group health insurance is still one of the most common ways small businesses provide coverage. These plans are offered through major carriers and come with a monthly premium. Most include built-in benefits like preventive care, network pricing, and cost-sharing structures.
Nevada businesses can choose from:
PPO (Preferred Provider Organization)
Flexibility to see doctors in or out of network.
HMO (Health Maintenance Organization)
POS (Point of Service)
HDHP (High Deductible Health Plan)
If you’re looking to keep things simple and predictable, a group plan with a local agent guiding the process is a great place to start.
Level-Funded Plans: Predictable Costs with a Potential Payback
Level-funded plans are growing fast among businesses with 10+ employees. You get the structure of a traditional group plan — monthly payments, carrier networks, admin support — but with a twist: if your team has lower claims than expected, you could get a portion of your money back at the end of the year.
These plans offer:
- Fixed monthly costs
- Stop-loss protection
- Potential refunds when claims are low
HRAs: A Flexible, Tax-Free Alternative
Not every business wants to offer a full insurance plan. That’s where HRAs (Health Reimbursement Arrangements) come in. These accounts allow you to reimburse your employees — tax-free — for premiums and qualified medical expenses.
Here are the three main types:
QSEHRA (Qualified Small Employer HRA)
- For businesses with fewer than 50 full-time employees
- Set a monthly allowance for each employee
- Employees buy their own insurance and get reimbursed
ICHRA (Individual Coverage HRA)
- Available to businesses of any size
- You define employee classes (like full-time vs. part-time) and give each group a monthly allowance
- Employees choose their own health plans
EBHRA (Excepted Benefit HRA)
- For businesses that already offer a group health plan
- Lets you reimburse employees up to $1,800/year for out-of-pocket expenses
- Helpful for offsetting the cost of high deductibles
Which Option Is Right for You?
Here are a few questions to help guide your decision:
- How many people are on your team?
- Do your employees prefer flexibility or structured coverage?
- Is controlling monthly costs your top priority, or is plan variety more important?
- Do you need nationwide network access, or are your people based in Nevada?
Nevada Benefits Can Help You Make the Right Call
You’ll pay the same premium no matter who you buy from. What makes the difference is who’s helping you choose.
We work with businesses across Las Vegas, Reno, and throughout the state to build plans that actually make sense — for your team, your goals, and your budget. Whether you’ve got a crew of five or a team of 50, we’ll help you skip the guesswork.
