Individual & Family Health Insurance

We at Nevada Benefits are committed to providing assistance when it comes to our clients insurance needs. We are following updates from the CDC in regards to the COVID-19 and the prevention of spreading this virus and to see what precautions need to be taken.

Recommended Preventative Measures

  1. Washing your hands often with soap and water for at least 20 seconds. If soap and water are not available, use an alcohol-based hand sanitizer.
  2. Avoid touching your eyes, nose, and mouth with unwashed hands.
  3. Avoid close contact with people who are sick.
  4. Stay home when you or your children have symptoms of illness or are sick.
  5. Cover your cough or sneeze with a tissue. Coughing into your arm is an alternative.
  6. Clean and disinfect frequently touched objects and surfaces.

We are the leading Health Insurance broker for families and individuals.

 Nevada Health Link Plans, the Nevada Exchange, and ObamaCare Health Insurance aren’t cheap. The Affordable Care Act was designed to make premiums more affordable for individuals and families that aren’t offered health insurance through their job by giving them an advance on your taxes called an Advanced Premium Tax Credit. We use Healthcare.gov to submit a preliminary tax return to the government and tell them what you expect your income will be for the coming year. You then are given some additional money to help purchase your insurance based upon your income. We can only purchase certain plans with this government money, though. 

If you are doing well financially and not eligible for these funds or just don’t want to deal with it, you can still purchase health insurance plus you have even more options! If you are offered health insurance through an employer, you are not eligible for the tax money, but you are always more than welcome to get your insurance. We have found that family members benefit the most from buying their own policies as typically the employee portion is the one the employer subsidies.

Tax penalties.We can explain them to you, but Turbotax does a lot better job in the video below regarding tax penalties for not purchasing health insurance from the exchange, Nevada Health Link or Healthcare.gov

The Reality of Shopping for Health Insurance: Don’t Shop for Price!In Nevada, there are 20 important insurance companies with over 200 plans to choose from, each selling their product through thousands of brokers and agents. Many of these agents aren’t even located in Nevada and would have trouble finding us on the map! Most brokers out there will try to sell you a low cost, high deductible, low benefit plan on the “best price”, a great deal. However, under Nevada law, all insurance plans for the same person and coverage must be priced equally, so everyone gets the same price!

Staying Healthy Costs Money (& That Wrong Plan Can Be More Expensive)Healthcare costs are rising at an alarming rate, and the results can seriously impact your life. Last year, 42% of all bankruptcies were due to medical bills, and 78% of those medical bankruptcies were insured but obviously not on the right plan (learn more). Getting on a good plan is healthy for your life and your financial well-being! Look up insurance plans now…

What to Look for From Your Health Insurance Agents? Do they know your name? A good insurance broker is focused on your individual and family health insurance needs, not their commissions! They will find you the best plan for your unique situation and listen to you, not sell the plan of the week. A great agent will go to war with the insurance company when there is an issue as your advocate, fighting for you. You are a person, not a number from a website, so demand the service you deserve!

Nevada Benefits is your Las Vegas-based, affordable, independent insurance and financial services team. Get your health insurance quote right now, call us at 702.258.1995 (Vegas) or 775.329.1995 (Reno), or email us today to get insured tomorrow!

Need more information. Check out our team here.  Need Dental Insurance? Check out our Individual Dental Insurance Nevada plans. We also offer a variety of financial services for Las Vegas residents to include Wealth Management.

Here’s some more information about healthcare exchanges.

Poverty Guidelines for 2021

Individual & Family Health Insurance
Frequently Asked Questions

It depends on:

  • How your income compares to the Federal Poverty Level
  • The size of your family.

The main factor is your income. You can qualify for a subsidy if you make up to four times the Federal Poverty Level. That’s about $47,000 for an individual and $97,000 for a family of four. If you’re an individual who makes about $29,000 or less, or a family of four that makes about $60,000 or less, you may qualify for both subsidies.

If you get a subsidy, you’ll have to report it when you send in your taxes. When it’s time to file your taxes, you’ll get a 1095 form with all the necessary information.

Open Enrollment runs from November 1, 2020 to January 15, 2021. For coverage beginning January 1, 2021 you must enroll by December 31, 2020. Outside the Open Enrollment Period, you generally can enroll in a health insurance plan only if you qualify for a Special Enrollment Period.

Application must be submitted by December 31, 2020 to have an effective date January 1, 2021. Any application submitted January 1, 2021 to January 15, 2021 will have an effective date of February 1, 2021.

Yes! We can assist you online and walk you through the entire process via email & phone. You do not need to come into our office to sign up for health insurance.

You qualify for a small business insurance plan if you have 2 of more full-time employees. The two employees can’t be related by marriage. Your small business must be registered with the secretary of state in Nevada.

Health insurance is contract agreement either between your employer and the insurance company or between you (buying your insurance) and the insurance company. The agreement comprises the health insurance company to pay all medical expenses (routine checkup, in cases of illness or accidents) based on the terms and condition of the signed coverage in exchange for paying an appropriate fee on a regular basis. Approximately 198.8 Million individuals in the USA are insured with private health insurance while others are sheltered by a government program like Medicare and Medicaid. On the other hand, based on United States Census Bureau, there are still 48 Million Americans who are not insured as of the year 2012.

Nowadays, treatment either from a clinic or a hospital is very costly. According to the US government, an individual who has a broken leg pays not less than $7000, not to mention the days wherein a person needs to stay in the hospital that would cost from $5,000 to $10,000 per day. Without the health insurance, a lot of individuals will experience a financial breakdown. An insurance company guarantees their clients that in times of hospital care, there is money available to pay the medical bill.

These are medical fees that need to be settled from your pocket before the insurance company comes in. The deductible is the first amount you must complete every year depending on the detailed health insurance plan coverage. The copayment, on the other hand, is a minimum payment to the clinic or hospital for medical service, while the coinsurance is a like a share of a fee that you need to pay for every service that you have received.

The Affordable Care Act or known as Obamacare is a law that set the bar for health insurance to be affordable and improved for all Americans. It was signed by President Obama in March 2010 for a purpose of expanding the health insurance coverage for Americans who are not yet insured. The law mandates an individual to have insurance or pay a penalty and to monitor the policies of insurance companies that charge more or refusing to accommodate a person who has a pre-existing illness.

The Obamacare’s health insurance, an individual who has low income, may qualify for minimum cost insurance. A person may receive subsidies and allowed to be exempted from paying the penalty. Medicaid is also an option for individuals who have no or little income.

The requirement is based on the earnings per year. For those individuals who are earning between $11,500 and $46,000 may receive the “advance premium credit” that lowers the monthly insurance bill. This discount allows a person to decide how much money to put in the insurance monthly. Moreover, for a family of four members that earns accumulatively $23,550 up to $94,200 without an employer may take advantage of the premium discount.

One of the Obamacare’s health insurance priorities is to help a person and small businesses create an available and effortless inquiries online about certain health coverage that suits their budget. The process is available in all federal states including the District of Columbia which provides information if a person is qualified for the tax subsidy or the federal health programs such as Medicaid and Medicare.

For those individuals who do not have insurance, a penalty must be settled. On the other hand, persons with the following situations may be exempted.

  • Uninsured for less than ninety days
  • Low-income individuals who cannot afford the health insurance
  • Qualified to have the Medicaid program
  • Member of religious groups who disapproves health insurance process
  • A contributor in health care pastoral care

You don’t need to pay a penalty if you are insured to the following health care programs:

  • Veteran’s health program
  • A member of Medicaid, Medicare and Children’s health insurance program (CHIP)
  • Peace Corps Volunteers program

The state’s marketplace is where all health insurance offers their services from hospitalization, emergency and therapeutic services, diagnostic examinations, preventive benefits, prescription medicines, mother and child care, mental illness and substance abused treatment. You can inquire online, and compare all the advantages and competitive prices which you can offer.

Why Choose Nevada Benefits?

Save up to 70%

We monitor over hundreds of companies to get you the best rate humanly possible.

Independent Advocate

We work for you, not insurance companies!

Escape Clause

Cancel your order in ten days if you are not happy.

Licensed Broker and Insurance Agent   

We also have MBAs and Certified Financial Planners (CFPs) on staff.

Free Help, Awesome Customer Support

Our staff will assist with quotes, applications and make your day better.

Reduced Paperwork

There are documents to complete, but we will fill in the details and make it painless.

Free Renewal Comparisons

If you want to make a change, we will help you find a better plan and rate

Knowledge of Local Docs

Need help finding a great doctor? We know the area and the people.

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