Compare your Nevada coverage options with a licensed advisor. Individual, family, self-employed, and small business plans, marketplace subsidies, and enrollment help, explained in plain language.
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Nevada residents have several coverage paths, from marketplace plans and subsidies to private options and employer coverage. Whether you are self-employed, raising a family, or running a small business, clear guidance on how coverage works in Nevada is the first step toward a plan that fits.
Nevada runs its own state-based marketplace, Nevada Health Link, where residents compare and enroll in individual and family plans. Private carrier options are also available.
Nevada has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost.
Open enrollment generally runs November 1 through January 15, and Nevada's state-based marketplace sometimes extends this window. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Jordon Murphy Health is a licensed advisory firm serving Nevada residents. We help you compare options, understand costs, and enroll with confidence, at no cost to you.
Nevada's Battle Born State Plans launched for the 2026 plan year, making Nevada the third state to actually operate a state-run ACA public option — after Washington (live since 2021) and Colorado (live since 2023) — even though Nevada was only the second state, behind Washington, to pass the underlying law. What sets Nevada's version apart is how tightly it's wired to the state's own Medicaid program, and how its real first-year enrollment compares to what state officials projected before the plans launched. This is an independent, educational overview — this site is not Nevada Health Link or the Health Insurance Marketplace, isn't affiliated with either, and nothing here is a promise of savings for any individual shopper; what a specific person pays still depends on income-based subsidy eligibility and which plan they're comparing.
Nevada was the second state in the nation to pass a public-option law, after Washington's first-in-the-nation statute in 2019. Nevada's version — Senate Bill 420, enacted in 2021 and effective in 2026 — added a distinctive twist: any insurer holding a Nevada Medicaid or CHIP managed-care contract must also submit a proposal to offer a Battle Born State Plan on the exchange. That rule is a big part of why three of the state's insurers (Anthem, SilverSummit Health Plan/Ambetter, and Health Plan of Nevada) ended up offering Battle Born State Plans when they debuted for the 2026 plan year, according to the National Academy for State Health Policy's legal summary of the statute.
When Nevada's 2026 Open Enrollment Period wrapped up in mid-January, Battle Born State Plans had enrolled 10,762 people — just over 10% of the roughly 104,000 Nevadans who had signed up for coverage through Nevada Health Link by that point. That's well short of the roughly 35,000 public-option enrollees state officials had projected before enrollment opened, KFF Health News reported. A Nevada Health Link spokesperson told KFF the original estimate was set before recent increases in marketplace premium costs — not because of any problem with the plans themselves.
Nevada Health Link's own Plan Year 2026 announcement states that Battle Born State Plans are required to be offered statewide, unlike many private plans that concentrate in populous counties. The exchange specifically called this especially significant for Nevadans in rural areas, who have more plan choices this year as a result.
Nevada law sets two separate, concurrent pricing floors for Battle Born State Plans, each measured against the state's official "reference premium" (a benchmark based on the second-lowest-cost silver plan sold on the exchange): premiums must run at least 5% below the local reference premium in every zip code, and — at the same time, not as a later target — the statewide average premium must run at least 15% below the average reference premium, a requirement the law holds through 2030. Separately, yearly premium increases are capped at the growth rate of the Medicare Economic Index. These are pricing floors insurers must design the product around — not a guarantee that any individual shopper saves 5-15%, since actual out-of-pocket cost still depends on income-based subsidy eligibility and which plan it's being compared to.
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Learn MoreBattle Born State Plans are Nevada's new state-run public option, launched for the 2026 plan year and required by law to be offered in every county, including rural areas many private insurers skip. State law also requires their premiums to run at least 5% below the local benchmark price. Whether one is actually your best choice still depends on your specific doctors, prescriptions, and subsidy eligibility, not just the price floor. We check Battle Born options alongside every other Nevada Health Link plan so you see your full picture before you enroll.
Nevada runs its own state-based marketplace, Nevada Health Link, where residents compare and enroll in individual and family plans. Private carrier options are also available. We help you compare both marketplace and private options and choose the one that fits your doctors, prescriptions, and budget.
Many residents qualify for income-based premium tax credits that lower monthly costs. Nevada has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost. We check whether you qualify and help you set an accurate income estimate.
Open enrollment generally runs November 1 through January 15, and Nevada's state-based marketplace sometimes extends this window. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Yes. We work with Nevada individuals, families, self-employed professionals, and small business owners across Las Vegas, Henderson, Reno, North Las Vegas, and Sparks and statewide, matching each situation to the right coverage.
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