Starting on October 1st, there will be a new way to shop for health insurance. Nevadans can compare and purchase different private health insurance plans based on their individual needs on Nevada’s state-run Health Insurance Marketplace, called Nevada Health Link. Health Insurance Marketplaces give consumers control over their own health insurance options and allow them to find coverage that fits their budgets. Open enrollment lasts from the beginning of October through March 31, 2014. Coverage begins as soon as January 1, 2014.
Once open enrollment begins, Nevadans can fill out one streamlined application on Nevada Health Link to enroll in and shop among private health insurance options. On Nevada Health Link, consumers can see what costs are before they decide to enroll. And all health insurance plans must cover the important benefits, like doctor visits, hospitalizations, maternity care, emergency room visits, preventive services and prescriptions.
Financial help is also available on Nevada Health Link. Nevada Health Link will tell consumers if they are eligible for a new tax credit that will lower their monthly premiums. This tax credit helps to make insurance more affordable, and it will be available to middle class Americans earning up to approximately $94,200 for a family of four.
The same streamlined application will also work for those enrolling in programs like Medicaid or the Children’s Health Insurance Program (CHIP, known as Nevada Check-Up in the Silver State). Nevada is expanding its Medicaid program under the health care reform law so individuals with income up to approximately $15,280 will be able to enroll through the Marketplace.
I am looking forward to the start of open enrollment on October 1. If you would like to sign up, or need more information, please visit exchange.nv.gov.
Contact Harry Reid at http://reid.senate.gov/