Nevada Healthlink Guide
Health Coverage Made
Simple For Nevada
Finding the right health insurance on the exchange is easier than you think. Let us guide you through your options and check your eligibility for federal tax credits.
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How The ACA & APTC Work
Advanced Premium Tax Credits (APTC) act as an instant, federal discount. Here is how they reduce your monthly health insurance payments in real-time.
Your Income
Your eligibility begins with your household size and estimated yearly income. This establishes the baseline for your subsidy.
Federal Credit
The government covers a portion of your plan automatically. This credit is paid directly to your chosen insurance carrier every month.
Lower Monthly Premium
You only pay the remaining balance. This drastically reduces your out-of-pocket costs, making comprehensive coverage truly affordable.
Understanding HMO vs PPO
KEY FACT: ALL NEVADA HEALTH LINK PLANS ARE HMOS
Health Maintenance Organization (HMO)
An HMO requires you to use doctors, hospitals, and clinics within its specific local network to be covered. You will also select a Primary Care Provider (PCP) to coordinate your care and provide referrals when you need to see a specialist.
- Strictly in-network coverage only
- Primary Care Provider (PCP) required
- Referrals needed for all specialists
FOR COMPARISON ONLY
Preferred Provider Organization (PPO)
A PPO offers more flexibility, allowing you to see any healthcare provider in or out of network without a prior referral. However, out-of-pocket costs are typically significantly higher when utilizing out-of-network care.
- In and out-of-network coverage
- No Primary Care Provider required
- See specialists without referrals
- Not available on Nevada Health Link
Trusted Carriers In Nevada
Nevada Health Link partners with top-rated insurance providers to ensure you receive quality coverage. Explore the 8 approved carriers below. Note: All Nevada Health Link plans are HMOs designed for coordinated local care.
Anthem
Statewide coverage and comprehensive wellness programs.
Ambetter
Affordable options with accessible telehealth benefits.
CareSource
Community-focused care and strong local support.
Health Plan of Nevada
A UnitedHealthcare company with extensive providers.
Renown Health Plans
Deeply integrated care focused in Northern Nevada.
Imperial
Dedicated to health value and quality patient care.
Molina
Accessible care with a wide range of essential benefits.
Select Health
Available in Southern Nevada with coordinated HMO networks.
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Harmony Health & Life Insurance Partners LLC
Headquartered in Reno, NV
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Email: [email protected]
Service Areas
Proudly licensed and serving individuals and families across the following states: Nevada (NV), California (CA), Arizona (AZ), Oregon (OR), Washington (WA), Texas (TX), Georgia (GA), Florida (FL), Ohio (OH), and North Carolina (NC).
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