HEALTH INSURANCE

ACRC has several in-house health insurance navigators that can help you get the answers you need when it comes to health insurance options and enrollment!

What is the Affordable Care Act (ACA)?

The Affordable Care Act (ACA), also known as Obamacare, is a comprehensive healthcare reform law enacted in March 2010. The ACA has three primary goals:

Reduce the number of uninsured Americans by expanding Medicaid eligibility, providing subsidies for private insurance, and creating health insurance marketplaces (exchanges) where individuals can shop for coverage
Improve the Quality of Healthcare: The law introduced measures to improve healthcare quality and patient outcomes, including initiatives to promote preventive care and to improve healthcare coordination
Control Healthcare Costs: The ACA implemented several provisions designed to slow the growth of healthcare costs, including penalties for hospitals with high readmission rates and incentives for reducing medical errors.

What is

Nevada Health Link is the state-based health insurance exchange for Nevada. It was established under the Affordable Care Act (ACA) to provide a marketplace where individuals, families, and small businesses can compare and purchase health insurance plans. Nevada Health Link is designed to help residents find affordable coverage and access financial assistance if they qualify.

Enrollment Requirements

ACRC helps individuals enroll onto the State Marketplace (Nevada Health Link). There are 2 enrollment periods in which you can enroll into a Marketplace plan.

Open Enrollment Period (OEP): From November 1st to January 15th, anyone can enroll in a health insurance plan or make changes to their current plan.

Special Enrollment Period (SEP): Outside of the Open Enrollment Period, individuals may be eligible to enroll into the Marketplace if they are experiencing a "qualifying life event." This includes (but is not limited to):

Moving to a new zip code or county
Losing Health Insurance Coverage
Divorce, Marriage, or Having a Baby
Gaining lawful presence
And more!

In order to enroll in a marketplace plan you cannot:

Be enrolled in Medicaid
Be enrolled in Medicare (Exceptions may apply)
Have employer-based coverage, unless it is deemed unaffordable