Nevada Health Care

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In 2014, the LAW requires everyone to have Health Insurance or pay a penalty.

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For the rest of us, Insurance companies pay Obamacare 3.8%

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In Nevada, Obamacare to Increase Individual Insurance Premiums by 11-30%


With just over six months to go until the Affordable Care Act is online, Congress was supposed to be done arguing over repeals and instead focus on making sure the system rolls out on schedule.

But the Internal Revenue Service’s targeting of conservative groups has opened a rift in time, pitching many members of Congress back to standoff stances from 2010 and pitting members of a Nevada delegation that had supposedly buried the hatchet against each other once again.

On one side is Sen. Dean Heller, who wrote the bill expressing the Republicans’ fresh resistance to turning over health care policing to an IRS plagued with partisan scandal. On the other side is Sen. Harry Reid, whose job is to make sure nothing stymies progress on President Barack Obama’s plans.

But this isn’t a simple instance of arm-wrestling between Reid and Heller — of which there have been many since their co-occupancy of the Senate began. (Judicial nominees, anyone? With a side of online poker perhaps?)

The IRS scandal comes at a particularly vulnerable moment for the health care law. As the clock ticks toward Jan. 1, even top Democrats are publicly wringing their hands, worrying that Obamacare won’t flourish unless absolutely everything goes according to plan.

“Max said, ‘Unless we implement this properly, it’s going to be a train wreck,’ and I agree with him,” Reid said on “The Rusty Humphries Show” this month. (Max is Max Baucus, the Senate Finance committee chairman who, with Reid, was the force behind drafting and passing the health care law.)

Stripping the IRS of $440 million — as Heller wants to do “until it is clearer where this funding will go” — is not exactly a minor hiccup in Reid’s plans: That money funds the IRS agents who will handle doling out health care tax credits to eligible individuals and small businesses, and imposing tax penalties on those who don’t purchase health insurance.

Reid is pretty much guaranteed to do everything in his power to keep Heller’s bill from being considered by, much less passed by, the Senate.

Nonetheless, a renewed fight is also guaranteed as the IRS scandal evolves.

Last week, reports emerged that the IRS official who had run the office that improperly singled out conservative groups now runs the IRS’ health care office — a revelation that only reinforces Heller’s call to inspect the IRS-ACA link.

Heller, who had said late last year that he was done trying to delay the ACA from moving forward, is now back in the game.

Over in the House, meanwhile, Republican leaders held a 37th vote to repeal the ACA on Thursday, during which they managed to bring Republicans who had begun to tire of such political posturing — such as Nevada’s Joe Heck — back to the party fold.

In March, Heck was one of 10 House Republicans to vote against Paul Ryan’s budget because it didn’t replace the parts of the ACA it sought to repeal; last Thursday, not a single Republican who voted defected from the party line.

It might not matter that the latest scandal is losing the White House a cadre of reasonable Republicans if congressional Democrats are able to stanch the political bleeding and keep Obamacare intact.

But if there were two things that poisoned the well of congressional politics for the past few years, they were bickering over health care and over how to correct the budget deficit. One of those was supposed to be resolved, but no longer — and Nevada’s own are at the epicenter of the unraveling.

Group Health Insurance in Nevada
  • Qualified applicants may not be denied grouped coverage or charged more for group coverage based on a health problem.
  • Employers and HMOs can require a waiting period before offering group coverage.
  • Life changes related to family and job loss provide for more opportunities for group health insurance.
  • When assessing a pre-existing condition, providers may review medical history for the six months prior to group coverage.
  • If a pre-existing condition is evident, providers may require an exclusion period for the condition for up to 12 months.
  • If coverage has been maintained without a lapse for at least 63 days, creditable coverage is available.

Small Business Health Insurance in Nevada

  • Small businesses applying for small group health insurance may not be denied based on health factors within the employee group.
  • Coverage may not be cancelled due to illness in the employee group.
  • Policy costs vary according to limit amounts and group size.

Self-Employed Health Insurance in Nevada

  • The self-employed may not purchase small group insurance.
  • Contact the Nevada Division of Insurance before acquiring insurance through affiliation through a business or professional association.

Nevada Division of Insurance
788 Fairview Drive, Suite 300 
Carson City, NV 89701
(775) 687-4270

Individual Health Insurance in Nevada

  • Private insurers may deny coverage to those with health problems.
  • Those eligible for HIPAA must be offered one of two basic, standardized policies.
  • Those not HIPAA eligible but with a pre-existing condition may have an exclusion rider attached to their policy or be required to submit to almost unlimited exclusion periods.
  • Providers have leeway with the time limits and terms of pre-existing conditions.
  • Pregnancy may be classified as a pre-existing condition.
  • Individual policies may not be cancelled because of illness, but there are few limits on the cost of premiums.

Nevada Health Care Programs

Medicaid and Nevada Check Up assist low income residents with health care.

Location Status of State Exchange Decision Medicaid Expansion Decision Executive Activity
Nevada Declared State-based Exchange Supports