The Silver State Health Insurance Exchange, Nevada’s state agency that helps individuals secure affordable health coverage through the online State Based Exchange (SBE) platform, Nevada Health Link, is reminding uninsured Nevadans they may qualify for a Special Enrollment Period if they have a qualifying life event.
This will allow them to enroll anytime during the year outside of the normal Open Enrollment window.
Consumers who recently lost their job or had a change in income may also be eligible to receive more subsidy assistance to help pay for their health plans, and therefore, should contact Nevada Health Link rather than canceling their health insurance plans.
Examples of QLEs include loss of a job resulting in the loss of employer-based coverage, changes in income and changes in family size through marriage, divorce, or the birth or adoption of a child, change in residence and turning 26 years of age.
While consumers may also consider enrolling in COBRA through their former employer, they should know they also have the option to enroll through Nevada Health Link, which offers more diversity in plan levels and costs and is the only place to obtain subsidies those who qualify – a benefit exclusive to Nevada Health Link. Other qualifying events and circumstances include moving; gaining U.S. citizenship; denial from Medicaid; spousal abandonment; and more.
If you experience a QLE, you usually have up to 60 days following the life event to enroll in a plan. Certain restrictions apply for QLEs and circumstances vary between individuals and families.
All plans sold through the Exchange cover COVID-19 diagnosis and treatment and are considered Qualified Health Plans (QHPs) that also cover the ten essential health benefits mandated by the Affordable Care Act, including pre-existing conditions, maternity and newborn care, mental health, preventive care, and pediatric dental care.