Your Guide to Getting 2019 Health Insurance

Individuals and Families

Open Enrollment for 2019 health insurance starts on November 1^st and ends on December 15^th. When you apply for a plan during this time, your coverage will start on January 1^st. In Northern Nevada, there are three total insurance companies selling 2019 Reno health insurance plans to individuals and families. The three insurance companies are Hometown Health, Health Plan of Nevada, and Silver Summit. All three insurance companies offer HMO plans. Hometown Health is the only insurance company to offer PPO plans in 2019. Hometown will also be offering association group health plans. BANN, the Builders health insurance plan may be a great option for small groups.

There are multiple ways to get 2019 health insurance. You can enroll on-exchange and apply for subsidies. Applicants who do not qualify or want a subsidy can get a plan directly with the insurance company. This enrollment method is called off-exchange. Regardless, using a broker on-exchange or off-exchange at Health Benefits Associates does not cost you anything extra. Other brokers may charge extra fees for 2019 health insurance plans.

Medicare

The Medicare Annual Enrollment Period starts on October 15^th and ends on December 7^th. During this time, people can get Part C Medicare Advantage Reno Plans and Part D drug plans starting January 1^st. Medicare Advantage Plans and Part D drugs plans never ask health questions.

In Nevada, there is no Annual Enrollment Period for Medicare Supplement Reno Plans. People can apply for Medigap plans at any time during the year. Depending on eligibility, Medigap plans may ask health questions on the application.

Health Benefits Associates and its brokers do not charge any extra fees to assist consumers with Medicare plans.

Employer Plans

Small employers can apply for 2019 health insurance plans at any time during the year. If you are a small employer and do not qualify based on participation, you can get 2019 health insurance during the Annual Enrollment Period. The Annual Enrollment Period starts on November 15^th and ends on December 15^th for coverage starting January 1^st.

There are new Association Plans available in Northern NV. These new Association Plans have different rules and rates compared to traditional small group plans. Since our brokers do not charge any fees assisting employers with coverage, we recommend you consult one of our licensed professionals. A health insurance broker will find the best possible medical, dental, vision, and life insurance plans for you and your employees.