Blue Shield in Nevada When moving to a new state, one thing you should consider is how your health plan will cover you. Many California residents have been asking themselves this question when moving to Nevada. There are very specific circumstances where a plan that you purchased in California will still provide you with coverage… Read More

HSA Plans and Deductibles Many people I speak with often focus on the deductible of the health insurance policy they are considering. The deductible can often be used to determine how rich or “good” the plan is. While this can often be the case, many people can be easily confused by HSA plans. These plans… Read More

Association Health Plans in Nevada These plans became a big part of the Nevada health insurance industry in 2019. Association plans were lower costing small business health policies that allowed industry related businesses to join together. When these groups of businesses pooled together, they could operate under one large group and get lower rates from… Read More

Is Losing Coverage Due to Nonpayment a Life Event? The short answer: no. Generally, losing coverage because you did not pay your monthly premium is not considered a qualifying life event. There are quite a few different life events that allow you to purchase health insurance midyear. While these life events are designed to help… Read More

Purchasing Health Insurance on Your Own It may have been quite a while since you last shopped around for health insurance. The majority of Americans receive their coverage from their employer or have Medicare coverage. For those leaving their job, moving to a new area, or losing coverage some other way, looking for a new… Read More

Health Insurance After Open Enrollment The open enrollment period is often a stressful time for many individuals. This is compounded by the confusing health insurance industry that is in a constant state of change. With new plans, premiums, and regulations, it can be very difficult to find a plan and get enrolled before the deadline.… Read More

How Do HSA Plans Work? I often have clients ask to see plans and prices for HSA eligible health insurance plans. Usually, the idea to shop these plans comes from a friend or colleague that explains that HSA plans are the way to go. Another source is the attractive low deductibles that HSA plans have.… Read More

Avoiding ACA look-alike Plans This will be the first year Nevada residents will not be able to purchase a plan outside of open enrollment. Due to this requirement, many people that missed the deadline on December 15th may feel pressured to find something to cover medical expenses. This will, unfortunately, lead to individuals enrolling in… Read More

Open Enrollment for Individuals and Families ends on 12/15 each year. The Medicare Annual Enrollment Period ends on 12/7 each year. If you applied for coverage before the deadline, your new plan should start on 1/1. Before you close the books on your insurance plan, there are a few housekeeping items you need to review… Read More

Difference Between Private and Subsidized Insurance As a health insurance broker here, I am often the first stop for people looking for new health plans. Many people are either newly eligible for different coverage, left their employer, or moved here recently. It has often been years since many new clients have shopped around for insurance… Read More