Nevada Insurance Companies for 2019
Nevada residents will not see any changes in health insurance options for 2019. This means that Hometown Health, Health Plan of Nevada, and Ambetter will be the only 3 choices for individuals and families. These three Nevada insurance companies are also the only qualified, legal options. This means that they are considered “real” insurance options by the Nevada Division of Insurance. Any other policies that are being offered to consumers have not been approved by the Division of Insurance as actual insurance.
Additional Insurance Companies Leaving
In 2017, we saw major insurance companies leave the individual market. They included United Health Care, Anthem, Aetna, and others. Although, when the Affordable Care Act passed Anthem kept some policies in place. These were called grandfathered health plans. Anthem kept some of these policies in force and consumers have been hanging on to them for as long as they could. Now, Anthem has decided that they are going to end all grandfathered plans effective 12/31/2018. This means only qualified Reno health insurance options will be left for individuals to choose from. Anyone that has a grandfathered can choose a new health insurance Nevada plan right now during open enrollment. The period to enroll is from November 1st to December 15th. All these plans start on January 1st, 2019.
Which Plan Should You Choose
Of the three options, some may be better and more competitive depending on where you live. Hometown Health has the largest doctor list and generally the most competitively priced plans for consumers living in Northern Nevada. This means Washoe and Carson as well as recently added Lyon county. In addition, Hometown is the only company that offers PPO plans in Nevada. If you live in Clark County, you may find more doctors available to you on a Health Plan of Nevada policy. If you live outside of these service areas in rural Nevada or have low income, then you can go on the health insurance marketplace and enroll with Ambetter. You can only choose an Ambetter policy on the exchange.
Please call our office if you have questions about the current Nevada insurance companies or about insurance in general. As your health insurance broker, we do not charge you any fees and are a complete no-cost resource for you to use throughout the year. We provide assistance to our clients when choosing a plan as well as while the policy is in force.