Nevada Health Insurance

While newcomers to Nevada may want to risk it all at the tables, it’s a bad idea to risk it all by going without health insurance. With rising costs and a complicated industry, it’s no wonder many residents choose to go without it, but for the sake of good health and protection from catastrophe, it pays to have a good policy. The Simple Dollar has made it easy to understand health insurance in Nevada, and has provided a solid set of information to guide readers on their way.

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Stats in Your State

The statistics and data below illustrate how life insurance premiums in Nevada compare with other states and the U.S. in general. You’ll also find graphs of pertinent market data for different demographics to convey the state of the industry as a whole.

Chip Medicaid

From 2009 to 2010, the number of children enrolled in government-administered health insurance plans increased from roughly 200,000 to over 212,000. The majority of these children of low-income families are enrolled in Medicaid, with roughly 31,000 enrolled in the state’s CHIP health plan.

Individual Health Insurance Premiums

Nevada’s residents enjoy some of the lowest health insurance premiums for single-payer plans than most states in the country, with monthly premiums for employer-based plans in 2011 sitting at roughly $1,032, compared with $1,090 of the national average. The large number of service industry jobs, which present relatively low health-risks, contribute to low insurance costs.

Family Health Insurance Premiums

Despite the low cost for individual plans, Nevada’s family health insurance plans cost slightly more than the U.S. average, at roughly $4,200 per month for employer-based family health plans. While above the national average, Nevada is still firmly below its neighboring states in the Southwest.

SAHIE Health Insurance Uninsured

Between 2005 and 2010, the number of uninsured Nevada residents has increased from roughly 450,000 to nearly 590,000. The economic downturn has played a role in this turn of events, with many in Nevada’s service industries feeling the effects of a slow economy.

Rules in Your State

Below you’ll find several pertinent rules and regulations that apply to health insurance in Nevada. Use the links to learn more about insurance regulations in your state, or contact the Insurance Division to ask for assistance in understanding the regulations.

Insurance General Provisions: Unfair Acts Prohibited: The list of unfair insurance acts and practices applies to insurance claims in general, and covers the insurance industry as a whole. If you feel your rights have been compromised, contact an attorney for assistance. See: Unfair Claims Settlement Practices.

Nevada Revised Statutes: Individual Health Insurance: This section of the Nevada Revised Statutes covers health insurance plans, and the link below outlines specific unfair trade practices in this part of the industry. See: Unfair Trade Practices.

Nevada Revised Statutes: Group and Blanket Health Insurance: Group health plans have their own set of regulations and rules, and are still governed by the general provisions listed at the start of this section.

Nevada Revised Statutes: Health Insurance for Small Employers: Just as with individual plans, insurance for small businesses has its own set of regulations and unfair trade practices for this particular type of policy. See: Unfair Trade Practices.

Nevada Rules: Alcohol & Your Health Insurance

Nevada law ensures that insurers must honor claims regardless of whether the injury arose from alcohol use or intoxication, however it does not address whether health plans must cover alcohol-related disorders and treatment.

Losses Due to Intoxication
Health Insurance Parity for Alcohol-Related Treatment
Nevada law specifically prohibits insurers from denying benefits for losses arising from alcohol or intoxication.
Nevada law does not address whether insurers must provide the same level of treatment for alcohol-related disorders as they provide for other health and medical conditions.

Representatives & Resources in Your State

Use the links below to get in touch with your local government to learn more about how health insurance works in Nevada, to file a complaint, or to seek help with consumer advocacy. The Division of Insurance provides a good number of guidance for consumers to learn more about the industry and regulations governing it.

Nevada Division of Insurance (DOI)
Nevada Division of Insurance in Carson City:
1818 E. College Pkwy., Suite 103
Carson City, NV 89706
Get Directions
(775) 687-0700
Nevada Division of Insurance in Las Vegas:
2501 East Sahara Ave., Suite 302
Las Vegas, NV 89104
Get Directions
(702) 486-4009
Contact Information for DOI
Consumer Complaints
Nevada Health Insurance Information
The Division of Insurance has useful guides and pamphlets to help consumers learn about health insurance options and different types of policies, as well as how to go about shopping for health insurance in Nevada.

Nevada Health Care Reform Information
Significant regulation and law changes are slated for 2014 and 2015 across the healthcare industry, this resource explains how those changes will affect Nevada residents.

Nevada Check Up: Nevada Children’s Health Insurance Program (CHIP)
Division of Health Care Financing and Policy
Nevada Check Up & Nevada Check Up Plus
1000 E. William Street, Suite 200
Carson City, Nevada 89701
Get Directions
(775) 684-3777

Nevada Department of Health and Human Services
4126 Technology Way, Suite 100
Carson City, Nevada 89706-2009
Get Directions
(775) 684-4000
The Department of Health and Human Services ensures the well being of a number of the state’s at-risk and needy demographics. Seniors, disabled persons, and children of low-income families are just some of the people who depend on DHHS for assistance in emergency situations.

Nevada Division of Welfare and Supportive Services
Here you’ll find information on support for low-income families, disabled persons, and others who need general assistance in day-to-day life.
Contact Information