• Aetna
• Anthem Blue Cross and Blue Shield
• Assurant

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• Blue Cross
• GoldenRule
• Health Plan
• HumanaOne

• Supplemental Medigap Insurance
• Medicare Advantage Insurance

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• SecureHorizons by UnitedHealthcare
• Unicare
• Universal American
• WellCare

More Questions About Individual Nevada Health Insurance

What Can I Be Charged For Individual Health Coverage?

In Nevada, there are limits on how much individual health insurance premiums can vary due to health status, age, gender, and other factors. Even within these limits, however, if you have a serious health condition, your premium may be significantly higher than the rate charged for other individuals. In addition, when you renew your individual coverage, your premiums can increase substantially as you age.

If you have questions about your premiums, contact the Nevada Division of Insurance.

Can My Individual Health Insurance Policy Be Cancelled?

• Your coverage cannot be canceled because you get sick. This is called guaranteed renewability. You have this protection provided that you pay the premiums, do not defraud the company, and, in the case of managed care plans, continue to live in the plan service area. However, an insurance company can refuse to renew coverage if it is ceasing to offer all individual health insurance policies in Nevada.
• If you are covered under a basic or standard individual policy and your insurance company discontinues this policy, all other individual health insurance companies must offer you coverage under their basic and standard policies. You cannot be turned down and no pre-existing condition exclusion can be imposed if you apply within 63 days.
• Call the Nevada Division of Insurance if you have questions about an insurance company or the renewability of individual health policies.
• Some insurance companies sell short-term health insurance policies. Short-term policies are not guaranteed renewable. They will only cover you for a limited time, such as six months. If you want to renew coverage under a short-term policy after it expires you will have to reapply and there is no guarantee that coverage will be re-issued at all or at the same price.