Private Health Plans for the Self-Employed in Nevada

I am an independent, licensed health insurance broker, and I am licensed in Nevada. If you are self-employed, a 1099 contractor, or a freelancer, this page covers the options that sit outside the Marketplace — what is actually available in Nevada, what the trade-offs are, and when a private plan is the wrong answer. There is no fee for my help. The insurance company pays the broker, not you.

Nevada caps short-term coverage at 185 days — far shorter than the 36 months some states allow.

Nevada at a glance for the self-employed

Nevada runs its own exchange, Nevada Health Link. Nine carriers sold plans for 2026, and the same nine are approved for 2027, including Anthem's HMO Nevada, Health Plan of Nevada, SelectHealth, SilverSummit and Molina. About 104,000 people picked a plan for 2026.

• Approved 2027 rates. Rates are up about 19% on average, from about 3% at Hometown Health to about 27% at Imperial.
• Battle Born State Plans. Nevada's public option debuted for 2026, with a market stabilization program that includes reinsurance to help hold down prices.
• Short-term is short here. Nevada caps short-term coverage at 185 days, so medically underwritten private plans are usually the better long-term comparison.
• Fewer people get big help. 82% of 2026 enrollees got a subsidy, averaging about $516 a month. Above the 400% line, you pay full price.

The 400% line matters more here than most people expect. For 2027 the credit stops above $63,840 for one person and $132,000 for a family of four, and there is no phase-out. See the full 2027 income limits.

Your private options in Nevada

• Short-term plans. Nevada caps short-term coverage at 185 days, which makes it a stopgap between jobs rather than a plan to live on.
• Battle Born State Plans. Nevada's public option plans, backed by a reinsurance program, are worth pricing next to private options.
• Medically underwritten private plans. Health questions up front, often lower premiums for healthy applicants, broad PPO networks, and applications accepted any month.
• Supplemental coverage. Accident, critical-illness and hospital plans can soften a high deductible. How it works.

When private is the right call in Nevada, and when it is not

With nine carriers on Nevada Health Link for 2027 and approved 2027 increases averaging about 19%, a healthy Nevada freelancer or business owner over the subsidy line often saves real money with a private plan.

Stay with Nevada Health Link if you have an ongoing condition, are pregnant or planning to be, take expensive prescriptions, or qualify for a meaningful tax credit. If that is you, I will say so.

The tax piece

Most self-employed people can deduct their health insurance premiums, which also lowers the income that counts toward a subsidy. How it works for 1099 workers.

Nevada questions I hear a lot

Do Nevadans use HealthCare.gov?

No. Nevada runs its own exchange, Nevada Health Link.

What are Battle Born State Plans?

Nevada's public option plans, which debuted for 2026 alongside a market stabilization program that includes reinsurance.

How much are Nevada premiums going up for 2027?

Approved rates are up about 19% on average, from about 3% to about 27% depending on the carrier.

What if I earn more than 400% of the poverty level in Nevada?

You pay the full Nevada Health Link price. For healthy applicants a private medically underwritten plan is often cheaper. I compare both at no cost.

Posey Health Solutions · National Producer Number 20609967 · licensed in Nevada and 30 other states. This page is general information, not advice about a specific plan, and it is not tax advice. Plan availability, carrier participation, and duration limits vary by county, carrier, and plan year, and the rules can change.