What is Short-Term Health Insurance in Nevada?
Short-term health insurance in Nevada provides limited-duration medical coverage during temporary gaps in long-term health insurance. These plans offer protection for up to 3 months, with a 1-month renewal option, allowing a maximum of 4 months of coverage.
While not ACA-compliant, short-term plans are ideal for:
- People between jobs or waiting for employer benefits
- Recent college graduates losing parental coverage
- Individuals ineligible for Medicaid or ACA subsidies
- Those waiting for Medicare eligibility
- Anyone needing quick, low-cost health coverage
How Does Short-Term Health Insurance Work in Nevada?
Nevada short-term plans typically offer:
- Doctor and urgent care visits
- Emergency room treatment
- Inpatient and outpatient hospital care
- Surgeries and follow-up visits
- Diagnostic tests like X-rays, labs, and imaging
These plans are available year-round, with approval and next-day coverage. Premiums are generally lower than ACA-compliant plans, but coverage is limited and doesn’t include long-term or preventive care.
New Legal Information on Nevada Short-Term Health Insurance
As of September 1, 2024, Nevada follows updated federal guidelines for short-term health plans:
Initial coverage:
3 months
Renewal allowed:
1 months
Total duration:
Up to 4 months
Important notes:
- No federal penalty for lacking ACA coverage
- Pre-existing conditions and essential health benefits are excluded
- Plans can be purchased at any time of year
- State-specific rules apply—check with the Nevada Division of Insurance
Key Benefits of Nevada Short-Term Health Insurance
Short-term health insurance offers several notable benefits, making it an attractive option for those in need of temporary coverage:
Affordable Premiums:
Generally cheaper than major medical insurance, making it a cost-effective option.
Flexible Coverage Duration:
Provides coverage for up to 3 months, with a one-month renewal option.
Temporary Coverage:
Provides financial protection for unexpected medical expenses during a coverage gap.
Wide Access to Healthcare Providers:
Includes a large network of healthcare providers for doctor visits and emergency care.
Coverage for Essential Services:
Covers emergency care, doctor visits, and prescription drugs.
No Open Enrollment Period:
You can apply for coverage at any time, without waiting for an open enrollment period.
What Does Nevada Short-Term Health Insurance Cover?
Most Nevada short-term health insurance plans cover essential medical services such as office visits, urgent care, ER visits, ambulance transportation, inpatient and outpatient hospital stays, surgical procedures including anesthesia, and diagnostic services like X-rays, lab work, and imaging.
Depending on the plan and provider, some policies may also offer limited prescription drug coverage. It’s important to review each plan’s benefits summary to confirm what’s included.
What’s Not Included in Nevada Short-Term Health Insurance
Short-term plans in Nevada do not include many of the essential benefits required under ACA-compliant plans. These typically exclude coverage for pre-existing medical conditions, routine preventive care and wellness services, mental health and substance use treatment, maternity and newborn care, dental and vision services, and long-term treatment for chronic health conditions.
Since these policies are designed for temporary and unexpected medical needs, they are not suitable for individuals requiring comprehensive or ongoing care. It is essential to thoroughly review plan details before enrolling to ensure it meets your short-term coverage needs.
Who Should Consider Temporary Health Insurance in Nevada?
Nevada short-term health insurance plans can be beneficial for individuals in various situations:
Between Jobs:
If you’re in transition and waiting for employer-sponsored insurance.
Missed ACA Enrollment:
If you missed the ACA Open Enrollment Period and do not qualify for a Special Enrollment Period (SEP).Recent College Graduates:
If you’re 26 and no longer eligible for parental health insurance.
Waiting for Medicare Eligibility:
If you’re approaching age 65 and waiting for Medicare coverage.
Self-Employed Individuals:
If you need temporary coverage while exploring long-term options.
Eligibility for Nevada Short-Term Health Insurance
To qualify for a Nevada short-term health plan, applicants must:
- Be a U.S. citizen or legal resident
- Be under age 65
- Complete a health questionnaire
You may be ineligible if you:
- Weigh over 300 lbs (men) or 250 lbs (women)
- Have been treated for HIV, cancer, emphysema, or other serious conditions
- Had a recent hospitalization
Options for Affordable Health Insurance During a Coverage Gap
If you’re experiencing a coverage gap, consider the following alternatives:
| Coverage Option | Pros | Cons |
|---|---|---|
| Short-Term Health Insurance | Lower premiums, quick approval | Limited benefits, no pre-existing condition coverage |
| ACA Marketplace Plans | Comprehensive coverage, subsidies available | Expensive without subsidies, limited enrollment periods |
| Medicaid | Free or low-cost coverage | Strict income eligibility requirements |
| COBRA Coverage | Retain employer coverage | Expensive without employer contributions |
