How to Enroll in Nevada Health Link for 2027

The dates for 2027

In Nevada, the health insurance Marketplace is called Nevada Health Link (nevadahealthlink.com). Nevada has its own state-based Marketplace: HealthCare.gov is not used. For 2027 coverage, the Open Enrollment period is as follows, according to the Nevada Health Link Policy Manual (September 2026):

• Starts: November 1, 2026.
• If you enroll between November 1 and December 31: your coverage starts January 1, 2027.
• If you enroll between January 1 and 15, 2027: your coverage starts February 1.
• Ends: January 15, 2027.

Outside these dates, you can only enroll if you have a life event that gives you a Special Enrollment Period, such as losing your job-based insurance.

What changed for 2027

Before you enroll, it is worth knowing that this year there are changes that affect many people:

• The subsidy still has a cap: it came back in 2026, and for 2027 you need a projected income between 100% and 400% of the Federal Poverty Level. The temporary expansion from previous years that allowed people to receive help above 400% no longer applies.
• If you receive too much subsidy, you pay it all back: starting with tax year 2026, if the subsidy you received in advance was larger than the one you were entitled to, you have to pay back the entire excess when you file your taxes, regardless of your income. That is why it is so important to estimate your income accurately.
• Change based on immigration status: starting January 1, 2027, only U.S. citizens and nationals, permanent residents (green card), Cuban and Haitian entrants, and Compact of Free Association (COFA) migrants receive the subsidy. Refugees, asylees, certain people with parole, victims of trafficking and others can enroll, but paying the full price. If you are a citizen of Cuba or Haiti, do not have a final order of deportation, and entered with parole (without having since obtained another status), are in deportation proceedings, or have a pending asylum application, you count as a “Cuban or Haitian entrant” and remain eligible for the subsidy if you meet the other requirements. We explain this in our guide on 2027 subsidies for immigrants.
• Very low incomes: if you earn less than 138% of the Federal Poverty Level, in Nevada you normally qualify for Medicaid. And lawfully present people who earn less than 100% and do not qualify for Medicaid because of their status no longer receive a subsidy as of 2026.

Your specific case depends on your document and your income: review it with a certified agent before choosing a plan.

What you need to have on hand

Having this ready before you start saves you time and keeps you from being asked for documents later:

• ID and Social Security number (if they have one) for each person requesting insurance, or their immigration document with its number.
• Your estimated income for 2027 and your household’s: W-2 and 1099 forms, recent pay stubs or, if you have a business, an estimate of what you expect to earn.
• The information for everyone on your tax return, even if they are not requesting insurance. The subsidy is calculated by tax household.
• If your job, or your spouse’s or another household member’s, offers insurance, the information about that plan and what it costs: if it is considered affordable, that person normally does not receive a subsidy.
• Your Nevada Health Link username, if you already have an account.

Step by step

• Step 1: go to nevadahealthlink.com or call 1-800-547-2927 (TTY 711) to create your account or log in to the one you already have. A certified agent can also do this with you.
• Step 2: fill out the application. If you want help paying, check that you are requesting financial assistance and give Nevada Health Link permission to verify your income with the IRS (you can give it for 1 to 5 years). This is a requirement to receive the help: without it, at automatic renewal you are moved to a plan without a subsidy.
• Step 3: review the result: whether you qualify for a subsidy, for Medicaid, or for Nevada Check Up (the program for children).
• Step 4: compare plans. Do not look only at the premium: add up the deductible and copays, and check that your doctors are in the network.
• Step 5: choose your plan and pay the first premium to the insurance company. Your enrollment is not complete until that first payment is made.
• Step 6: if Nevada Health Link asks you for documents because some information does not match, meet the deadline stated in the notice. If they ask for them when you apply, you normally have 90 days; if the notice arrives mid-year because of a periodic review (for example, because it shows that you also have Medicaid or Medicare), you only have 30 days. If you do not send them, you could lose financial assistance or coverage.

How to compare plans

Once you know whether you qualify for a subsidy, it is time to choose. Compare at least these five things in each plan:

• The monthly premium after the subsidy: it is what you pay every month, whether or not you use the insurance.
• The deductible and the out-of-pocket maximum: what you would pay before the plan starts covering, and the most you would pay in the year if you get sick.
• The network: check that your doctors, your hospital and your pharmacy are in the plan’s network.
• Your medications: look up each one on the plan’s drug list.
• The level: in Nevada, plans are mainly Bronze, Silver and Gold. If you qualify for a subsidy and your income is between 100% and 250% of the poverty level, a Silver plan also gives you cost-sharing reductions, which lower your deductible and your copays (Nevada Health Link Manual).

A plan that is cheap each month can end up being expensive if you use it a lot. If you rarely go to the doctor, a low premium may suit you; if you have a chronic condition, a low deductible is usually the better choice.

If you already have a plan: review your renewal

If you already have a Nevada Health Link plan in 2026, you are normally renewed automatically for 2027. But there is an important detail: according to the Nevada Health Link manual, the renewal happens even if you lose the subsidy. In that case, you are moved to an equivalent plan without help, that is, at full price.

With the 2027 changes, this is exactly what will happen to some people. That is why we recommend that you:

• Read the renewal notice you receive and check the new premium before January 1.
• Update your estimated income for 2027, even if you have not changed jobs.
• Compare: plans and prices change every year, and the one you have may not be the best for 2027.

Free help to enroll

You do not have to do it alone. Nevada Health Link has a network of enrollment professionals who help you at no cost to you: certified insurance agents and brokers, and certified enrollment counselors.

Nevada Health Link states that help from its certified professionals is free for you. The agent is paid a commission by the insurance company, not by you or by Nevada Health Link. An agent can review your status, estimate your income with you, compare plans, and help you if you are asked for documents.

Sara Salazar is an independent insurance agent, licensed in Nevada, serving Las Vegas and Henderson. This site is not owned by Nevada Health Link or by any government agency.

This content is educational and is not personalized insurance or tax advice. Eligibility rules may change; your case depends on your situation.

Common Mistakes to Avoid

• Letting your plan renew on its own without reading the notice: if you lost the subsidy, you may receive the full premium in January.
• Estimating your income lower to receive more subsidy: since 2026, the entire excess is paid back when you file your taxes.
• Not sending the documents Nevada Health Link asks for within the deadline.
• Forgetting to pay the first premium to the insurance company: without that payment, the enrollment is not complete.

Quick Checklist

• Write down the dates: from November 1, 2026 to January 15, 2027, and December 31 if you want coverage starting January 1.
• Gather your ID, immigration document, 2027 income, and the information for your entire tax household.
• Review your status and your income with a certified agent before choosing a plan.