Enroll With HPN

If you choose an Exchange plan, you may be able to get some help with your monthly cost. This is called an Advanced Premium Tax Credit (APTC) subsidy.

In addition to the monthly premium, people with insurance usually have to pay a copay or coinsurance when they go to the doctor or have a test. This cost can also range from being very small, like $5, to being higher. However, through an Exchange plan, you may also qualify for a different subsidy, called Cost Share Reduction or CSR.

Most insurance plans have a monthly cost. This monthly cost, or premium, can be very small, or higher depending on the insurance plan you pick. If you have dependents age 20 or under, only the oldest three will have a premium.

Silver plans qualify for both tax credits and cost sharing subsidies. They also offer the best value if you qualify for a subsidy and want to balance your monthly premium with your out-of-pocket costs.

2024 estimated amounts. Eligibility is determined by Neavada Health Link. Must not be eligible for Medicaid or other health insurance.

• Health Plan of Nevada has the largest provider network in Nevada.
• Many providers are only in the HPN provider network.
• Health Plan of Nevada has been taking care of Nevadans for 40+ years and is located in Las Vegas.
• HPN Individual On Exchange Select Plans offer HPN’s lowest monthly premium with a select network of hospitals. The Select Network does not include Dignity facilities and Dignity micro hospitals, urgent cares and physician groups.
• Health Plan of Nevada offers more ways to get urgent care including 24/7 urgent care, urgent care that comes to you and some specialty urgent care centers.* 
• Health Plan of Nevada offers $0 or LOW-COST benefits and services.
• Mental health benefits with every plan (virtual and in-person visits to all members)
• Digital health tools, including One Pass Select^TM, a subscription-based fitness and well-being program.
• $0 cost share on many maintenance medications for chronic conditions with our Vital Medications Program.

*Restrictions apply. Not available in all areas.

1. A health plan through your work
2. An individual or family plan
3. Medicare, if you are 65 or older

Experiencing a qualifying life event means you can enroll in a new health plan right away as part of a special enrollment period. If you miss your special enrollment period, you’ll have to wait until the next annual open enrollment period to sign up for coverage. Employers set their own open enrollment timing, while Nevada Health Link enrollment typically starts Nov. 1, for a start date of Jan. 1.

Once enrolled in a new health plan due to a special enrollment period, your coverage typically starts on the first day of the month following eligibility. The special enrollment time period is limited, so if you are no longer eligible for Medicaid, be sure to take action. If you need to sign up for another health plan, the special enrollment period is typically 30 or 60 days.

Easier on the wallet, HMO plans are designed to save you money on out-of-pocket costs.

HMO members are required to choose a primary care provider (PCP) and stay within a network of providers, urgent cares, and hospitals to receive coverage under the plan. Females 14 years and older may select an OB/GYN in addition to a PCP.

To have a specialist visit covered, you must see your PCP for an initial exam. Your PCP is the leader of your care team and will give you a referral to a specialist for a more thorough diagnosis, if needed.

HPN has the largest provider network in Nevada and many doctors are only in our network.

For a complete list of providers, visit HealthPlanofNevada.com. If you need help scheduling an appointment or finding the right provider to fit your specific needs, our Member Services team can help.

Choose an HPN plan. Find out if you qualify for financial assistance with an HPN Exchange plan or shop our Off Exchange plans.

We offer Gold, Silver and Bronze HMO plans. The choice is up to you.

This table is a snapshot of our most popular covered benefits.

*A deductible is a specific amount you must pay before your insurance coverage kicks in.

X = Member is responsible for copay before the deductible* is met on most plans.