You can still get a nationwide PPO in Nevada, even though the state's own marketplace sells none. Here's how builders who relocate to Las Vegas or Reno get their family's coverage sorted in the move.
Hi, I'm Sam Jaber. I broker health insurance and nothing else, from Tampa, and Nevada is among the states where I hold a license, so a phone call covers it.
A lot of contractors working in Nevada didn't start here. They built for years in California, Arizona or Utah, then moved the business to Henderson, Summerlin, North Las Vegas or Reno for the work, the growth or the cost of living. When you relocate a company, the health plan usually can't come along: a state's individual plans are sold for that state's residents, and Nevada runs its own marketplace. This page walks through resetting your coverage as part of the move.
If you had a PPO back home, here's the reassurance: you can still get a nationwide PPO in Nevada, and I can arrange it.
Don't expect it from Nevada Health Link. The state's exchange lists 138 individual medical plans for 2026 from 9 insurers, 131 HMOs and 7 EPOs, with no PPO at all. Those two types typically pay nothing for a non-emergency visit outside their network. A PPO still pays for those visits, with a bigger share on you, and skips referrals. Private PPO plans that underwrite on health come with networks spanning the country, which is handy for a family that still sees doctors back in the state you left.
Relocating to a new ZIP code or county can qualify you for a special enrollment period, usually 60 days, so you don't have to wait for the fall to buy a Nevada plan. Line it up with your moving date so there's no stretch without coverage.
Your new marketplace is Nevada Health Link, not HealthCare.gov. The federal premium tax credit works there the same way, based on household profit for the year after materials, subs, trucks, equipment, permits and insurance. A note for full-price buyers: KFF reports Nevada's average benchmark premium for a 40-year-old rose 20.0% from 2025 to 2026.
This is the family this page is built around. Here's the order I'd do things in:
Next step: Call me a few weeks before the moving truck shows up and we'll have Nevada coverage ready for the day you arrive.
A chronic condition or a must-have prescription in the family makes Nevada Health Link the safer landing spot, because no marketplace plan can refuse you or price you on health. The real work is finding a Nevada network that includes new specialists to replace the ones you're leaving, and confirming your medications are covered.
Next step: Send me your current doctors and prescriptions and I'll help you find Nevada plans and specialists that keep care uninterrupted.
Starting over in a new market can mean a thin year. Nevada adopted the Medicaid expansion, so a household with income up to 138% of the federal poverty level can qualify while the business finds its footing. Separately, workers' comp, which your new Nevada company may need, only covers injuries on the job.
Next step: Phone me if the first year is running light and we'll sort out whether Medicaid or a marketplace plan fits.
Straight answers, no sales pitch.
Usually you'll need a Nevada plan. Moving to a new ZIP code or county can qualify you for a special enrollment period, usually 60 days, to choose one.
Not for medical coverage; the 2026 plans are HMOs and EPOs. A healthy builder can get a nationwide PPO outside the marketplace through me.
No. Nevada runs its own marketplace, Nevada Health Link.
Possibly. Nevada expanded Medicaid to adults with household income up to 138% of the federal poverty level.
Where you're moving from, your new Nevada county, your moving date and who's coming with you are the essentials. I'll time the switch, price each choice, and tell you if any of your current coverage is worth keeping.
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