You can still get a nationwide PPO in Nevada, and the calendar is on your side: enrollment lands in the months your phone finally goes quiet. Here's how Las Vegas and Reno AC owners are using that window.
Hi, I'm Sam Jaber. My work is health insurance only, I run it from Tampa, I'm licensed in Nevada, and every bit of it happens by phone.
In the Las Vegas valley, air conditioning is life safety for months on end, and an AC owner's summer is a blur of no-cool calls, compressor swaps and attic work in brutal heat. Reno's summers are shorter but still keep a crew busy. Then fall arrives and the phone finally slows down. That slow stretch happens to line up with the time Nevadans pick their health coverage for the next year, which is good news, if you use it. It's easy to let the window slide by and stay on whatever you had without comparing, then be too busy all summer to revisit it.
Through me, you can still get a nationwide PPO in Nevada, and the quiet months are a fine time to set it up.
Nevada Health Link, the state's own exchange, doesn't offer one. Its 2026 individual medical plans total 138, from 9 insurers, and break down into 131 HMOs and 7 EPOs. HMOs and EPOs generally won't pay for out-of-network care unless it's an emergency. A PPO covers outside doctors too, at a higher cost, without referrals. Medically underwritten private plans provide national PPO networks, with premiums based on your health.
Nevada Health Link lists enrollment for 2027 coverage from November 1 to January 15. For a Nevada AC company, those are some of the calmest weeks of the year. Unlike trades whose rush lands right on top of enrollment, you can actually sit down, compare plans and think it through.
The number you'll be asked for is next year's net self-employment income, which for an AC company means revenue minus trucks, equipment and parts, refrigerant, the state license, your liability policy and payroll. It's a forecast you revise whenever the business surprises you, and your federal premium tax credit is calculated from it.
A good fall planning session with me covers four things:
Next step: Book a call with me in November, before the holidays, and we'll make the whole decision in one sitting.
If anyone in the house lives with a long-term illness or a medication that can't lapse, plan to stay on Nevada Health Link, because its plans can't refuse anyone or charge more for health. The slow season is the time to check which plan's network includes your specialists and which drug list covers your medications.
Next step: Send me your family's doctors and prescriptions this fall and I'll show you which Nevada Health Link plans keep them.
A cool summer or a new company can leave household income thin. Nevada adopted the Medicaid expansion, so adults with household income up to 138% of the federal poverty level can qualify. And workers' comp, if you carry it for your techs, covers job injuries, not illness.
Next step: Call me if the year has been light and we'll see whether Medicaid or a marketplace plan fits.
Straight answers, no sales pitch.
Nevada Health Link lists enrollment for 2027 coverage from November 1 to January 15.
Start from last year's full-year profit, adjust for known changes, and update the estimate during the summer if the heat makes your year much bigger.
Nevada Health Link sells only HMOs and EPOs for medical coverage in 2026. Owners in good health can buy a nationwide PPO privately, and I'm glad to quote one.
No. Nevada runs its own marketplace, Nevada Health Link.
Pick a slow day this fall, then send me your county, who's on your plan and last year's profit. We'll review every option with prices and make the decision before the heat comes back.
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