You can still get a nationwide PPO in Nevada, even though Nevada Health Link sells none. Here is how investors who live in Nevada part of the year and elsewhere the rest choose coverage that works in both places.
Hi, I'm Sam Jaber, a Tampa-based health insurance broker licensed in 36 states. Nevada landlords and property managers can arrange their coverage with me by phone.
Picture a couple in their late fifties who own a few condos and a fourplex in Las Vegas. Nevada is their legal home, so their marketplace coverage comes from Nevada Health Link. But from June to September, when the valley bakes, they live at a lake cabin in Idaho, and they visit grandkids in Colorado every holiday. They need coverage that works in three states, and they'd rather not juggle separate doctors in each one. Nevada Health Link sells HMOs and EPOs built around Nevada providers.
Nevada Health Link lists 138 individual medical plans for 2026, every one an HMO or an EPO: 131 and 7. There's no PPO.
You can still get a nationwide PPO in Nevada, arranged privately through me. It's priced on your health and built on a national network, so the clinic near the Idaho cabin and the urgent care near the grandkids in Colorado count as in network, not just the doctors in Las Vegas.
HMOs and EPOs generally pay outside their network only in an emergency. For a household that spends a third of the year outside Nevada, that's a real gap: routine care, follow-ups and prescription visits during those months may not be covered. The more of the year you spend away, the less a Nevada-network plan does for you.
Questions worth answering honestly:
For marketplace savings, net rental income counts, along with most IRA and 401(k) withdrawals, which matters for investors drawing on retirement accounts before 65. Rentals are generally reported on Schedule E, so repairs, management, interest and depreciation reduce the figure. A sale adds its gain in the year it closes, and for tax years after 2025 any excess credit you took is repaid without a cap.
This is where the split-year couple usually does best with a nationwide PPO. The carrier reviews each person's health and approves, declines, or approves with a specific condition excluded. Healthy applicants often pay less than Nevada Health Link's full price and gain a network that works in every state they spend time in.
Next step: Tell me where you spend each part of the year, and I'll quote a nationwide PPO against the Nevada Health Link plans at your home address.
If rents and withdrawals keep your household in the credit range, a Nevada Health Link plan is usually the most economical option, especially if you're in Nevada most of the year. For the months away, know that routine care may not be covered, and plan prescriptions and checkups around your time home.
Next step: Walk me through your rental income and travel calendar, and I'll show you whether a marketplace plan can work for your year.
Anyone managing a chronic condition is safer on Nevada Health Link, whose plans can't decline you or charge more for health history; choose the network with their doctors. And in a year when paper income drops very low, Nevada's expanded Medicaid covers adults up to 138% of the federal poverty level.
Next step: Share the household's doctors and the year's numbers, and we'll pick the Nevada option that fits.
Straight answers, no sales pitch.
Generally only for emergencies. Nevada Health Link plans are HMOs and EPOs, which usually don't cover routine care outside their network.
No. All 138 individual medical plans are HMOs or EPOs. A healthy investor can buy a nationwide PPO privately through me.
Most IRA and 401(k) withdrawals do, along with net rental income.
That's a question for your preparer. The self-employed deduction looks at business profit, while rental activity usually lands on Schedule E, so the answer depends on how you hold the properties.
Tell me where your Nevada home is, where you spend the rest of the year, what your rentals net and who needs coverage. I'll show you which plan works in both places.
The guide for every state, and other work I help with