You can still get a nationwide PPO in Nevada, even though Nevada Health Link sells none. Here is how owners should think about the new Battle Born State Plans when choosing coverage for their families.
Hi, I'm Sam Jaber. Nevada business owners, whether you run a landscaping company in North Las Vegas, a café in Reno or a one-person consultancy in Henderson, can sort out family coverage with me over the phone; I'm a broker in Tampa licensed in 36 states.
Imagine a couple in Sparks who own a small sign shop. Shopping Nevada Health Link for their family this year, they keep seeing a new label: Battle Born State Plan. They've heard it's Nevada's own public-option-style program and wonder whether it's the smart pick. This page is about how an owner should weigh those plans, and when a different route makes more sense.
Nevada Health Link has 138 individual medical plans for 2026: 131 HMOs and 7 EPOs, with no PPO. The Battle Born State Plans are part of that count, so they don't add a PPO option either.
You can still get a nationwide PPO in Nevada outside the exchange, and I'll handle the setup for everyone on the plan. Underwriting looks at each family member's health to set the price, and the provider network is national, useful for travel, out-of-state college or a specialist in California.
Nevada launched the Battle Born State Plans for the 2026 plan year: a state-designed set of standardized plans sold through Nevada Health Link alongside the other plans there. In the federal plan file, 29 of the 138 individual medical plans carry the Battle Born name. All 29 are HMOs, and they come from 3 insurers.
Standardized design can make comparing plans easier, since the benefits follow a common template. But a Battle Born plan is still an HMO, so the same rule applies: outside its network, it generally pays only in an emergency. For a family, the deciding question is whether the plan's network includes your doctors.
With the credit, a Nevada Health Link plan is usually the most economical choice, and a Battle Born plan may be a strong candidate if its network includes your doctors. Compare it against the other plans that pass the doctor test, not just against each other.
Next step: Send me the family's doctors and your income estimate, and I'll show you which Battle Born and other plans keep them in network.
Above the credit range, you pay full price for whichever plan you choose. A healthy family should also price a nationwide PPO, where the carrier reviews each person's health and approves, declines, or approves with one named condition excluded. It often costs less than full marketplace price and comes with a national network.
Next step: Call me, and I'll put a nationwide PPO quote beside the best-fitting Battle Born and other plans in your county.
That person belongs on Nevada Health Link, since its plans, including the Battle Born plans, can't refuse anyone or charge more for health history. Choose whichever network includes their specialists.
Next step: Tell me that family member's doctors and medications, and I'll check them across every Nevada Health Link network.
If the business barely pays you, Nevada's expanded Medicaid covers adults up to 138% of the federal poverty level. If you hire someone who isn't an owner or relative, SHOP becomes an option for a group plan.
Straight answers, no sales pitch.
Nevada's state-designed, standardized plans sold through Nevada Health Link starting in 2026. For 2026, 29 of the exchange's individual medical plans carry the name, all HMOs.
No. All of them are HMOs. A healthy family wanting a PPO can get a nationwide one privately through me.
No. All 138 individual medical plans are HMOs or EPOs.
Through SHOP only after you hire someone who isn't an owner or family member.
Tell me everyone's ages, your county, the doctors your family uses and roughly what the business netted. I'll show you how a Battle Born plan, other Nevada Health Link plans and a nationwide PPO compare.
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