Where to Get Low Cost Nevada Health Insurance

Are you among the 400,000 people living in Nevada without health insurance? If so, you already know that health insurance is a necessity. Now you need to know where to find low-cost Nevada health insurance.

Who Lacks Insurance in Nevada?

Lack of health insurance is not limited to low income families or the unemployed. More than half of uninsured Nevada residents are middle-class working families.

There are several reasons for Nevada's high uninsured rate:

* About 95% of Nevada businesses have fewer than 50 employees. These small businesses are less likely to offer employer-sponsored health insurance benefits. If they do offer an insurance plan, the premiums are often too high and the employees do not participate.

* Nevada has many part-time and seasonal workers who do not participate in employer health care plans.

Options for Finding Low-Cost Nevada Health Insurance

The Nevada state government does offer some programs to help residents obtain insurance:

* The Nevada Check Up program is a children's health insurance program that provides low-cost, comprehensive health care coverage to low-income, uninsured children.

* The Nevada Check Up Plus program provides a subsidy to working parents employed by small businesses so they can afford to participate in their employer-sponsored health insurance.

If you are not eligible for state aid, your next step is to look for low-cost individual health insurance. The best way to find low-cost health insurance is to go to an insurance comparison website and fill out a form with information about yourself and your insurance needs. You will then receive quotes from multiple A-rated health insurance companies. You can then compare the quotes and choose the one with the lowest cost.

by Brian Stevens