Monday-Friday 8am-5pm  |  Saturday 9am-3pm

Individual Health Insurance

Comprehensive Reno health insurance is the type of insurance coverage that covers the cost of medical and surgical expenses of an insured. Nevada Silver Life and Health Insurance Agency has many options for your family’s individual health insurance. Plans can be purchased privately or through the Nevada State Exchange Marketplace, Nevada Health Link, where you can receive premium tax credits towards your premium depending on your annual household income.

Why use an agent – I can just do it online myself?

The last couple of years has represented more change with the Reno health insurance market than perhaps the previous 20 years combined. It is important to have an advocate who understands the market and can help you select the right health insurance plan for yourself and your family. 

At NO cost to you, we represent the best health insurance companies in Nevada and can find a policy that is right for you.

How do I know which plan is right for me? Why can’t you just pick one for me?

We begin with a thorough review of:

  1. Your current doctors or specialists you will need in the near future
  2. Recent Prescriptions especially generic versus brand costs
  3. Lastly Pricing,  making sure you can financially afford the plan you choose

We want to make sure that your plan is the best fit for you. 

Common Nevada Health Link Questions

As the only preferred Nevada Health Link broker in Northern Nevada, we are asked a number of questions about the exchange. Here are just a few of the questions we come across for Reno health insurance or other places we serve. If you have any other questions, our agents are available to help you! 

How are monthly premiums calculated?
  • Age
  • Location (Where you live)
  • Yearly Adjusted Gross Income 
  • Tobacco Usage
  • Individual vs. Family Enrollment
  • Plan Category (How much coverage you want)
How do the Tax credits work?

The Federal government gives you a tax credit to offset the cost of your Reno health insurance. For more detail regarding tax credits, please contact our agents. 

Can I qualify for a subsidy through Nevada Health Link exchange if my employer offers me coverage?

Yes, but only if your employer’s plan does not meet the Minimum essential coverage or if the premium (in the least expensive plan) is more than 9.69% of your income.

What forms will I need for our appointment?

At times you may be required to submit documents to verify your personal information such as:

  • Income (a recent pay stub)
  • Citizenship (naturalized, additional documentation)
  • Notification of life change (marriage, birth or death certificates)
  • Native American or Alaskan Native status
What if I have medical issues or preexisting conditions, do they matter? 

There are no pre-existing conditions requirements, you can still enroll in a health insurance plan. 

Gina Aguerre, John Collier, and our other agents, understand your concerns of finding the right plan. We are here to assist you in choosing the best plan that fits your budget, your needs, and your life.

Need a quick quote? Give us a call at 775.829.1221

John collier, LUTCF, FSS, CC
Fax: (775) 826-2516
NV License #2545207
Gina Espinal-aguerre
Fax: (775) 826-2516
NV License #17287151
Mary Lou Urrutia
Fax: (775) 826-2516
NV License #3590623
David Moncuse
Fax: (775) 826-2516
NV License #3589736
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