A nationwide PPO is still an option in Nevada, and finishing a project doesn't mean you have to go uninsured. Here's how electricians around Reno and Las Vegas can stay covered between major jobs or while starting their own business.
Hi, I'm Sam. I sell health insurance and nothing else. I'm licensed in Nevada, and we can take care of the entire process over the phone.
Electrical projects around Las Vegas can keep you employed for a long stretch. Think of a casino renovation loaded with data work, a convention center, an arena or a resort tower. A crew might stay busy for a year or two before construction finishes and the contractor releases workers. Reno has a similar pattern with industrial buildings and warehouses east of the city. Some electricians move immediately into another assignment, while others decide it's time to open their own shop. The common problem is that their employer-sponsored health insurance usually disappears when that project ends.
Whether you're waiting on another project or working for yourself, I can help you get a nationwide PPO in Nevada.
You won't find a PPO through Nevada Health Link. For 2026, its 138 medical plans consist entirely of HMOs and EPOs. Routine treatment outside those networks generally isn't covered, although emergencies are. PPO coverage is different: you can see out-of-network doctors without referrals, though you'll pay a larger share. Private insurers offer medically underwritten PPOs, with premiums determined through a health review.
If you lose employer-sponsored insurance, that qualifies you for a special enrollment opportunity. In most cases, you have 60 days after losing coverage to enroll through Nevada Health Link, regardless of the month. COBRA requires some thought before you sign up. Choosing to cancel COBRA before it expires doesn't create another enrollment opportunity, but reaching its scheduled end does.
If you're in good health and considering a medically underwritten PPO, get the application started while you're still working on the project.
Here's who I'm talking to: an electrician whose next assignment could begin in three weeks or three months, or someone preparing to open a shop. Your health coverage shouldn't hinge on which direction you take.
Next step: Once you have a date for the project's completion, give me a call. We'll choose insurance that stays with you through your next move.
Your first year running an electrical shop may bring in less money than you're used to. For marketplace calculations, income is your business profit after expenses such as fuel, insurance, licensing, tools, wire and the van. If that profit qualifies you for a credit, Nevada Health Link will generally offer the lower-cost family coverage. If it falls within Medicaid eligibility, that program can help until business improves. Don't confuse workers' compensation with regular health insurance, either. If your shop purchases workers' comp, it only covers job-related injuries. Save your receipts for tools and materials from the beginning because those expenses reduce your reported profit.
Next step: Tell me what profit you're projecting for your first year, and I'll help you compare the coverage choices.
Straight answers, no sales pitch.
When your employer provided the insurance, finishing the job usually means losing that coverage. That generally gives you 60 days to enroll through Nevada Health Link.
Possibly. Nevada expanded Medicaid, so household income at or below 138% of the federal poverty level may qualify you. You can submit an application year-round.
No. Nevada Health Link offers HMOs and EPOs for medical coverage this year, not PPOs. For healthy applicants, I can quote a private nationwide PPO instead.
Look at the alternatives before canceling. Choosing to end COBRA early won't create another enrollment opportunity.
Tell me when your project finishes, whether your insurance stops then, which county you live in and who needs coverage. With that information, I can compare actual prices and help you avoid a break in insurance.
The guide for every state, and other work I help with