Nationwide PPO coverage is still available in Nevada, and AC business owners have a useful advantage: enrollment arrives when service calls slow down. Here's how contractors in Las Vegas and Reno can make that quieter period count.
Hi, I'm Sam Jaber. I specialize exclusively in health insurance, I'm licensed in Nevada and I work with clients over the phone from start to finish.
For much of the year, air conditioning is essential to staying safe in the Las Vegas valley. Summer keeps AC contractors racing between failed compressors, cooling emergencies and sweltering attic jobs. Reno's hot season doesn't last as long, but crews there stay busy too. Eventually fall brings a welcome slowdown. Conveniently, that's also when Nevada residents can select next year's health insurance. You have an opportunity to review plans without the constant summer interruptions. Miss that chance, though, and it's easy to renew your old coverage without comparing anything, then spend the next summer too occupied to reconsider.
I can arrange nationwide PPO coverage in Nevada, and the slower part of your business year is a good opportunity to compare it.
You won't find PPOs through Nevada Health Link, Nevada's state exchange. Its 2026 marketplace includes 138 individual medical plans from 9 insurance companies, consisting of 131 HMOs and 7 EPOs. These plans generally don't pay for care outside their networks except during emergencies. PPOs provide benefits for outside doctors without referrals, although those visits cost you more. Private medically underwritten coverage can offer nationwide PPO networks, with health history affecting the premium.
For 2027 coverage, Nevada Health Link's enrollment period runs November 1 through January 15. That's generally a quieter stretch for Nevada air conditioning businesses. Instead of juggling enrollment during peak service demand, you can use the slowdown to compare your choices properly.
Nevada Health Link will ask you to estimate net self-employment income for the coming year. For an AC contractor, take projected revenue and subtract expenses for trucks, parts, equipment, refrigerant, state licensing, liability insurance and payroll. That figure determines your federal premium tax credit, so update the projection whenever business conditions change.
When we sit down by phone this fall, I'd want to cover these four areas:
Next step: Schedule a phone appointment with me during November, ahead of the holidays, and we'll work through your coverage choice together.
A new HVAC company or a summer without much heat can produce a low-income year. Nevada expanded Medicaid, allowing qualifying adults with household income no higher than 138% of the federal poverty level to receive coverage. Workers' compensation for your technicians is separate and applies to workplace injuries rather than illnesses. Keep an eye on monthly profits as business slows so you can report reduced income quickly and determine which coverage category fits.
Next step: If business has been unusually slow this year, call me. We'll compare Medicaid eligibility with the marketplace coverage available to you.
Straight answers, no sales pitch.
According to Nevada Health Link, enrollment for 2027 plans begins November 1 and continues until January 15.
Use your previous full year's profit as a baseline, account for expected business changes and revise your projection if summer heat drives earnings much higher.
For 2026, Nevada Health Link's medical plans are limited to HMOs and EPOs. Healthy business owners can purchase private nationwide PPO coverage, which I'd be happy to price.
No. Nevada operates its own health insurance exchange, known as Nevada Health Link.
When work slows this fall, give me your county, the people needing insurance and last year's business profit. We'll compare prices across the available plans and choose your coverage before summer demand returns.
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