Nevada Health Link doesn't offer PPO coverage, but I can help you get a nationwide PPO privately. If you spend part of the year in Nevada and the rest elsewhere, here's how to choose a plan that covers you in both locations.
Hi, I'm Sam Jaber. I'm licensed to broker health insurance in 36 states, including Nevada. If you're a Nevada landlord or property manager, I can help you set up coverage over the phone.
Say you're a couple in your late fifties with several Las Vegas condos and a fourplex. Nevada is your primary legal residence, which means you shop for marketplace insurance through Nevada Health Link. But you escape the valley heat from June through September at your Idaho lake cabin, then head to Colorado every holiday to see the grandkids. You're spending time in three states and want access to care without finding different doctors everywhere. The challenge is that Nevada Health Link offers HMOs and EPOs centered on providers in Nevada.
For 2026, the 138 individual medical plans available through Nevada Health Link consist of 131 HMOs and 7 EPOs. Not a single one is a PPO.
I can arrange a private nationwide PPO for you in Nevada. Your health determines the pricing, and the national provider network can include the Idaho clinic near your cabin and Colorado urgent care near your grandchildren. You're not limited to in-network doctors around Las Vegas.
Outside their provider networks, HMOs and EPOs typically cover emergencies only. Spend a third of your year away from Nevada, and you could be without coverage for regular appointments, follow-up care or prescription visits during that time. A Nevada-based network becomes less useful the longer you're gone.
Start by asking yourself these questions:
Your marketplace savings depend partly on net rental income and most withdrawals from IRAs and 401(k) accounts. That's important if you're an investor using retirement funds before 65. Rental activity is generally reported on Schedule E, with management costs, repairs, interest and depreciation reducing the total. When you sell, the gain counts in the closing year. For tax years after 2025, there's no repayment limit on excess premium credit you received.
For a couple spending different parts of the year in different states, a nationwide PPO is often the better fit. The insurance company evaluates each applicant's health before deciding whether to accept, reject or accept with a particular condition excluded. Healthy people frequently get premiums below Nevada Health Link's unsubsidized rates, with access to a network across the states they visit.
Next step: Give me your yearly travel schedule, and I'll compare a nationwide PPO quote with Nevada Health Link coverage available at your Nevada address.
When your rental earnings and account withdrawals leave you eligible for a credit, Nevada Health Link will generally cost less, particularly if you spend most months at home. Just account for limited routine coverage while traveling. You may need to schedule prescriptions and regular appointments for the months you're back in Nevada.
Next step: Tell me about your rental earnings and the months you're away, and I'll help you see whether marketplace coverage fits your schedule.
If your income on paper falls far enough, Nevada's expanded Medicaid program covers qualifying adults earning up to 138% of the federal poverty level. Have your tax preparer estimate your annual income before applying. If rental earnings improve, report the increase promptly.
Next step: Give me your household's doctors and expected income figures, and we'll compare the Nevada coverage choices to find the right fit.
Straight answers, no sales pitch.
Usually, emergencies are the exception. Nevada Health Link offers HMO and EPO plans, and routine treatment outside their networks generally isn't covered.
No. Nevada Health Link's 138 individual medical options are exclusively HMOs and EPOs. If you're healthy, I can help you purchase a private nationwide PPO.
Yes. Net income from rentals counts, as do most distributions from IRAs and 401(k) accounts.
Have your tax preparer answer that one. Business profits determine the self-employed deduction, but rental income normally appears on Schedule E. How you've structured property ownership matters.
Let me know where you live in Nevada, where you stay during the other months, your net rental income and everyone needing insurance. I'll help you find coverage that works in both locations.
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