Nevada open enrollment 2027 Open enrollment · Nevada

Nevada Open Enrollment 2027 for People Between Jobs

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For people between jobs in Nevada, Nevada Health Link sets the 2027 open enrollment dates; check its site for this year's deadlines. If you are healthy, a private, medically underwritten plan is another route that ignores the calendar: if approved, it can start the first of any month, right after your job coverage ends.

What 2027 looks like for you

Nevada's average 2027 rate change is 17.2% to 18.8% (finalized). The details are on the Nevada 2027 premium increase page.

Losing job-based coverage opens a 60-day special enrollment period, and open enrollment runs at the same time this fall, so most people between jobs have two doors open at once. Federal COBRA, where it applies, lasts up to 18 months at up to 102% of the full premium. Any Marketplace subsidy depends on your 2027 household income, with the line at $63,840 for one person and $86,560 for two.

Nevada this year

Approved Nevada increases average 17 to 19 percent for 2027, while small-business plans climb about 12.3 percent. Nine insurers and a state public option program make the lineup crowded, so the gap between plans in one metal level can be wide. That crowding meets a thin safety net: in 2013 Nevada repealed the state continuation law that covered employers under 20 workers, and federal COBRA applies only at 20 or more. Hospitality and entertainment workers paid as contractors in Las Vegas, and industrial-park staff near Reno, often find coverage ends with the job. Nevada Health Link, the state's exchange, sells Marketplace plans.

State continuation in Nevada: Nevada repealed its state continuation law for employers with fewer than 20 employees in 2013, so people leaving a small Nevada employer have no state right to keep the group plan; federal COBRA applies only to employers with 20 or more workers.

One thing to do before you choose

If you left a small Nevada employer, there is no state continuation to lean on, so the clock starts the day coverage ends. Open a Nevada Health Link application and enter that date. Because nine insurers compete, sort plans by your doctors first and premium second. Performers and gig workers whose 2027 income is uncertain should estimate carefully and update it if work picks up.

Your checklist

The exact date your job coverage ends, in writing
Your COBRA notice and its election deadline
Severance and final pay in your 2027 income estimate
A private quote while COBRA is still in reserve

Private plan or Marketplace?

Private plan

Healthy and between roles: priced on age, ZIP code and health, with COBRA kept in reserve. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing treatment, or a year of lower income: Nevada Health Link must accept you within the 60-day window or during open enrollment.

Compare Nevada plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Nevada. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

Who sets Nevada's 2027 open enrollment deadline?

Nevada Health Link, Nevada's own exchange. Check its site for this year's dates before you plan around them.

I worked at a 12-person Las Vegas business. Is there any way to keep its health plan?

Usually not. Nevada repealed its small-employer continuation law in 2013, and federal COBRA starts at 20 employees. Nevada Health Link will let you enroll within 60 days of the coverage ending, and plans built under the state's public option rules sit alongside the other insurers' plans there.

Can I get a private plan in Nevada after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Nevada

Official source: Nevada Health Link: reporting life and income changes. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.

Written by Frank Caballero, licensed health insurance broker in Nevada and 30 other states, NPN 21032307. Last updated November 3, 2026.