Nevada open enrollment 2027 Open enrollment · Nevada

Nevada Open Enrollment 2027 for Small Business Owners

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

Short answer

For small business owners in Nevada, Nevada Health Link sets the 2027 open enrollment dates; check its site for this year's deadlines. Your own coverage can also come from a private, medically underwritten plan, which does not wait for the window: if approved, it can start the first of any month.

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.

Group plans can renew at any point in the year, so open enrollment matters to owners for two reasons: an individual coverage HRA, or ICHRA, reimburses employees for individual plans they choose, and most of that shopping happens in this window; and an owner covering only the household buys in the individual market too. For your own household, the 2027 subsidy line is $63,840 for one person, $86,560 for two and $132,000 for four.

Nevada this year

Nevada's finalized individual increase runs about 17.2 to 18.8 percent for 2027, while small-group renewals average roughly 12.3 percent. The individual market is crowded, with nine insurers filing, and Nevadans enroll through Nevada Health Link, the state exchange, where a state public option program now shapes part of the lineup. That depth gives ICHRA participants real choice in Las Vegas, Henderson and Reno, though Elko and rural mining towns have less. A Las Vegas entertainment company, a Reno industrial-park contractor or a Carson City professional firm will see group renewals rising more slowly than individual coverage this year.

Small-group plans in Nevada average about 12.3% for 2027, against 17.2% to 18.8% for individual plans, so put this year's group renewal next to an ICHRA quote before you sign it.

One thing to do before you choose

With nine insurers in the Nevada individual market, the spread between plans in one metal tier can be wide, so an ICHRA comparison should use several real plans per employee, not one average. Pull prices on Nevada Health Link for workers in Henderson, Sparks and Carson City, set them beside your group renewal, and rely on the exchange's own dates for 2027 deadlines.

Your checklist

Your 2027 group renewal letter and its effective date
How many employees you have and where they live
A fixed monthly ICHRA budget you could offer
Your own household's coverage, priced separately

Private plan or Marketplace?

Private plan

For the owner's own household when everyone is healthy: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

For employees on an ICHRA, or an owner with ongoing care: Nevada Health Link accepts everyone 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.

Does Nevada law let someone who quits my 8-person business continue the group policy?

No. Nevada repealed its continuation law for businesses smaller than 20 employees in 2013, and federal COBRA applies only to employers with 20 or more workers. Someone leaving a small Nevada employer usually needs a Marketplace or private plan instead of the group coverage.

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.