Best Short-Term Health Insurance in Nevada (2023)

When longer-term plans are not available, short-term health insurance can bridge the gap until you get a full coverage plan again. It helps maintain your coverage in between jobs, when you’re too old for your parents’ policies, while waiting for open enrollment, etc.

Short-term policies are not ACA-compliant, so insurers are not obliged to grant you coverage if you have pre-existing diseases or medical disorders. Short-term health insurance may not have all of the basic essential medical benefits, so they ultimately can’t replace marketplace plans.

MoneyGeek found that the best company for short-term health insurance in Nevada is National General Accident & Health, receiving a score of 95 out of 100. The runner-up company is Everest Reinsurance Company, with a score of 85 out of 100. Nevertheless, the best company for you is one that gives you the right coverage for your needs without becoming a financial liability.

Overall, the best company that offers short-term health insurance in Nevada is National General Accident & Health, with a score of 95 out of 100. The company rankings were based on their average maximum out-of-pocket (MOOP) costs and the number of cost-sharing options they offer.

The second-best company is Everest Reinsurance Company (85 out of 100), while the third-place company is UnitedHealthcare (55 out of 100). The top two companies have MOOP costs of $7,500 and $7,958, respectively, while UnitedHealthcare has a MOOP of $11,833.

The cheapest short-term health insurance in Nevada is from National General Accident & Health. On average, its maximum out-of-pocket cost is $7,500. Having low premiums helps save you money and stay within your budget. However, low premiums often mean higher out-of-pocket costs, so make sure your policy strikes a balance you can afford.

In choosing our best picks for health insurance while you're unemployed or between jobs, MoneyGeek looked into costs and plan options. The following are our top three companies for short-term health insurance while you’re waiting for your new job:

• Companion Life Insurance Company: $148 per month
• Everest Reinsurance Company: $158 per month
• UnitedHealthcare: $165 per month

You might find yourself facing high MOOPs, even when you’re looking for the most affordable short-term policy. If you don’t need frequent medical attention, having a higher MOOP paired with low premiums may work for you.

Short-term health insurance is an emergency plan that you can get to fill in the gap between long-term coverage. It’s different from a preventive plan and does not replace marketplace plans or long-term coverage.

In Nevada, short-term health insurance can only last for 185 days. After this period, you can no longer renew your plan.

There could be qualifying reasons that entitle you to a special enrollment period. During this period, you can enroll in an ACA-compliant plan. Take note that short-term health insurance plans are generally not ACA-compliant, so they lack benefits that you might find in a regular health insurance plan.

MoneyGeek answered questions about short-term health insurance in Nevada to help you understand these plans better. Below are questions you might face while looking for a short-term plan.