In Nevada, How Does COBRA Work?
Nevada state law allows employees of companies with 19 or fewer employees to continue their employer-sponsored health insurance when federal COBRA does not apply. To qualify under the Nevada’s Mini-COBRA law, also known as the Health Insurance Continuation of Coverage Act, the insured must have maintained continuous, creditable health coverage for at least 12 months prior to the qualifying event.
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COBRA Eligibility
Nevada Allows
COBRA Alternative:
Save Up To 70%
Term Health Insurance
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$44/month*
Covers An Insurance Gap
Until Your Next Work Health Plan Starts
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*Based on age and state availability
Continuing Health Insurance Coverage In Nevada
Please choose:
No Pre-Existing Conditions
Term Medical Gap Coverage
Available in some states, as low as $44/month
Coverage For
Pre-Existing Conditions
$400 – 700/month per individual
Medicare
Nearing Retirement Age
Learn about Medicare Advantage
Nevada Health Insurance Continuation of Coverage Act
The Nevada Health Insurance Continuation of Coverage Act requires employers with fewer than 20 employees to offer continuation of group health insurance coverage to eligible employees and their dependents who lose coverage due to qualifying events such as termination of employment or reduction in hours.
- Employer Size: Applies to employers with fewer than 20 employees.
- Eligibility: Employees and their dependents who were covered under the group health plan at the time of the qualifying event.
- Qualifying Events: Termination of employment (other than for gross misconduct), reduction in hours, death of the covered employee, divorce or legal separation, or a dependent child ceasing to be eligible under the plan.
- Coverage Duration: Continuation coverage is available for up to 18 months for employees and up to 36 months for dependents in certain circumstances.
- Premium Payment: Individuals electing continuation coverage are responsible for paying the full premium amount, plus a 2% administrative fee.
- Election Period: Eligible individuals must elect continuation coverage within 60 days of the qualifying event.
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Getting COBRA Health Insurance For Pre-Existing Conditions In Nevada
COBRA can be especially beneficial if you have a pre-existing condition or need frequent medical care. Without COBRA, you may not be able to find a new insurance plan that covers your existing medical conditions, and your health could be at risk.
Although COBRA can be more expensive than your employer-sponsored plan, it can still be a cost-effective option compared to purchasing an individual insurance plan.
Apply For COBRA
Employer Has 20+ Employees
As an employee, you may continue your most recent work health insurance for up to 18 months. Family members may access the plan for up to 36 months.
The coverage is retroactive to the date you lost that insurance. After you make your premiums you will be able to reimburse approved medical expenses incurred before it was reactivated.
You sign up for COBRA with your former employer or their third party. The premium will be $400 – 700 / month, per insured person.
Nevada Mini-COBRA
The Nevada Mini-COBRA law follows the Federal COBRA law provisions accept that it is available to workers and families where they employer has 19 or fewer employees.
Marketplace / Obamacare
A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.
The average plan premium in Nevada is $480 in 2023 according to moneygeek.com.
Short-Term Health Insurance In Nevada
Short-term health insurance can be a smart choice for people in Nevada who are between jobs because it provides coverage for a limited period of time, usually up to 12 months. It’s an affordable and flexible alternative to traditional health insurance plans, including COBRA, and can help bridge the gap between jobs by ensuring access to medical care during the transition.
Short Term Medical Insurance
New Illnesses & Injury Coverage
Plans begin at $80/month.
Based on age and state availability

The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.
Accident Only Insurance with Telehealth
Pre-existing Conditions Do Not Exclude You From Accident Only Coverage
Plans start at $44/month.
Based on age and state availability
Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.
Includes Telehealth – Access to prescribing doctors for common issues
Limited Indemnity with Telehealth
Includes Telehealth giving you access to prescribing doctors for common issues.
Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.
Medicare
After your workplace insurance ends, you’ll sign up for Medicare within 8 months.
In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.
Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.
COBRA Is Available in All 50 States
Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.
Remain Insured
Accident Only plans start at $44/mo
Short-Term Medical low as $80/mo
Call us
877-262-7241
Get A Quote, Enroll Online
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