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Nevada Small Business Health Insurance

Although the state is rich in natural beauty and history, most people associate Nevada with gambling. However, as most small business owners are realizing, jackpots don't just hit in the Las Vegas casinos. Nevada's small businesses reach hundreds of thousands of new customers a year with its tourism industry. In order to attract loyal employees to handle this influx, employers are finding that they need to offer more than just good pay. Health insurance has become a necessary part of the employer offering.

Although the majority of large companies in Nevada present a health package to their employees, only 44.8% of small businesses offered health insurance in 2003. Insurance carriers have recently introduced consumer-driven health plans that purport to save employers money. They are also working to provide the small business owner access to group plans that are affordable and comprehensive, in accordance with the state's insurance regulations.

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Featured Nevada Small Business Health Insurance Providers

If you are looking for information on Individual or Family Plans in Nevada, products are available from the following:

• Anthem BlueCross BlueShield of Nevada
  
  
• Celtic Insurance Company
  
  
• Health Plan of Nevada
  
  
• PacifiCare of Nevada
  

Nevada’s Small Business Health Insurance Regulations

• Guaranteed issue and renewability is in effect, which means that insurance carriers must offer employers of 2-50 workers the same health plans they offer other small businesses, and cannot cancel a plan due solely to the health status of a group member. Companies may require that employers contribute a certain percentage of the premiums or have a minimum number of workers enrolled in the plan.
  
  
• Insurance carriers can charge small businesses higher premiums due to the health, age or gender of an enrolled member. Limitations are presented as to how much these premiums can become.
  
  
• Nevada health insurance carriers can include exclusion periods for a pre-existing condition. These exclusion periods can be permanent.
  
  
• The self-employed are not eligible for group health coverage, although up to 80% of the premiums paid on an individual policy are deductible at tax time.

Request a free online quote for more information on Small Business solutions in Nevada >>