Nevada's 2027 Health Insurance Rates Are Out. Here's What They Mean for the Plan You Already Have
Nevada approved an average 17.0% increase for Nevada Health Link plans and 10.9% off the exchange for 2027. What that number does and doesn't mean for what you pay.
Read itIf Nevada Medicaid Sent You a Letter This Month, Read This First
About 250,000 Nevadans are getting Medicaid letters about work rules starting January 1, 2027. Who is exempt, and the loss that blocks tax credits.
Read itFour Things Land on a Nevada Employer's Desk Before October 15
A rebate check, an HRA notice, 2027 small-group prices and a Medicare Part D letter all reach Nevada employers between September 30 and October 14.
Read itWhen open enrollment ends for 2027 coverage, and why December 15 still runs your year
Open enrollment for 2027 runs November 1 to January 15 in most states. CMS confirmed it on July 27 after a court threw out the shorter window. Dates by state, plus the deadline nobody argued about.
Read itWho I Call When the Back-Office Stuff Piles Up
When the back-office stack piles up on a small business owner, I make an introduction. Here's who I send people to, why, and full transparency on how it works.
Read itA Summer Life Change Can Open a 60-Day Window
Married, moved, had a baby, or lost your coverage this summer? You may have a 60-day window to get or change a health plan. Here's how it works.
Read itThe Two Things Your Health Plan Skips
Most medical plans don't cover adult dental and vision. Here's why, how standalone and bundled coverage work, and what it means for a small team.
Read itYou Don't Have to Wait Until January to Cover Your Team
No. Group health, ICHRA, and QSEHRA can start any month of the year. Here's how to put coverage in front of your team now instead of in January.
Read itLife Insurance Costs a Lot Less Than You Think
How much you actually need, and which kind is right for you. A guide to finding the honest number for your life insurance coverage.
Read itThe Market Panicked in 2026. You Don't Have To.
Uninsured mid-year, cancelled your marketplace plan, or stuck in the wrong one in 2026? A Henderson NV broker, licensed in 34 states, on your real options now.
Read itThe Subsidy Cliff Hit You. Here's the Playbook.
The ACA subsidy cliff is back in 2026. Five moves for self-employed and small business owners earning above 400% FPL, from a Henderson NV broker licensed in 34 states.
Read itWhy I Sell So Much Supplemental Insurance (And How To Know If You Need It)
Supplemental insurance pays you cash when something specific happens, not a network or a copay. Here is what accident, critical illness, and hospital indemnity actually cover, when it pays off, and when it does not.
Read itHealth Insurance for Self-Employed: What I Actually Recommend (From a Broker Who's Placed 145 Clients)
An independent broker licensed in 34 states explains marketplace vs private, what plans actually cost, and how to figure out which one fits you. Real client case included.
Read itMy 2026 Marketplace Premium Went Up. Should I Switch to Private Health Insurance?
The subsidy rules changed in 2026. Here's how to figure out if underwritten private health coverage may save money or if marketplace is still safer.
Read itWhy You Do Not Have to Wait for Open Enrollment to Change Your Health Insurance
Open Enrollment only applies to ACA plans, on or off the Marketplace. Private health insurance is available year-round, often at lower premiums for healthy self-employed and small business owners. An independent broker explains the difference, when private makes sense, and when it does not.
Read itNevada Health Insurance Rates 2026
Nevada approved rate increases of 13.8% to 30.5% on Nevada Health Link for 2026. Here's why premiums went up and what you can do about it.
Read itBattle Born State Plans: Henderson Guide
Nevada's new public option health plans launched in 2026. What they are, who offers them, and whether they could lower your premium.
Read itACA Open Enrollment 2026: Key Dates
The 2026 ACA open enrollment deadline is approaching. Learn key dates, required documents, and how to avoid coverage gaps.
Read itHealth Insurance Deductibles Explained
Confused by health insurance deductibles? Learn how they work, how they affect your costs, and how to choose the right deductible for your situation.
Read itSmall Business Health Insurance Guide
Offering health insurance as a small business? Learn about group plans, SHOP marketplace, tax credits, and how to attract employees with competitive benefits.
Read itShort-Term Health Insurance: Pros and Cons
Is short-term health insurance right for you? Learn the benefits, limitations, and ideal use cases for temporary health coverage.
Read itHow Much Life Insurance Do You Actually Need?
Wondering how much life insurance coverage to buy? Learn the factors that determine your ideal coverage amount and common mistakes to avoid.
Read itHMO vs PPO: Which Plan Is Right?
Confused about HMO and PPO health plans? Learn the key differences, pros and cons, and how to choose the right plan type for your healthcare needs.
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Guidance from Mary
Blog
Plain-English answers to the questions I get most, newest first.