Nevada small employers in 2027: what an ICHRA or QSEHRA allowance buys on Nevada Health Link (benchmark Silver $565 a month at 40, 9 insurers, +17.0%.
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The short answer: a Nevada business with 1 to 50 employees chooses between a small-group plan and reimbursing staff for individual plans bought on Nevada Health Link, the state’s own exchange. The benchmark Silver plan an allowance buys here costs $565 a month for a 40-year-old in 2027 (KFF, statewide), 9 insurers sell, and the approved average increase is +17.0%. The owner’s own coverage follows the entity, and the Form 8941 credit follows headcount and wages, the same in every state.
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Nevada Health Link publishes no county file, so the figures here are statewide. Enter your ZIP and a licensed agent prices a group plan, an ICHRA, a QSEHRA and the owner’s own plan for your list, free.
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| Benchmark Silver, age 40, full price | $565 a month in 2027 ($497 in 2026, +13.7%) |
|---|---|
| U.S. average benchmark | $704 a month |
| Approved average 2027 rate change | +17.0% |
| Insurers selling 2027 plans | 9: Ambetter (SilverSummit Healthplan), Anthem Blue Cross and Blue Shield, CareSource, Community Care Health Plan of Nevada, Health Plan of Nevada, Imperial Health Plan, Kaiser Permanente (formerly Hometown Health), Molina Healthcare, Select Health |
| Left after 2026 / new for 2027 | none left / none joined |
| Where to enroll | Nevada Health Link, the state’s own exchange since 2020 coverage |
| Open Enrollment for 2027 | November 1, 2026 to January 15, 2027 |
| 2027 credit line, 1 / 2 / 4 people | $63,840 / $86,560 / $132,000 |
Sources: KFF Marketplace Average Benchmark Premiums, 2027 and 2026; Nevada Health Link plan year 2027 release; Nevada Division of Insurance. Nevada runs its own exchange, so the county-by-county CMS file behind the HealthCare.gov state pages does not exist here; prices by county come from the exchange or from a licensed agent.
The 2027 premium tax credit line for the owner’s own coverage is $63,840 for one person, $86,560 for a couple and $132,000 for a family of four, on net income; above it the full price applies and the private market is the comparison. The deduction route depends on the entity (by entity type). Nevada against the other states: Plans By State; the 1099 side: Plans For 1099.
Ambetter (SilverSummit Healthplan), Anthem Blue Cross and Blue Shield, CareSource, Community Care Health Plan of Nevada, Health Plan of Nevada, Imperial Health Plan, Kaiser Permanente (formerly Hometown Health), Molina Healthcare, Select Health (Nevada Health Link plan year 2027 release; Nevada Division of Insurance). No insurer left after 2026.
Yes. The business sets a monthly allowance, each employee buys an individual plan on Nevada Health Link, and the business reimburses up to the allowance. The allowance is tested against each employee’s lowest-cost Silver plan: if it makes that plan affordable, the employee loses the marketplace credit; if not, the employee may opt out and keep it.
KFF’s benchmark Silver plan for a 40-year-old is $565 a month at full price (U.S. average $704), after an approved average increase of +17.0%. Prices differ by county and age; a licensed agent prices a real census.
Price the four routes for a Nevada payrollBack to the ZIP box near the top of this page.