RENO, Nev. (KOLO) Local broker Matt Law shows us the options local residents have when it comes to buying health insurance.
The price can be daunting for an individual and the family. However, Law says in these times of low unemployment, employers are feeling pressure to start offering insurance.
“Because the individual market place is very high. And we are seeing employers shopping for employees by offering health care benefits,” says Law.
Law says while all of this is good for some, it does pull some healthy individuals from the insurance pool.
Other policies that pull from the insurance pool aren’t even legal or don’t offer complete coverage.
“Robocalling health share ministries, and short term plans that are really being aggressive in this space. And I am a little bit worried that people are being misled into these much less comprehensive brands of health plans,” says Heather Krobulic, Executive Director with the Silver State Health Insurance Exchange.
Korbulic points to a memo from Nevada's Division of Insurance which warns consumers about robocalls currently being made in the region.
They are being made to coincide with the enrollment period, when in fact, short term plans can be purchased anytime of the year. Illegal plans are just plain illegal.
Nevada’s Insurance Division says many consumers have been directed to websites which look like legitimate health insurance sites. But they aren't; instead the health division says some consumers purchased insurance not approved in this state, which certainly leaves him or her or their family with gaps in coverage.
Korbulic says while the initial price of legitimate insurance can be a shock, she reminds consumers of this fact.
“Over 80% of our consumers are eligible for subsidies where those costs are dramatically lowered. Do not let the sticker shock scare you away. Talk to an enrollment professional because you will likely be eligible for subsidies,” says Korbulic.
Korbulic has another warning. While looking at health insurance coverage, beware of short term plans. They are only legal for six months in Nevada. They are less expensive, but the coverage will reflect the cost.
For more information on brokers, policies, and other consumer warnings on health insurance, click here.