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Remember to always verify with the Nevada Division of Insurance that the person or company you are working with is licensed, certified or authorized to conduct business in this state. You can do this here or you can contact the Division in Northern Nevada at (775) 687-0700 and in Southern Nevada at (702) 486-4009.
What is Health Care Reform?
On March 23, 2010, President Obama signed the Affordable Care Act (ACA) also known as health care reform into law. The law puts in place a significant number of health insurance reforms that have rolled out over the last three years. Some of the final and most notable changes of the law will take effect on January 1, 2014.
One way to characterize the impact of the ACA is to say that it will make insurance more accessible to you. There are a number of provisions throughout the law that help you afford coverage, as well as guarantee you access to insurance with a minimum level of benefits.
VIEW HEALTH INSURANCE RATES AND PLAN DOCUMENTS
LEARN ABOUT HEALTH CARE REFORM
HOW HEALTH CARE REFORM AFFECTS YOUR FAMILY
HOW TO PURCHASE INSURANCE FOR YOU & YOUR FAMILY
Health Care Reform and your Business
Regardless of the size of your business, it is likely that some of these new laws and regulations will affect your business in some way. We have information to help you navigate these challenges and opportunities so that you can make the best decisions for your business as the health insurance landscape unfolds in 2014.
Nevada Captive Insurance
Captive insurance is a regulated form of self-insurance, in which the insurer is owned wholly by the insureds. It is organized for the purpose of self-funding the owners’ risks. Currently, Nevada, which is known for being a business-friendly state, ranks 6th in the nation as a domicile for captive insurers.
Why is it so attractive?
Among many contributing factors is its lack of a personal or corporate tax structure and a readily available, knowledgeable and responsive Division of Insurance staff. Nevada also offers a tax credit of up to $5,000 applicable to the first year of a captive’s acquisition of a Certificate of Authority.
The Nevada Division of Insurance
What We Do
The Insurance Division is charged with protecting the rights of the consumer and the public’s interest in dealing with the insurance industry and is responsible for regulating the insurance industry. It sets ethical and financial standards for insurance companies and review rates. The division responds to and assists consumers. It reviews insurance policies to ensure compliance with Nevada insurance laws and regulations. The division licenses insurance companies, insurance agents and producers. It makes sure insurance companies are solvent and have the ability to pay claims. It also makes sure companies follow through on the promises made to consumers through insurance policies. The division also reviews programs operated by self-insured employers for worker’s compensation.
News
- Statement from the Nevada Division of Insurance Regarding the Affordable Care Act
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The Nevada Division of Insurance is the primary consumer protection agency for insurance programs in Nevada. Its ultimate mission is to protect Nevada consumers, ensure a healthy insurance industry, and maintain a fair regulatory environment.
- Commissioner Kipper and Attorney General Masto Warn Nevadans to be Wary of Affordable Care Act Fraud
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Now that open enrollment has begun for health insurance plans affected by the Affordable Care Act (ACA), Nevadans need to be wary of scammers looking to take advantage of consumer’s uncertainty surrounding this law.