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COBRA in Nevada

Nevada used to have a state continuation law for small employers. It was repealed in 2013. Plenty of websites still describe it as though it exists, which is why this page starts by telling you it does not.

Reviewed and updated 1 August 2026 against the current Nevada Revised Statutes and federal sources.

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The Nevada Continuation Law Was Repealed

Do not wait for a continuation offer that is not coming

Nevada previously required group policies issued to employers with fewer than twenty employees to permit continuation of coverage. Those provisions sat at NRS 689B.245 through 689B.249, with parallel provisions for small employer plans in Chapter 689C.
The current Nevada Revised Statutes no longer contain them. Chapter 689B now runs from the blanket policy provisions straight to the miscellaneous sections, with the entire continuation heading absent. The repeal took effect on 1 January 2014.
If your former employer had fewer than twenty employees, there is no state continuation right to fall back on in Nevada. The sixty-day Special Enrollment Period is your route, and it is worth acting on immediately rather than waiting for paperwork.

Federal COBRA in Nevada

If your former employer had twenty or more employees, federal COBRA applies exactly as it does everywhere else, and none of the above affects you.
How it works
Employer size20 or more employees, insured or self-funded
Employer noticeWithin 30 days of the qualifying event
Your window to elect60 days from the notice
What you payThe whole premium including the employer share, plus up to 2 percent
Standard duration18 months for job loss or reduced hours
Disability extensionUp to 29 months where Social Security determines a disability
Dependents after divorce, death or ageing offUp to 36 months
How federal COBRA works in full →

One Protection That Does Survive

The repeal removed continuation, but not everything. NRS 689B.0345 still requires group health policies to continue coverage for an employee on leave without pay as a result of total disability, along with their covered dependents.
That coverage runs until employment is terminated, until you obtain another policy, until the group policy ends, or after twelve months of benefits, whichever comes first. It is not continuation after job loss, but if you are on unpaid disability leave rather than terminated, it is worth knowing about.

Nevada Runs Its Own Marketplace

Nevada does not use HealthCare.gov. The state operates Nevada Health Link, overseen by the Silver State Health Insurance Exchange. Nevada ran its own platform in 2014, moved to the federal system from 2015 to 2019, and returned to a state-based exchange for 2020.
Losing job-based coverage opens a 60-day Special Enrollment Period. You can generally enrol before your coverage ends so that a new plan starts as the old one stops, which avoids a gap entirely.

Nevada has a public option

The Battle Born State Plans launched on the Nevada marketplace, making Nevada the third state after Colorado and Washington to offer government-negotiated plans, designed to reduce premiums over several years. A separate federal waiver created a market-wide reinsurance programme intended to lower premiums across the state.
That matters here more than in most states, because with no continuation right, marketplace pricing is not one option among several. It is the main one.
How ACA Marketplace pricing works →

Your Other Options

Nevada Medicaid. Nevada expanded Medicaid in 2014, and adults under 65 with household income up to 138 percent of the federal poverty level may qualify. Children are covered through Nevada Check Up at higher household incomes. There is no enrolment window for either, so you can apply at any point in the year.
A spouse or parent’s plan. Losing your own coverage usually opens a window to join a family member’s employer plan, and that window can be as short as 30 days. Ask early.
Short-term coverage, with care. A short-term plan can bridge a gap, but it is not comprehensive, it can exclude pre-existing conditions, and it does not count as minimum essential coverage. Worth understanding properly before choosing one.
What short-term medical does and does not cover →

Read Next

How much COBRA actually costs →
Compare COBRA and Marketplace side by side →
What to do when you lose coverage →
COBRA rules by state →

Sources

The absence of state continuation provisions was verified against the current text of the Nevada Revised Statutes published by the Nevada Legislature. Your plan documents and the terms your carrier provides govern your specific situation.

In Nevada there is no fallback

With no state continuation right, the sixty-day enrolment window is what you have. A licensed agent can confirm whether federal COBRA applies to you, check Medicaid eligibility, and price Nevada Health Link plans in one conversation. No charge, no obligation.
Get My Options

Prefer to talk? Call (888) 918-4516 · Monday to Friday, 10:00 a.m. to 5:30 p.m. Eastern

This page is general information about Nevada and federal continuation coverage, not advice about your specific situation. Nevada repealed its state continuation provisions effective 1 January 2014; other sources may still describe them as current. Rules, pricing, and eligibility vary by employer, plan, carrier, and household. Review your plan documents and speak with a licensed agent about your circumstances.

This website provides educational information about health insurance and is a solicitation for insurance. It is a non-government website operated by Prodest Insurance Group, a health insurance agency that presents health plans, which may include Affordable Care Act (ACA) plans, private health insurance, short-term medical insurance, or supplemental insurance based on the consumer's selection. Qualified ACA plans must meet or exceed the essential benefit requirements of the Affordable Care Act; non-ACA plans are not required to provide all of the essential benefit requirements contained in the Affordable Care Act. Pre-existing condition provisions, benefit availability, limitations and exclusions vary by plan type and state. You should review all plan details and product brochures before purchase. To qualify for ACA health insurance coverage outside of the open enrollment period, you must meet special enrollment requirements.

*Eligibility for Affordable Care Act (ACA) Advance Premium Tax Credit (APTC) and cost-sharing reductions is based on annual federal income thresholds, household size, and plan availability within the applicable service area. Premium rates, plan availability, and subsidy amounts vary by state and marketplace. Final eligibility and premium obligations are determined by the Health Insurance Marketplace under Internal Revenue Code Section 36B and applicable federal regulations.

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