Nevada
Nevada debuts public option amid federal health care shifts
More than 10,000 people have enrolled in Nevada’s new public option health plans, which debuted last fall with the expectation that they would bring lower prices to the health insurance market.
Those preliminary numbers from the open enrollment period that ended in January are less than a third of what state officials had projected. Nevada is the third state so far to launch a public option plan, along with Colorado and Washington state. The idea is to offer lower-cost plans to consumers to expand health care access.
But researchers said plans like these are unlikely to fill the gaps left by sweeping federal changes, including the expiration of enhanced subsidies for plans bought on Affordable Care Act marketplaces.
The public option gained attention in the late 2000s when Congress considered but ultimately rejected creating a health plan funded and run by the government that would compete with private carriers in the market. The programs in Washington state, Colorado, and Nevada don’t go that far — they aren’t government-run but are private-public partnerships that compete with private insurance.
In recent years, states have considered creating public option plans to make health coverage more affordable and to reduce the number of uninsured people. Washington was the first state to launch a program, in 2021, and Colorado followed in 2023.
Washington and Colorado’s programs have run into challenges, including a lack of participation from clinicians, hospitals, and other care providers, as well as insurers’ inability to meet rate reduction benchmarks or lower premiums compared with other plans offered on the market.
Nevada law requires that the carriers of the public option plans — Battle Born State Plans, named after a state motto — lower premium costs compared with a benchmark “silver” plan in the marketplace by 15% over the next four years.
But that amount might not make much difference to consumers with rising premium payments from the loss of the ACA’s enhanced tax credits, said Keith Mueller, director of the Rural Policy Research Institute.
“That’s not a lot of money,” Mueller said.
Three of the eight insurers on the state’s exchange, Nevada Health Link, offered the state plans during the open enrollment period.
Insurance companies plan to meet the lower premium cost requirement in Nevada by cutting broker fees and commissions, which prompted opposition from insurance brokers in the state. In response, Nevada marketplace officials told state lawmakers in January that they will give a flat-fee reimbursement to brokers.
The public option has faced opposition among state leaders. In 2024, a state judge dismissed a lawsuit, brought by a Nevada state senator and a group that advocates for lower taxes, that challenged the public option law as unconstitutional. They have appealed to the state Supreme Court.
Federal Policy Impacts
Recent federal changes create more obstacles.
Nevada is consistently among the states with the largest populations of people who do not have health insurance coverage. Last year, nearly 95,000 people in the state received the enhanced ACA tax credits, averaging $465 in savings per month, according to KFF, a health information nonprofit that includes KFF Health News.
But the enhanced tax credits expired at the end of the year, and it appears unlikely that lawmakers will bring them back. Nationwide ACA enrollment has decreased by more than 1 million people so far this year, down from record-high enrollment of 24 million last year.
About 4 million people are expected to lose health coverage from the expiration of the tax credits, according to the Congressional Budget Office. An additional 3 million are projected to lose coverage because of other policy changes affecting the marketplace.
Justin Giovannelli, an associate research professor at the Center on Health Insurance Reforms at Georgetown University, said the changes to the ACA in the Republicans’ One Big Beautiful Bill Act, which President Donald Trump signed into law last summer, will make it more difficult for people to keep their coverage. These changes include more frequent enrollment paperwork to verify income and other personal information, a shortened enrollment window, and an end to automatic reenrollment.
In Nevada, the changes would amount to an estimated 100,000 people losing coverage, according to KFF.
“All of that makes getting coverage on Nevada Health Link harder and more expensive than it would be otherwise,” Giovannelli said.
State officials projected ahead of open enrollment that about 35,000 people would purchase the public option plans. Of the 104,000 people who had purchased a plan on the state marketplace as of mid-January, 10,762 had enrolled in one of the public option plans, according to Nevada Health Link.
Katie Charleson, communications officer for the state health exchange, said the original enrollment estimate was based on market conditions before the recent increases in customers’ premium costs. She said that the public option plans gave people facing higher costs more choices.
“We expect enrollment in Battle Born State Plans to grow over time as awareness increases and as Nevadans continue seeking quality coverage options that help reduce costs,” Charleson said.
According to KFF, nationally the enhanced subsidies saved enrollees an average of $705 annually in 2024, and enrollees would save an estimated $1,016 in premium payments on average in 2026 if the subsidies were still in place. Without the subsidies, people enrolled in the ACA marketplace could be seeing their premium costs more than double.
Insights From Washington and Colorado
Washington and Colorado are not planning to alter their programs due to the expiration of the tax credits, according to government officials in those states.
Other states that had recently considered creating public options have backtracked. Minnesota officials put off approving a public option in 2024, citing funding concerns. Proposals to create public options in Maine and New Mexico also sputtered.
Washington initially saw meager enrollment in its Cascade Select public option plans; only 1% of state marketplace enrollees chose a public option plan in 2021. But that changed after lawmakers required hospitals to contract with at least one public option plan by 2023. Last year the state reported that 94,000 customers enrolled, accounting for 30% of all customers on the state marketplace. The public option plans were the lowest-premium silver plans in 31 of Washington’s 39 counties in 2024.
A 2025 study found that since Colorado implemented its public option, called the Colorado Option, coverage through the ACA marketplace has become more affordable for enrollees who received subsidies but more expensive for enrollees who did not.
Colorado requires all insurers offering coverage through its marketplace to include a public option that follows state guidelines. The state set premium reduction targets of 5% a year for three years beginning in 2023. Starting this year, premium costs are not allowed to outpace medical inflation.
Though the insurers offering the public option did not meet the premium reduction targets, enrollment in the Colorado Option has increased every year it has been available. Last year, the state saw record enrollment in its marketplace, with 47% of customers purchasing a public option plan.
Giovannelli said states are continuing to try to make health insurance more affordable and accessible, even if federal changes reduce the impact of those efforts.
“States are reacting and trying to continue to do right by their residents,” Giovannelli said, “but you can’t plug all those gaps.”
Are you struggling to afford your health insurance? Have you decided to forgo coverage? Click here to contact KFF Health News and share your story.
KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF — an independent source of health policy research, polling, and journalism. Learn more about KFF.
Nevada
Catholic Charities of Southern Nevada marks 85 years, now serving 4,500 daily
LAS VEGAS (KSNV) — Catholic Charities of Southern Nevada is marking 85 years of service on April 16th, a milestone that leaders say reflects both the organization’s growth and the region’s ongoing needs.
The nonprofit says it traces its early roots to Northern Nevada and later expanded into Southern Nevada to help people after the building of the Hoover Dam. Historical photos from the organization show its footprint widening over the decades as Las Vegas grew.
Today, Catholic Charities of Southern Nevada operates 16 programs and serves about 4,500 individuals every day, according to President and CEO Sara Ramirez, who adds the organization’s work is driven by three core values: families, food, and housing.
“No one promised us an easy life. If you have a solid family base around or support system around you, you’re more likely to overcome the crisis and not only overcome but overcome it quickly back to a state of normalcy,” Ramirez said.
On food security, Ramirez said, “Food is life and that is imperative regardless of whether your are a newborn child or a senior in our Meals on Wheels program.”
For housing stability, Ramirez noted the 400-bed men’s shelter and the St. Vincent Apartments, a 120-unit apartment complex on the Catholic Charities campus that provides a place to stay for people who are unhoused or facing housing instability.
The anniversary comes as Clark County awaits results from the annual point-in-time count, a census of people living without a permanent home that took place in January. The last census found nearly 8,000 people experiencing homelessness on a single night.
While the official count is still being tallied, Nicole Anderson, vice president of social services, described what she witnessed during the count.
“To go out in the community at 4, 5 in the morning, and intentionally look for people and see the areas they’re sleeping in; to see a young woman, under a blanket in a corner because that’s the only place she can stay warm, it’s heartbreaking,” Anderson said.
Anderson spoke with us in a classroom. “Clients work off these computers,” she said, describing the space where people can learn — or in some cases re-learn — employment skills, including how to interview, as they work to regain stability.
“They have to be ready, seeing them, make those changes and be confident again, and lean on these case managers and on each other, there’s a cool thing that happens naturally and organically,” Anderson said.
Ramirez also described what she called a growing trend of older people experiencing homelessness and shared what a daily meal can mean for someone struggling. “He had shared, Sara, my life is hard but for one hour every day, I can come to the dining hall, find a meal and find peace,” Ramirez said.
Nevada
Enrollment period almost over for Nevada’s prepaid tuition program
LAS VEGAS (KSNV) — The enrollment period for the Nevada prepaid tuition program is almost over.
Wednesday, April 15, is the final day to create an account for the current enrollment period.
It’s a chance for parents to jumpstart their children’s education by starting to save now.
Nevada State Treasurer Zach Conine joined us to talk more about how you can lock in future tuition at today’s rates.
BE THE FIRST TO COMMENT
Visit nvigate.gov to learn more and to open your account.
Nevada
Nevada designates Sunrise Hospital as Level 1 trauma center in Las Vegas
LAS VEGAS (KSNV) — Sunrise Hospital & Medical Center has been officially designated as a Level I Trauma Center by the State of Nevada, the highest level of trauma care available, the hospital announced Tuesday.
The designation is expected to strengthen the Las Vegas hospital’s ability to recruit and train leading physicians, advance trauma research and deliver the highest level of care for the community.
“We extend our sincere appreciation to Governor Lombardo for recognizing the need for this important designation and allowing us the ability to train and attract top-tier physicians in Nevada and engage in trauma research,” said Todd P. Sklamberg, CEO of Sunrise Hospital. “We also want to recognize our physicians, first responders, regulatory partners and the broader community for their continued support throughout this process.”
MORE: Sunrise Trauma sees rise e-bike, e-scooter injuries in early 2026, many brain-related
Level I Trauma Centers are equipped to deliver total care for every aspect of injury — from prevention through rehabilitation — and must meet rigorous standards established by state and national accrediting bodies.
The designation also affirms Sunrise Hospital’s commitment to clinical excellence, continuous research and education in trauma care.
BE THE FIRST TO COMMENT
“Congratulations to Sunrise Hospital & Medical Center on this extraordinary milestone that will strengthen Nevada’s healthcare system and move our state forward,” Nevada Gov. Joe Lombardo said. “Level I Trauma Center designation reflects the highest standard of care and ensures that communities in Southern Nevada have access to lifesaving services when they need them most. I am deeply grateful for the dedicated healthcare professionals and first responders whose commitment continues to elevate patient care across the state.”
-
Ohio2 days ago‘Little Rascals’ star Bug Hall arrested in Ohio
-
Georgia1 week agoGeorgia House Special Runoff Election 2026 Live Results
-
Arkansas6 days agoArkansas TV meteorologist Melinda Mayo retires after nearly four decades on air
-
Pennsylvania1 week agoParents charged after toddler injured by wolf at Pennsylvania zoo
-
Milwaukee, WI1 week agoPotawatomi Casino Hotel evacuated after fire breaks out in rooftop HVAC system
-
Culture1 week agoCan You Name These Novels Based on Their Characters?
-
Austin, TX1 week agoABC Kite Fest Returns to Austin for Annual Celebration – Austin Today
-
Pittsburg, PA1 week agoPrimanti Bros. closes Monroeville and North Versailles locations