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.”
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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.
California Gov. Gavin Newsom won’t admit it, but a move by President Donald Trump is especially helpful to drivers in California — and Nevada.
Gasoline prices are pressuring consumers around the country. On Friday, the average U.S. price was $4.55 a gallon. In California, that would be a bargain. The average there was $6.16 a gallon. Nevada’s average was $5.23 a gallon, the result of around 88 percent of the state’s gasoline coming from California.
It might be getting worse — regardless of what happens in Iran.
In recent months, two major California refineries have shut down. That represented a 17 percent reduction in California’s refining capacity. Their closures weren’t caused by the Iran war, but by Gov. Newsom and California’s relentless attacks on fossil fuels.
To make up for the fuel it won’t extract or refine in-state, California depends on imports from foreign countries.
“We are importing 30 percent of our crude oil from the Middle East,” Mike Ariza, a former control board supervisor at the Valero Benicia Refinery, said in an interview. He has been warning the public about California’s potential fuel shortage. “There are not very many ships left on the way that have fuel,” he said last month.
Last week, KCRA-TV in Sacramento reported that “about 2 million barrels of oil are in the process of being unloaded in Long Beach off of the last California-bound tanker that got through the Strait of Hormuz.”
At a California legislative hearing Tuesday, Siva Gunda, the vice chairman of the California Energy Commission, said the state has enough gasoline to accommodate demand for the next six weeks. That’s not a very long time, especially given that it takes weeks or months for oil to travel from the Middle East to California. And that process won’t begin until the Strait of Hormuz reopens.
There is a region, however, with abundant oil available for sale and safe passage — the southeastern United States. Unfortunately, the Jones Act, an antiquated 1920 law, mandates that only U.S.-flagged ships may move cargo between U.S. ports. But only 55 of the more than 7,000 oil tankers worldwide comply with this requirement.
This is where Mr. Trump rode to the rescue. Late last month, the White House announced Mr. Trump would suspend the Jones Act for another 90 days. In March, he originally waived it for 60 days. This will make it easier for California and Nevada to obtain domestic product.
If only Mr. Trump could also suspend the destructive energy policies imposed by Gov. Newsom and California Democrats.
LAS VEGAS (KSNV) — An adoptable pet is in the spotlight for “Furever Home Friday,” with Amy from the Nevada SPCA featured in a segment highlighting an animal available for adoption today.
The Nevada SPCA encouraged viewers looking to add a pet to their family to consider adopting.
Alex LaRosa hit for a .262 batting average in 50 plate appearances for the Bishop Gorman baseball team through its 32 games played entering Thursday.
But with a chance for the Gaels to punch their ticket to the Class 5A state tournament, LaRosa came up with the biggest swing of his season.
LaRosa hit a solo home run in the top of the sixth inning and broke a tie game, which proved to be the deciding run in Gorman’s 8-4 win over Centennial on Thursday night at Durango High in a 5A Southern Region winners bracket final.
The Gaels (28-6) have qualified for the 5A state tournament, which begins May 14 at Las Vegas High. The Gaels also advance to Saturday’s 5A Southern Region title game at 10 a.m. Saturday at Durango.
“My teammates, they just push me to be better in everything to do,” LaRosa said. “I know if I get on, they’re going to to get the job done and score me. My job, hitting in the bottom of the lineup is making sure I get on base anyway I can. I just put a good swing on the ball and it got out.”
Centennial falls to the losers bracket final and will play either Arbor View or Palo Verde at 6:30 p.m. Friday at Durango to determine Gorman’s opponent for Saturday and the South’s second spot in the state tournament. Arbor View and Palo Verde play in an earlier elimination at 4 p.m. Friday at Durango to determine Centennial’s opponent.
”It feels good, we fell short the last couple of years (of reaching the state tournament),” LaRosa said. “It just feels good to finall be in it and hopefully we keep going and win it.”
LaRosa’s blast was much needed after a disastrous bottom of the fifth inning for Gorman. The Gaels led 4-0, but Centennial (25-10) cut into the deficit when Jaxon Burr singled which scored Chase Hurley, who led the inning off with a triple.
Then Jake Turner hit a fly ball to left-center field, and as Gorman center fielder DeMari Hall and Logan Grubbs dived for the ball, they collided and the ball went all the way to the wall for a two-run, inside-the-park home run.
Four batters later, Gorman catcher Austin Argenta threw to first base to pick off runner Trevor Henson, but Argenta’s throw was wild and sailed into left field, scoring Kane Barber from second, tying the game.
“I had just given a speech right before we went out to hit that we were good, we weren’t losing this game,” LaRosa said. “We’re still in this game and the dugout went crazy. We just exploded after that.”
LaRosa, who finished 2-for-4 with two runs scored, followed up with his home run in the top of the sixth, which hit the top of the left field fence. That caused a brief discussion between the three umpires before they confirmed it was a home run.
“I was just looking for a fastball to drive into the gap so my teammates could drive me in, but I got lucky, back spun it and it got out of here,” LaRosa said. “At first, I thought it was gone and then I looked up and the ball bounced back in the field.
“Then the (umpire) told me it was a home run and I kind of blacked out. It was a surreal feeling.”
Grubbs added an RBI single in the top of the seventh for Gorman. Chase Wilk was 2-for-4 with a home run in the second, a run scored during a three-run Gorman fourth inning and an RBI on a ground out in the seventh.
Justin Rodrigues had a two-run double in the fourth capped off the fourth inning for Gorman, which put the Gaels ahead 4-0. Rodriguez went 2-for-4 and recorded the final three outs on the mound for the Gaels.
Hurley and Burr each had two hits and a run scored for Centennial.
“It feels good, just returning to a national powerhouse that we were,” LaRosa said. “It’s the standard to be in the state tournament every year and compete for that state championship. So it feels good to bring the culture back to Gorman.”
Other 5A baseball results
No. 2S Arbor View 11, No. 2M Faith Lutheran 3: At Durango, Devin Martin’s two-run home run capped off an eight-run fourth inning for Arbor View, which helped the Aggies (30-7) roll past Faith Lutheran (16-15) in a 5A Southern Region elimination game.
In the fourth inning against Faith Lutheran, the Aggies scored twice on bases loaded walk, a wild pitch, a two-run single from Rhett Bryce and an RBI single by Angelo Ugarte before Martin hit his home run.
Martin finished with three RBIs and Ugarte added two RBIs. Rookie Shepard and Kingston Kela each recorded an RBI for Faith Lutheran.
No. 3M Palo Verde 7, No. 2D Desert Oasis 5: At Durango, Stone Amsden’s grand slam highlighted a seven-run seventh inning to give Palo Verde the lead, and the Panthers (26-8) held on to beat Desert Oasis (26-8-1) in an elimination game.
Desert Oasis, the Desert League’s No. 2 seed, led 4-0 entering the seventh. Owen Anderson and Matthew Simmler each had an RBI single, and Kyle Johnson scored in a wild pitch before Amsden’s homer put the Panthers, the Mountain League’s No. 3 seed ahead.
Amsden finished 2-for-4 for Palo Verde. The Panthers had just six hits.
Lincoln Guillermo was 2-for-4 with a home run for Desert Oasis, and Brody Griffith was 2-for-3 with two runs scored. Landon O’Dell had an RBI single for the Diamondbacks and Aidan Smith added an RBI and a run scored.
Contact Alex Wright at awright@reviewjournal.com. Follow @AlexWright1028 on X.
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