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.
Reno plan targets vacant downtown stores
Reno launches pilot program to lease vacant downtown storefronts and sublet to small businesses. Program is expected to launch in fall 2026.
There’s a debate over on Reddit right now about how dogs should be kept on leashes around town, on trails, or anywhere in public that’s not a dog park.
I should clarify: When I say “debate,” I mean that several users have created posts about how dogs should be kept on leashes, and almost every response is 100% in agreement.
Go ahead and look at the posts; nobody’s putting together a spirited defense of letting their pets run around licking strangers and pooping on nature. With that kind of general consensus, I’d want to say that leashing our dogs is one of Reno-Sparks’ “unwritten rules.”
Except for two things: One, this rule is very much written (see Chapter 95.220 of the Washoe County Code: “Owners must have animals leashed no more than 6 feet in length and under immediate control at all times.”)
And also: The phrase “unwritten rules” implies that everyone goes along with it without even thinking. But we’ve all interacted with dog owners on local trails, letting their giant furballs knock over toddlers or chase goslings through the wetlands.
“Aw, he’s just a big puppy!” they’ll say, followed up with a halfhearted, “Down, Barnaby.”
Clearly, leashing dogs is not an unwritten rule because it’s constantly being broken. A true unwritten rule for hiking trails would be something that rarely ever gets broken, like “wear pants at all times.” Really, the leash thing is more like a wish list for society, alongside such things as:
- Don’t mow before 8 a.m.
- Signal your turns and lane changes.
- Merge when you see a lane closure ahead, not at the last minute. (Yes, make all your arguments about how last-minute merging saves space. It all amounts to “I’m going to cut ahead of everyone else and pretend that it’s for the greater good.”)
- If you’re driving a large vehicle, park at the far end of the lot.
- Several more things about driving, actually.
But let’s move on. I’ve been wracking my brain to think of actual “unwritten rules” for Northern Nevada that outsiders might not grasp right away, and I didn’t come up with many. But here goes:
It’s not rude to keep your favorite spots a secret, even from friends and family: Got a favorite local park or Lake Tahoe beach? You’re not even required to tell your own mother about it, because word will get out and everything will be ruined. We value our personal space, and the community is too small to keep anything under wraps.
Side note: You can’t do this with businesses, because you need your burrito spot to stay crowded and busy. If nobody goes to your secret hot springs, it’s not going to suddenly go out of business and turn into a vape shop.
On Tahoe beaches, you can claim one beach towel’s worth of space per person, and that’s it: If word gets out about your favorite beach, you’ll have to start your day battling for a parking spot (bonus unwritten rule: You can’t reserve a parking spot by standing in it.)
The slightly less annoying ― but still difficult ― territory battle will be on the beach itself. Everyone but you will have a pop-up tent, several coolers and some sort of sound system. But societal convention dictates that any group can only claim the square footage of one beach towel per person, and leave ample space to walk between their beach site and the next one over.
Twenty minutes is a long drive in Reno-Sparks, but four hours is completely reasonable if you’re heading out of town: Recent transplants from more urban places like the Bay Area or Las Vegas will drive for 45 minutes to get to the one Target they like best. Around here, that sounds like hell.
On the other hand, driving for several hours to go see ichthyosaur skeletons or attend a Basque festival or go to a Giants game is completely reasonable. I can’t explain why this is. It might have something to do with hatred of stoplights.
Settle in a bit before complaining about outsiders: Yes, we know you just got here, and you want to prove your worthiness by complaining about Californians or Southern Nevadans, because that’s our local sport.
On average, we’re not nearly as closed off as people say; only about one-quarter of Nevadans were actually born here, so most of us know what it’s like to be the new kid. But at least wait until you’ve unloaded the last box from your U-Haul before you start griping about how new arrivals are pricing everyone out.
You, on the other hand ― you, the person reading this article right now! ― know a lot more unwritten rules for Northern Nevada. Either that, or you have ideas on what should be unwritten rules. Send them my way at bmcginness@rgj.com, and we’ll debate all of them next week.
Guys, we’re bringing back Shopko
What lost places in Reno-Sparks should we bring back? That’s the question I posed last week; here’s what you said:
Let’s start with department store ShopKo, which had the highly underrated slogan, “Say hello to a good buy.” We had three ― on South Virginia, Mae Anne and Oddie Boulevard. Lauri Ferguson wrote in to compliment the selection, and noted “their products lasted too.” Sadly, the entire chain disappeared nearly a decade ago, so bringing them back might be the heaviest lift ever.
“Bring back Famous Murphy’s,” wrote E. Pollard. “Can’t believe it ever closed and was then bulldozed and has been an empty dirt lot for more than 25 years.”
For the record, it’s actually been 18 years since it closed and 11 years since it was bulldozed, but the point stands.
“The purpose of the demolition is to make way for a new development being planned at this site,” developers told the RGJ in 2015. Anyway, it’s still an empty lot.
And finally, I had lamented over the lost Century Theaters dome on South Virginia, but Kurt Kinder mentioned one even more venerable, but equally lost: the Granada Theater, which originally opened in 1916, burned down in 1953 and reopened in 1954. It was torn down in 1997 and is now the site of the Palladio.
Brett McGinness is the engagement editor for the Reno Gazette Journal. He’s also the writer of The Reno Memo — a free newsletter about news in the Biggest Little City.
Subscribe to the newsletter right here. Consider supporting the Reno Gazette Journal, too.
LAS VEGAS (FOX5) — Nevada veterans who say they were exposed to radiation and toxic chemicals at the Nevada Test and Training Range are one step closer to getting recognized and help.
Senator Jacky Rosen and Congresswoman Susie Lee are introducing an updated “Forgotten Veterans Act,” now renamed the Sergeant Dave Crete Forgotten Veterans Act, to force the Defense Department to document contamination on the range and identify every service member who served there.
Veterans say years of classified work have kept them from proving their exposure and getting VA benefits, even as they deal with cancer and other serious illnesses.
Under the bill, the Pentagon would have to formally list the range as contaminated, unmask where veterans served the VA, and clear up a path for them and their families to qualify for care and compensation.
Copyright 2026 KVVU. All rights reserved.
The City of Reno and the Reno Police Department are mourning the loss of Detective Thomas Lopey, who served the department for nearly 13 years and was known for his dedication, leadership, and mentorship.
Lopey also served four years in the U.S. Army as an infantry mortarman, deploying in support of Operation Iraqi Freedom, and later continued his service in the National Guard as a combat engineer.
He began his law enforcement career with the Washoe County Sheriff’s Office before joining RPD, where he worked in patrol, the Regional Gang Unit, SWAT, and later became a detective. He also served as president of the Reno Police Protective Association for three years.
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City and police leaders praised Lopey as a committed public servant whose work strengthened both the department and the community. He is survived by his wife and daughter.
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