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Health Insurance: Individual or Group

What Level of health insurance do I and my family qualify for and need?

Health Insurance: Individual or Group

  1. Based on your attested current year adjusted gross income on your personal 1040 tax return line #37 you may be eligible for the Advance Premium Tax Credit (APTC) subsidizing your cost of insurance for you and your family. This monthly subsidy is sent by the ACA government program directly to the insurance carrier of your choice to offset the gross monthly cost of the insurance plan. Your share of cost is the balance due and is a monthly bill paid by you and sent directly to the insurance carrier at the same time each month. The attested year for determine the subsidy is 2015.
  2. The 2016 Attested year For 2016 APTC Open Enrollment is:
    November 15, 2015 to January 31, 2016.

  3. You may also be eligible for Medicaid if your income is less than 138% below the current year listed poverty level of income. In which you are placed within the No-Cost Federal Group Medical Insurance plan via United Health Care in the State of Nevada via Medicaid.
  4. In the event your income is ABOVE 400% of the current year listed poverty level of income you may apply for ON or OFF exchange individual health insurance at the full cost to you and your family. There are many carriers, plan designs and networks to research on-line. Since this requires a lot of time and attention to detail let me help you navigate this matrix of choices quickly.

Beginning November 15, 2015, I will be setting No-Cost Confidential Appointments to help you determine which level of health insurance you and your family are eligible for. Call (775) 813-5309!

Meet me at your convenience! BE READY…

The initial confidential interview with me is about one hour on-line, in-person or co-browsing. You must provide personal information for all family members applying along with your most current personal 1040 tax information on page 1 Line 37. Social Security number, current addresses, dates of birth are required.





Access NV Healthcare - Nikki Pecorino

Working Confidentially for You and Your Family Since 1999!


Appointment Times are Monday-Friday 9:00 a.m. to 7:00 p.m. - top of each hour upon availability. Saturday 9:00 Noon. Please allow one hour for the initial appointment.

Contact Nikki Now!

(775) 813-5309

(855) 828-6432

Insurance License #NPN 4579751
CA Insurance License #OD32885