I build houses.
Now I build your health coverage — the right way.
As a contractor, I never let a client sign without seeing every number. Same with your 2027 health plan: premiums, tax credits, your doctors, your prescriptions — measured twice, before you commit.
2027 ACA Open Enrollment — what you need to know
Open Enrollment through Nevada Health Link. Book your appointment now for any day after Nov 1 — don’t wait until November.
Choose by Dec 31 → coverage starts Jan 1, 2027. Choose Jan 1–15 → coverage starts Feb 1, and you have no coverage in January. Don’t wait until January.
Premiums are up for 2027. I’ll check your premium, your tax credit, and whether your doctors and medications are in-network — and show you the numbers.
Under the new federal law, many lawfully present immigrants — including people with pending asylum, work permit only, or a pending marriage green card (I-485) — may no longer get the premium tax credit starting in 2027 and could pay full price. Book early so we can review your situation and find the best option for you.
- Photo ID
- Proof of income (pay stubs or tax return)
- Your current insurance card
- List of your doctors and prescriptions
My broker service is free. Your premium is the same whether you enroll with me or on your own.
How your income sets your tax credit
The ACA subsidy is really a tax credit. How much you get depends on your household income compared to the Federal Poverty Level (FPL). For 2027 plans, the 2026 poverty numbers are used.
| Household | 100% FPL | 138% (NV floor) | 400% (cap) |
|---|---|---|---|
| 1 person | $15,960 | $22,025 | $63,840 |
| 2 people | $21,640 | $29,863 | $86,560 |
| 3 people | $27,320 | $37,702 | $109,280 |
| 4 people | $33,000 | $45,540 | $132,000 |
We use your expected 2027 household income (MAGI — roughly the adjusted gross income on your tax return) and your tax household size.
The lower your FPL %, the smaller share of income you pay for the benchmark silver plan. The tax credit covers the rest.
The credit is usually paid in advance to your insurer each month. When you file taxes, Form 8962 compares it to your real income. Earn more than estimated → you may pay some back. Earn less → you may get more back.
Why work with a contractor on your coverage?
Side-by-side quotes before you sign anything.
English, Cantonese and Mandarin support from our team.
ACA, Medicare, free Medicaid assistance, and small-business group plans.
Free help all year — not just during enrollment.
— Sosafina
Book your free 2027 coverage review
15 minutes by phone, or in person in Las Vegas. Reserve a time now for any day after Nov 1.
See Kyle’s open times and book instantly. You’ll get a confirmation and reminder by email. Phone or in person in Las Vegas.
Book My Free Review Now