The Truckee River flowing through downtown Reno, Nevada

Reno · Washoe County, Nevada

Reno health insurance broker. For hourly and shift workers.

Free help for Reno workers paid by the hour. Working shifts at a casino, a warehouse, or a restaurant, with hours that change week to week? You can compare plans on Nevada Health Link, and we can help you understand your options. We are licensed in Nevada. Nevada runs its own exchange, Nevada Health Link.

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Photo: "Truckee River in downtown Reno - 2021-11-14 - Sarah Stierch" by Missvain, via Wikimedia Commons, licensed under CC BY 4.0. Cropped, resized, and converted to WebP. Modified from the original.

Questions we hear

Hours that
keep changing?

In Census Bureau figures, about 13 in 100 Reno residents under 65 had no health coverage. Hourly workers here ask us these.

“My hours go up and down. How do I pick an income?”

Start with your hourly pay times the hours you expect in 2027, plus tips. If it changes, update your application.

“My job offers a plan, but it costs a lot. Can I buy my own?”

Yes, you can. A tax credit depends on whether the job plan counts as affordable under federal rules. We check the offer.

“Is there a lower-cost option for my kids?”

Depending on income, kids may be able to get Nevada Check Up or Medicaid. We check for each child.

Reno by the numbers

A river city
in Washoe County.

Reno sits along the Truckee River in Washoe County. These figures come from the Census Bureau.

About 273,000

people call Reno home, Census 2020-2024.

$80,760

marks Reno's median household income.

About 50 in 100

of Reno homes are lived in by owners.

About 37

is the median age in Reno.

About 12 in 100

of Reno workers mostly telework.

About 13 in 100

of Reno residents under 65 went without coverage.

About 7 in 100

of Reno adults 19-64 had just a plan they bought.

Source for Reno: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (tables B01003, B19013, B25003, B01002, B08301, B27010). Your plans, prices, and tax credit depend on your ZIP code, household, and income.

Paul DanielsLicensed health advisor · NPN 20986580

How we help

Shift-work help
in Reno.

We can put Nevada plans from several insurers side by side. We show what each costs per month after any tax credit, and what a full year could cost.

Battle Born State Plans are back for 2027, Nevada Health Link says. We walk through how they stack up next to the other plans for your ZIP code.

If you work two part-time jobs, we add the pay from both. Neither job may offer a plan, but the total sets your help.

Reno plans can use different groups of doctors and hospitals. We look up the ones near your home and work.

Help for hourly and shift workers
Licensed in 20 U.S. states · Agent NPN 20986580
You do not pay us for our help. We are paid by the insurance companies when you enroll. Your price for a plan is the same whether you use us or sign up on your own. Commissions can differ by company.

How it works

Three steps
for hourly workers.

Household and ZIP

Ages and your Washoe County ZIP code.

Hours and tips

What you expect to earn in 2027.

Weigh your choices

Monthly and yearly costs, with doctors checked.

Book a 15-minute call

Free · No obligation · About a 15-minute call

What you get

A plan that fits
your schedule.

Your coverage can stay put even when your hours change. After our call, you'll have:

A 2027 income estimate from your hours and tips
A look at any job plan offer
What each Nevada plan could cost over 12 months
A plan to sign up by December 31, 2026, for a January 1, 2027, start

Straight answers

Reno health insurance questions.

What are Reno's 2027 sign-up dates?

Reno residents use Nevada Health Link. As of October 26, 2026, it lists the 2027 enrollment period as November 1, 2026, to January 15, 2027. A court case about these dates, City of Columbus v. Kennedy, is still on appeal, with argument set for October 30, 2026. Confirm the dates before you enroll. Choose by December 31 and coverage begins January 1. Choose in January and it begins February 1.

Did Nevada take the ACA Medicaid expansion?

Yes. KFF, as of October 26, 2026, counts Nevada among expansion states. Adults with low incomes may qualify.

What are Battle Born State Plans?

As of October 26, 2026, Nevada Health Link says they cover the ten essential health benefits, like doctor visits, hospital stays, and prescription drugs. We can go over them with you next to other Reno plans.

What if I lose hours and my job plan ends?

When job coverage ends, you usually get 60 days to choose a new plan. Keep any notice that shows the end date.

Do tips count as income?

Tips are usually part of your income. A tax professional can help if you're not sure how to count them.

What if I take a full-time job with benefits later?

You can end your Nevada Health Link plan when the new plan starts. Report the change.

Is Reno in one county?

Yes. Reno is in Washoe County.

What should I have ready?

Your ZIP code, recent pay stubs, and the names of your doctors and the drugs you take.

Open enrollment starts November 1

Comparing plans in Reno?

Sort out your plan on a free 15-minute call, or start a quote online. You're in charge.

Book a 15-minute call Get a quote online

By the Daniels Health Advisors team (agent NPN 20986580). Local facts checked October 26, 2026.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not Nevada Health Link, HealthCare.gov, CMS, a state agency, a state insurance department, or an insurance company. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. For tax questions, talk with a tax professional. Official: NevadaHealthLink.com. To check an agent's license, contact your state's insurance department. Reno / Washoe County, Nevada.

Reno health insurance broker. For hourly and shift workers.

Hours thatkeep changing?

A river cityin Washoe County.

Shift-work helpin Reno.

Three stepsfor hourly workers.

A plan that fitsyour schedule.