Updated July 2026 · NevadaPlanFinder.com — Licensed Health Insurance Producer (NPN #21249133)

Health Insurance for Roofing Contractors in Ely, Nevada

Self-employed roofing contractors in Ely can access subsidized health insurance through Nevada Health Link.
Nevada Medicaid is available for individuals with incomes up to 138% of the Federal Poverty Level (FPL), which is approximately $20,783 for an individual in 2026.
In 2026, 6 carriers offer marketplace plans in Rating Area 3, which includes Ely and White Pine County.
Premiums for a 40-year-old in Ely could range from around $250/month for a Bronze plan to $550+/month for a Gold plan, before subsidies.

For roofing contractors in Ely, Nevada, securing reliable health insurance is a critical part of managing a self-employed career. As an independent contractor, you're responsible for your own coverage, which typically means exploring options through the Affordable Care Act (ACA) marketplace, Nevada Health Link. This exchange provides access to a range of plans, often with financial assistance based on your household income. Understanding your eligibility for subsidies, which plans are available in Rating Area 3, and whether you qualify for Nevada Medicaid can make a significant difference in your healthcare costs and access.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

How Do Roofing Contractors Get Health Insurance in Ely?

Self-employed roofing contractors in Ely primarily obtain health insurance through Nevada Health Link, the state's official ACA marketplace. As an independent worker, you are considered self-employed for health insurance purposes, making you eligible to enroll in a plan during the annual Open Enrollment Period or if you experience a Qualifying Life Event (QLE). The marketplace is designed to provide comprehensive coverage that meets ACA standards, ensuring essential health benefits are included. The costs of these plans can be significantly reduced by Premium Tax Credits (subsidies), which are available to individuals and families with incomes between 100% and 400% of the Federal Poverty Level. For example, a single roofing contractor earning $40,000 annually would likely qualify for substantial premium assistance, making quality health coverage much more affordable than the sticker price. These subsidies are paid directly to your insurer, lowering your monthly premium payments.

What ACA Plans Are Available to Ely Contractors?

Ely, situated in White Pine County, is part of Nevada Rating Area 3. For 2026, 6 carriers offer marketplace plans in Rating Area 3. These carriers include Ambetter, Anthem Blue Cross and Blue Shield, CareSource, Health Plan of Nevada, Imperial Insurance Companies, and Select Health. Plan types available in Nevada Health Link generally include Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. While PPO availability is limited to select rating areas in Nevada, it's important not to categorically exclude them for all shoppers. You should check the specific plan details for your Ely ZIP code on Nevada Health Link to see the exact offerings. These plans are categorized into metal tiers:

Bronze Plans: Offer the lowest monthly premiums but have the highest deductibles and out-of-pocket costs. They cover 60% of costs on average, with you paying 40%. Best for those who expect minimal healthcare use or want protection against catastrophic events.
Silver Plans: Have moderate premiums and deductibles. They cover 70% of costs on average, with you paying 30%. If your income is below 250% FPL, you may qualify for Cost-Sharing Reductions (CSRs), which further lower your deductibles, copays, and out-of-pocket maximums, making Silver plans a strong value.
Gold Plans: Feature higher monthly premiums but lower deductibles and out-of-pocket costs. They cover 80% of costs on average, with you paying 20%. Ideal for those who anticipate more frequent medical care.
Platinum Plans: Offer the highest premiums but the lowest out-of-pocket costs. They cover 90% of costs on average, with you paying 10%. These are rare on most exchanges.
Catastrophic Plans: Available to individuals under 30 or those with a hardship exemption. They have very low premiums and very high deductibles, primarily covering major medical emergencies.

Estimated Monthly Premiums for a 40-Year-Old Roofing Contractor in Ely (Before Subsidies, 2026)

Metal Tier	Estimated Monthly Premium Range	Average Deductible Range
Bronze	$250 - $380	$7,500 - $9,450
Silver	$350 - $500	$4,000 - $7,000
Gold	$480 - $650	$1,500 - $3,500

Note: These are estimates for a 40-year-old non-smoker in Ely in 2026 and do not include potential subsidies. Actual costs will vary based on age, specific plan, and subsidy eligibility.

Nevada Medicaid and CHIP Eligibility for Contractors

Nevada expanded Medicaid in 2014, meaning many low-income residents, including self-employed contractors, may qualify for comprehensive health coverage at little to no cost. For adults, Nevada Medicaid (Nevada Medicaid) is available to those with incomes up to 138% of the Federal Poverty Level (FPL). This is a crucial safety net for contractors whose income may fluctuate or fall below this threshold. For families, Nevada also provides robust support:

Pregnant Women: Nevada Medicaid covers pregnant women with incomes up to 185% FPL. This comprehensive coverage includes prenatal care, labor and delivery, and 12 months of postpartum care. Applications can be submitted through Nevada DWSS or online at access.nv.gov.
Children: Uninsured children in households with incomes up to 200% FPL may qualify for Nevada Check Up, the state's CHIP program.

If your income falls below the 100% FPL, you should first check your eligibility for Nevada Medicaid. If you qualify, you will receive robust coverage without premiums or significant out-of-pocket costs.

Health Insurance Carriers in Ely

As a roofing contractor in Ely, you have choices when it comes to health insurance carriers on Nevada Health Link. In 2026, 6 carriers offer marketplace plans in Rating Area 3, which covers Churchill, Douglas, Elko, Esmeralda, Eureka, Humboldt, Lander, Lincoln, Lyon, Mineral, Nye, Pershing, Storey, White Pine counties. These carriers are:

Ambetter
Anthem Blue Cross and Blue Shield
CareSource
Health Plan of Nevada
Imperial Insurance Companies
Select Health

It is important to compare the networks, drug formularies, and specific plan benefits offered by each carrier to find the best fit for your healthcare needs and budget.

Making the Right Health Insurance Decision as a Contractor

Choosing the right health insurance plan as a self-employed roofing contractor in Ely requires careful consideration of your income, health needs, and budget.

Ely, with a population of 3,929 and an uninsured rate of 4.6% per U.S. Census Bureau ACS 2024 5-year estimates, is part of White Pine County, which has no acute care hospitals within its boundaries. This means residents needing acute care typically travel to neighboring counties, making a robust insurance plan with a broad network crucial. The median income in Ely is $77,500, and in White Pine County it's $72,865, suggesting many contractors may fall within the subsidy-eligible income brackets for ACA plans.

Here’s a guide to help you decide:

If your income is below 138% FPL: Apply for Nevada Medicaid. This will offer comprehensive, low-cost coverage.
If your income is between 100% and 400% FPL: Explore plans on Nevada Health Link. You will likely qualify for Premium Tax Credits to lower your monthly premiums. Consider Silver plans if your income is below 250% FPL, as you may also get Cost-Sharing Reductions.
If your income is above 400% FPL: You will pay the full premium for marketplace plans, but you still benefit from the ACA's consumer protections and essential health benefits. You may also consider off-marketplace plans directly from an insurer, though these are typically not subsidy-eligible.

A licensed health insurance producer can provide free, personalized assistance to help you navigate Nevada Health Link, compare plans from Ambetter, Anthem Blue Cross and Blue Shield, CareSource, Health Plan of Nevada, Imperial Insurance Companies, and Select Health, and enroll in the best plan for your needs.

Frequently Asked Questions

Can roofing contractors get health insurance through Nevada Health Link?

Yes, self-employed roofing contractors in Ely can purchase health insurance plans through Nevada Health Link, the state's official marketplace. Depending on your income, you may qualify for subsidies (Premium Tax Credits) that significantly reduce your monthly premiums.

What income level qualifies for Nevada Medicaid in Ely?

In Nevada, adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Nevada Medicaid. For 2026, this typically means an individual income of approximately $20,783 or less. Pregnant women may qualify with incomes up to 185% FPL, and children up to 200% FPL for Nevada Check Up.

What types of health plans are available to roofing contractors in Ely?

Through Nevada Health Link, contractors in Ely's Rating Area 3 can find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. While PPO availability is limited in Nevada, it's possible to find PPO options in select rating areas; check specific plan details for your ZIP code. Catastrophic plans are also available for those under 30 or with a hardship exemption.

Are there tax deductions for health insurance premiums for self-employed contractors?

Yes, self-employed individuals, including roofing contractors, may be eligible to deduct health insurance premiums from their gross income via the Self-Employed Health Insurance Deduction. This deduction is available if you are not eligible to participate in an employer-sponsored health plan. Consult a tax professional for personalized advice.