Nevada

Process / partial

Major hospitals must reduce billed inpatient charges for uninsured patients who arrange payment within 30 days (NRS 439B.260), with charity policies on top. No statewide 200% write-off floor. Medicaid is expanded.

NRS 439B.260; NRS 439B.320 · compiled October 2026

Rule	This state
Free-care floor	—
Discount / eligibility floor	—
Covers insured patients	Uninsured-focused statute
Which hospitals	Some hospitals / programs only
Medicaid expansion	Yes — adults to 138% FPL
Screen before collections	Yes
Credit reports	No state ban
Debt sales	Not banned
Home liens	Not banned
Wage garnishment	Tighter than the federal 25% cap
Interest on medical debt	No special cap located
Collection hold	No extra state waiting period
Lawsuit clock	6 years · NRS 11.190

2026 poverty line here

Alaska and Hawaii use their own HHS tables. Everyone else uses the 48-state and D.C. figures, effective January 2026.

Household	100%	Free floor	Discount floor
1	$15,960	—	—
2	$21,640	—	—
3	$27,320	—	—
4	$33,000	—	—
5	$38,680	—	—
6	$44,360	—	—

What to do

01 Uninsured inpatient at a major hospital: ask in writing for the NRS 439B.260 reduction and set up payment within 30 days.
02 Then still apply for charity care. The statutory reduction is a floor, not the best number.
03 Do not sign a new lien or promissory note without reading it.
04 Ask for an itemized statement before paying anything.

Appeals

Federal No Surprises Act.

Insurance: Nevada Division of Insurance — external review

Medicaid: DHHS / Medicaid fair hearing.

Medicare is federal regardless of state: redetermination, reconsideration, ALJ, Appeals Council, then district court.

Cite this in a letter

If this is a major hospital and I am uninsured, I request the reduction of billed inpatient charges under NRS 439B.260, plus a FAP / charity-care review.

Put a Nevada bill in the machine.

The estimate will use this state’s floors. The letters will cite NRS 439B.260; NRS 439B.320.

Start a Nevada case

Nevada Attorney General

Federal overlay — every state

501(r)
501(c)(3) hospital organizations must publish a Financial Assistance Policy, a plain-language summary, and generally may not take extraordinary collection actions (selling the debt, reporting it, liens, lawsuits) until they have made reasonable efforts to determine FAP eligibility.
Official source
No Surprises Act
Emergency services, air ambulance, and many out-of-network clinicians at in-network facilities cannot balance-bill beyond in-network cost-sharing. Independent dispute resolution is between the plan and the provider — not a reason to pay the sticker rate.
Official source
FDCPA
15 U.S.C. § 1692g. Within 30 days of first collector contact, demand validation. Until it is validated, the collector should stop collecting. Partial payment can restart a state’s statute of limitations.
Official source
EMTALA
Emergency departments must screen and stabilize regardless of ability to pay. An ER bill is not an agreement that chargemaster rates are the cash price.
Official source
Medicare appeals
Five levels: redetermination (MAC, 120 days), reconsideration (QIC), ALJ at OMHA, Medicare Appeals Council, then federal district court. A remaining patient balance is often a claim the provider still needs to work.
Official source
Credit bureaus
The CFPB’s 2025 medical-debt reporting rule was vacated in July 2025. Industry practice still generally omits paid medical collections and unpaid balances under $500. Unpaid medical debt over $500 can appear after a delay unless a state ban applies. FCRA-preemption fights over those state bans are ongoing.
Official source

Sources

Official government sources for the Nevada information on this page. UNDUE does not represent any government entity.