Health insurance for CPA firms in Nevada
A CPA firm in Nevada is usually shopping for two things at once: the owner’s own policy, which pays full price above $62,600 of income this year, and some way to help staff whose median pay in Nevada runs from $41,480 for seasonal tax preparers to $78,220 for staff accountants. These are the Nevada numbers for both.
Your own premium in Nevada
Nevada runs its own marketplace, Nevada Health Link, so county prices come from the state rather than the federal data this site is built on. The average benchmark Silver plan for a 40-year-old in Nevada costs $497 a month in 2026, and above $62,600 of income for one person, or $128,600 for a family of four, there is no subsidy to bring it down. Insurers have filed an average 17.1% increase for 2027, before regulators sign off.
What you pay as the owner is deductible on Form 7206.
What your staff earn in Nevada, and what an ICHRA has to cover
| Role | Nevada median pay | Most they can be asked to pay, self-only |
|---|---|---|
| Staff accountants (BLS: accountants and auditors) | $78,220 | $649/mo |
| Bookkeepers (BLS: bookkeeping, accounting and auditing clerks) | $49,500 | $411/mo |
| Seasonal tax preparers (BLS: tax preparers) | $41,480 | $344/mo |
BLS May 2024 medians for employees in Nevada; 9.96% of pay is the 2026 affordability line.
- Staff accountants, $78,220 a year. They can be asked to pay at most $649 a month for self-only coverage; whatever the lowest-cost Silver in their area costs above $649 is what an ICHRA has to fill.
- Bookkeepers, $49,500 a year. They can be asked to pay at most $411 a month for self-only coverage; whatever the lowest-cost Silver in their area costs above $411 is what an ICHRA has to fill.
- Seasonal tax preparers, $41,480 a year. They can be asked to pay at most $344 a month for self-only coverage; whatever the lowest-cost Silver in their area costs above $344 is what an ICHRA has to fill.
What a QSEHRA covers in Nevada
The 2026 ceiling is $6,450 a year self-only, or $537.50 a month — more than all of Nevada’s $497 benchmark for a 40-year-old. The $13,100 family ceiling, about $1,092 a month, goes further only where family premiums are lower than average.
Who a CPA firm can and cannot cover
Partners and more-than-2% S corporation shareholders cannot join the firm’s QSEHRA or ICHRA, and seasonal preparers can be excluded or given their own class. The full rules for CPA firms cover partners, 2% shareholders and contractors in detail.
Sources: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024; KFF, Marketplace Average Benchmark Premiums, 2026; IRS Publication 15-B (2026), Employer’s Tax Guide to Fringe Benefits; HealthCare.gov, CHOICE Arrangements (formerly individual coverage HRAs).
Questions owners ask
How much does health insurance cost the owner of a CPA firm in Nevada?
About $497 a month for a 40-year-old on the average benchmark Silver in Nevada in 2026, with no subsidy above $62,600 of income for one person or $128,600 for a family of four.
Can a CPA firm in Nevada reimburse staff for individual health insurance?
Yes, through a QSEHRA (up to $6,450 self-only in 2026) or an ICHRA with no cap; the employer sets the amount by class of employee, and it has to clear the 2026 affordability test for each employee.