- Nevada PERS does not provide health insurance. You may have premiums for continued group health and life insurance deducted from your Nevada PERS check. Contact your plan's administrator to set this up.Pre-Retirement Guide (REV 1/25), p. 9, Deductions
- Check with Nevada PERSThe state's Public Employees' Benefits Program (PEBP) covers retirees with 5+ years of service whose last employer participates in PEBP, if they enroll within 60 days after retiring. Years-of-service premium subsidies go only to those first hired before January 1, 2012 (15+ years if hired in 2010-2011).The sources do not say which school districts participate in PEBP; many teachers' retiree coverage may come from their district instead.PEBP Plan Year 2027 Benefit Guide (in 'Instructions for Retiring Before Age 65', edited 1/2026), PDF pp. 27, 29, 34; PEBP, Eligibility for Retiree Benefits
What Nevada PERS does
Nevada PERS does not provide health insurance. You may elect deductions from your Nevada PERS check to continue group health and life insurance. Contact the plan's administrator. Pre-Retirement Guide (REV 1/25), p. 9, Deductions The same check can also have federal tax withheld (see taxes).
The state's PEBP program
The state Public Employees' Benefits Program (PEBP) covers retirees with 5+ years of service credit whose last employer participates in PEBP with its active employees, and who receive a Nevada PERS (or LRS, JRS, RPA, or employer long-term disability) benefit. Re-enroll within 60 days after the retirement date. A retiree or surviving spouse may reinstate coverage once. PEBP Plan Year 2027 Benefit Guide (in 'Instructions for Retiring Before Age 65' packet, edited 1/2026), PDF p. 27 (printed p. 23), Retiree Eligibility; PDF p. 34 (printed p. 30), Retiree Enrollment; PDF p. 29, Retiree Eligibility
The years-of-service subsidy
A Years of Service premium subsidy (or Exchange HRA) runs from 5 to a maximum of 20 years of service. Retirees first hired by their last employer Jan. 1, 2010 - Dec. 31, 2011 need 15 years unless disabled. Those first hired on or after Jan. 1, 2012 get no subsidy and pay the full unsubsidized rate. For non-State/local agency years to count, the last employer must be a current PEBP participating agency with a hire date before 2012. PEBP, Eligibility for Retiree Benefits (Retiree Eligibility for Benefits Rules); PEBP 'Instructions for Retiring Before Age 65' packet, Years of Service Form (PDF p. 4); PY2027 Benefit Guide, PDF pp. 23-24, 29
Does your school district take part?
PEBP's packet tells applicants to list county, city or school district years on the Years of Service form, but does not say which school districts participate in PEBP.
PEBP covers retirees only if their last employer takes part in PEBP for its own employees. The sources don't say which school districts do. Many districts may have their own retiree coverage instead.
What would settle it: PEBP's list of participating non-State agencies, or each school district's retiree health rules.
We don't show premiums: the sources we used don't give school district retiree rates. See also working after retirement, Social Security and the calculator.
Questions
Does Nevada PERS provide retiree health insurance?
No. Nevada PERS doesn't run a health plan. It can take premiums for continued group health and life insurance out of your monthly check.
Can a retired Nevada teacher join PEBP?
Only if your last employer takes part in the state's Public Employees' Benefits Program (PEBP) for its active employees, you have at least 5 years of service and you enroll in time. The sources we used don't say which school districts take part.
Source: Nevada PERS Summary Plan Description for Regular Members, REV 8/25 (law through the 2025 Legislature). Also: Nevada PERS Pre-Retirement Guide (REV 1/25) p. 9; PEBP retiree publications (Plan Year 2027). Last reviewed .