I don't know about NV specifically, but in both PA and NM nothing requires you to buy insurance through the state marketplace, and some insurance companies oper

I don't know about NV specifically, but in both PA and NM nothing requires you to buy insurance through the state marketplace, and some insurance companies operate inside, outside or both. You can get back the subsidies that might have been prepaid for you via your tax return. The prices may or may not be as good, but hey, that's the free market for you!