CARSON CITY, Nev. (AP) — Nevadans have their homework cut out for them to prepare for implementation of federal health care reform and a requirement that everyone has health insurance beginning next year.

State officials Wednesday released approved rates for health insurance policies that will be offered on and off Nevada's health insurance exchange that begins enrollment Oct. 1 for coverage effective Jan. 1.

Four carriers are offering policies on the exchange for 2014. Coverage areas are broken into four regions — Clark and Nye counties; Washoe County; Carson City, Douglas, Lyon and Storey counties; and the rural areas encompassing Nevada's remaining 10 counties.

Only two carriers, Nevada Health Co-op and Anthem, are offering overall plans on the exchange in all four regions. The other carriers are Saint Mary's and Health Plan of Nevada, which exclude rural coverage.

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