New Hampshire Health Insurance
New Hampshire residents will find a lot of health insurance plans on the market as well as a multitude of insurance companies that offer them. When searching for a good insurance plan you’ll notice there may be several options to fit your health care and budget needs.
Compare the different insurance companies in New Hampshire and read about some insurance rules, regulations, and laws. There is also information on the type of financial assistance that New Hampshire provides as well as news on the various public health insurance programs which can be accessed.
If you don’t happen to reside in New Hampshire, search health insurance by state here.
The best way to find affordable health insurance coverage in New Hampshire is to compare a variety of plans and prices from several top insurance firms. You can do this by simply filling in the online form below.
Resources on this page
New Hampshire health insurance companies will consider a resident's current health status and health history before accepting applications and setting premiums.
But residents who are HIPAA-eligible have certain protections in the private health insurance market. Under this federal law, New Hampshire health insurance companies are not allowed to refuse coverage for residents if they previously had insurance with a former employer's group plan.
Even though New Hampshire health insurance companies aren't required to accept all applicants, all health plans must cover certain medical services under New Hampshire health insurance law. Those services include:
- Patient costs of some clinical trials
- Diabetes care
- Certain bone marrow transplants
- Care for pregnant women
New Hampshire health insurance law also requires "mental health parity," which means insurance companies must set coverage limits for mental health conditions equal to physical conditions.
There are different public New Hampshire health insurance programs that help low-income residents obtain health care coverage. They include:
New Hampshire's Medicaid program provides health insurance for some disabled and low-income residents. To find eligibility requirements and learn more about Medicaid in New Hampshire, visit them online.
- Healthy Kids
Children who are uninsured may qualify for Healthy Kids, which is a part New Hampshire's Medicaid program. To learn more about the New Hampshire health insurance program, Healthy Kids, find them online at http://www.nhhealthykids.com/.
- Let No Woman Be Overlooked
This program provides low-income women with free screening for breast and cervical cancer. If a woman is diagnosed with cancer through this program, they can receive full health benefits through Medicaid. For more information about this New Hampshire health insurance program visit their website.
- New Hampshire Medicare
Seniors can find New Hampshire health insurance through Medicare Advantage, Supplement and Original Medicare.
Trade workers and early retirees may qualify for a federal program called the Federal Health Coverage Tax credit, which pays for a portion of health plan premiums. To learn more, visit the Internal Revenue Service (IRS) online.
Residents in New Hampshire with pre-existing conditions will be able to get health insurance from the temporary high risk pools established by the Patient Protection and Affordable Care Act.
The New Hampshire Health Plan (NHHP-Fed) will run similar to regular New Hampshire health insurance policies. The plan will require enrollees to pay monthly premiums and out-of-pocket costs.
Enrollees in the New Hampshire program will pay around the same amount that people without medical conditions pay for health insurance. The estimated monthly costs for New Hampshire residents range from $283 to $1,691 a month -- smokers face the higher premiums. The plan includes a $1,000 deductible for in-network visits and $2,000 for out-of-network visits. There is also a $300 drug deductible.
Those eligible for the plan will have health insurance coverage for hospital and doctor visits, emergency services, prescription drugs and more.
Individuals may apply for the New Hampshire Health Plan if they are a United States citizen, have a pre-existing condition and have been without health insurance for six months.
For more information on the New Hampshire health insurance high risk pools visit http://www.nhhp.org/nhhp-fed/index.asp.
The following list of companies offer New Hampshire health insurance plans:
Anthem BCBS is one of the largest insurance providers in the country. Together with WellPoint, they have over 34 million members nationwide.
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
Find the contact information for the New Hampshire health insurance and health and human services departments at:
21 South Fruit Street, Suite 14
Concord, New Hampshire 03301
Phone: (603) 271-2261
105 Pleasant Street
Concord, New Hampshire 03301
Phone: (603) 271-8140