New Hampshire Health Insurance

Health Insurance Overview

New Hampshire residents have many options for health care coverage. There are numerous New Hampshire insurance providers to choose from, along with a variety of New Hampshire medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group New Hampshire health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable New Hampshire medical insurance from the best New Hampshire insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand New Hampshire health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public New Hampshire health insurance programs, and even details on some of the top New Hampshire insurance providers.

To compare specific New Hampshire medical insurance plans offered by the various New Hampshire insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your New Hampshire health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite New Hampshire health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of New Hampshire? Find your state here.

New Hampshire Health Insurance Facts & Statistics

Total New Hampshire Residents – 1,306,600

Total Health Insurance Coverage In New Hampshire:
Employer – 62%
Individual – 5%
Medicaid – 7%
Medicare – 14%
Other Public – 1%
Uninsured – 10%

Average Individual Monthly Premiums – $294

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 21%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,086

Average adjusted hospital cost per inpatient day – $1,980

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

New Hampshire Medical Insurance Laws, Regulations & Policies

There are several New Hampshire health insurance laws and regulations that are put in place to protect policyholders living in the state. New Hampshire insurance providers will consider a resident’s current health status and health history before accepting applications and setting premiums.

However, residents who are HIPAA-eligible have certain protections in the private health insurance market. Under this federal law, New Hampshire insurance providers are not allowed to refuse coverage for residents if they previously had insurance with a former employer’s group plan.

Even though New Hampshire insurance providers 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
  • Mammograms
  • Diabetes care
  • Certain bone marrow transplants
  • Care for pregnant women
  • Contraceptives

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.

New Hampshire Health Insurance Resources

Medical Assistance in New Hampshire

Eligibility requirements are outlined for the various programs available in New Hampshire. Visit the website.

New Hampshire Bureau of Maternal and Child Health

The Bureau of Maternal and Child Health strives to improve the availability of preventive and primary health care for all children and provide access to reproductive health care for all women and their partners regardless of their ability to pay. Visit the website.

New Hampshire Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Residents in New Hampshire with pre-existing conditions are able to get health insurance from the New Hampshire Health Plan (NHHP-Fed). This works similar to regular New Hampshire health insurance policies and requires enrollees to pay monthly premiums and out-of-pocket costs.

Enrollees in the New Hampshire program 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. Residents who are eligible for the plan will get access to 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 an existing medical 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.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

New Hampshire Medical Insurance and Health Care Programs

The state of New Hampshire offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid
    New Hampshire’s Medicaid program provides health insurance for some disabled and low-income residents. Medical services range from routine preventive medical care for children to care for the elderly and disabled. To find eligibility requirements and learn more about Medicaid in New Hampshire, visit online.
  • Healthy Kids
    Children who are uninsured may qualify for Healthy Kids, which is a part New Hampshire’s Medicaid program. Learn more about the New Hampshire medical insurance program, Healthy Kids, 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, she can receive full health benefits through Medicaid. For more information about this New Hampshire medical insurance program visit the website.
  • New Hampshire Medicare
    Seniors can find New Hampshire health insurance through Medicare Advantage, Medicare 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.

New Hampshire Insurance Providers

Anthem Blue Cross and Blue Shield of New Hampshire Health Insurance

Anthem BCBS is one of the largest insurance providers in the country. Together with WellPoint, they have over 34 million members nationwide.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

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.

Important Contacts and Links

New Hampshire Insurance Department and Department of Health and Human Services

Find the contact information for the New Hampshire health insurance and health and human services departments at:

New Hampshire Insurance Department
21 South Fruit Street, Suite 14
Concord, NH 03301
Phone: (603) 271-2261
http://www.nh.gov/insurance/

New Hampshire Department of Health and Human Services
105 Pleasant Street
Concord, NH 03301
Phone: (603) 271-8140
http://www.dhhs.state.nh.us/