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New Hampshire Health Insurance
	Enter Zip Code: Individual & Family Small Business Group Medicare

New Hampshire Health Insurance Companies
Golden Rule
Learn more about each health insurance carrier in NewHampshire and their respective insurance plans - NewHampshireHealth Insurance Plans.
Learn more about each insurance carrier here: Aetna, Anthem, Anthem, Assurant, Celtic, Mutual of Omaha, Tonik, Unicare, Unicare Area A
Click here to view sample quotes for New Hampshire
Compare health insurance quotes from nearby states: Pennsylvania Health Insurance, New Jersey Health Insurance
New Hampshire Individual Health Insurance Market
With the cost of health insurance increasing 10% per year and the number of uninsured reaching approximately 13% of the New Hampshire population according to www.statehealthfacts.org, it is essential for you to find the best fitting and most affordable health insurance plan. In New Hampshire, your health insurance options are somewhat dependent on your health status. Medical underwriting, allowed in New Hampshire, is the process a health insurance company goes through to assess the health status of individuals and use such information to determine if the insurance company wants to accept an application. Regarding pre-existing conditions, New Hampshire health insurance companies can review your medical history for the last three months before coverage begins. If a pre-existing condition does exist, the health insurance coverage can be excluded for up to nine months. New Hampshire offers a high risk pool called the New Hampshire Health Plan. You may be eligible for this pool through your HIPAA rights. You may also be eligible if you are a New Hampshire resident and you have been denied health insurance coverage by a company, have been offered coverage at a rate higher than that of the pool, have been offered coverage with exclusions, have a medical condition that is listed on the application, are a dependent of someone already in the pool, or are eligible for TAA (Trade Adjustment Assistance) or PBGC (Pension Benefit Guaranty Corporation) assistance. You can read more about the New Hampshire Health Plan and New Hampshire health insurance at http://www.nhhealthplan.org/. Coverage under this high risk pool health plan includes the following: doctor visits prescription drugs outpatient and in-hospital care maternity ambulance labs and x-rays skilled nursing care rehabilitation home health visits transplants hospice durable medical equipment mental health and substance abuse physical, speech and occupational therapy.
New Hampshire Group & Small Business (2-50 Employees) Health Insurance
In New Hampshire, coverage under your group health plan cannot be denied or limited, nor can you be required to pay more because of your health status. Medical underwriting is allowed with plus or minus 25% based on age, industry, health status, and geography. Similar to New Hampshire individual health insurance, companies can review your medical history for the past three months previous to coverage and coverage can be excluded for up to nine months based on any pre-existing conditions. The average monthly premium for group and small business health insurance in New Hampshire in 2006 was $377 for single coverage, but can depend on employer contribution and $989 for family coverage according to AHIP, The Center for Policy and Research. http://www.ahipresearch.org/pdfs/FINALSmallGroupPaper.pdf In New Hampshire there are some factors that determine eligibility for group and small business health insurance. They include: - Company size 2-50 or 50+ employees - Two employees must be present for the half of the preceding calendar quarter and work 20 hrs/week for coverage - Owner can count as an employee - Twice annually, self-employed persons can be a small group health plan with guarantee issue - Proprietor-name on license must draw wages Taken from www.coverageforall.org/
New Hampshire COBRA Health Coverage
If you leave your job, you may be able to remain in your old group health plan for a certain length of time. New Hampshire offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost due, for example, to job loss, reduction in hours worked, death, or divorce.
Medicaid in New Hampshire
If you have low or modest household income, you may be eligible for free or subsidized health insurance coverage for yourself or members of your family. The New Hampshire Medicaid program offers free health insurance coverage for pregnant women, families with children, elderly and disabled individuals with very low incomes. Income requirements Children Children (ages 1-5)-185% of the Federal Poverty Level Children (Ages 6-19)-185% of the Federal Poverty Level Pregnant Women and Infants Pregnant Women-185% of the Federal Poverty Level Infants (ages 0-1)-300% of the Federal Poverty Level Parents Non-Working Parents-48% of the Federal Poverty Level Working Parents-60% of the Federal Poverty Level Other populations Medically Needy Individual- 76% of the Federal Poverty Level Medically Needy Couple- 70% of the Federal Poverty Level Supplemental Security Income Recipients- 76% of the Federal Poverty Level Covered Services Hospital outpatient, rural health clinic, federally qualified health centers, laboratory and x-ray, nursing home, physician services, dental, early periodic screening diagnosis and treatment, family planning, clinic services, prescription drugs, case management, medical transportation, nurse midwife, extended services for pregnant women, and ambulatory prenatal care. Co-Payments Co-payments vary. There are no co-payments if you are under 18, pregnant, living in a nursing home, or receiving family planning services. You may learn more about Mew Hampshire Medicaid at http://www.dhhs.state.nh.us/DHHS/MEDICAIDPROGRAM/default.htm.
Other New Hampshire Health Insurance Programs
New Hampshire offers the Healthy Kids program to children up to the age of 19 who are residents of New Hampshire, U.S. citizens, refugees, or permanent residents, and whose family income is up to 400% of the Federal Poverty Level. Please visit the Healthy Kids website for more detailed information at http://www.nhhealthykids.com/.