New Hampshire Health Insurance
Affordable New Hampshire Health Coverage Options
Now is the time to look at your options for affordable health insurance in New Hampshire for next year. Wherever you and your family live, you face the uncertainties of an upcoming Presidential election and the challenges of the COVID-19 pandemic. New Hampshire is no different! Now, more than ever, it is important to select the BEST health insurance for your family and do not pay more than you have to.
Where can you turn to for independent expert advice? TrueCoverage provides helpful resources and guidance that help you to select the most affordable health insurance plan that meets your specific needs. Remember, the Open Enrollment Period starts November 1st and runs through December 15th.
Save any last-minute headaches and rushed decisions by selecting your New Hampshire Health Insurance coverage soon. The TrueCoverage team is here to help by providing a pre-registration service. Let us know what you need . We will contact you with a selection of health coverage packages tailored to you, your family, or your business.
Exploring Affordable Health Coverage in New Hampshire
You can look for cheap health insurance in New Hampshire. But as we all know, the policies with the lowest monthly payments (your insurance Premium) may not be your best option.
The REAL price of health coverage depends on many variables. Deductibles and copays increase costs and Tax relief on your premiums, state insurance subsidies and discounts on your medical supplies can LOWER your medical expenses. A premium might look high at first, but the total amount you spend on medical services could be much lower!
If you qualify for Medicare, you should explore the Medicare add-on plans. New Hampshire has many options. About 22% of the population has enrolled in Medicare, but of those, only 12% participate in a Medicare Advantage plan. Medicare Advantage and Medicare supplemental plans could save you a LOT of money.
10 Health Services Mandated for all ACA Compliant Plans
Before the Affordable Care Act, insurers could refuse to cover various health benefits, resulting in overwhelming debt for many.
The ACA fixed those loopholes and mandated that all ACA-qualifying plans include these coverages:
- Emergency services
- Prescription drugs
- Ambulatory patient services (hospital services that don’t need an overnight stay)
- Laboratory services
- Maternity and newborn care
- Pediatric services (for children), including dental and vision care
- Mental health and substance abuse services
- Preventive and wellness services, including chronic disease management
- Rehabilitative/habilitative services and devices
The Coronavirus Pandemic, COVID-19 Testing, and the FFCRA
COVID-19 is the hot topic health insurance issue in New Hampshire. If you lose your health insurance due to COVID-19 or your employer closed because of the Coronavirus, testing is available at no charge. The Families First Coronavirus Response Act (FFCRA) passed in March 2020, ensures that everyone can receive COVID-19 testing.
See our 5 top New Hampshire health insurance companies at the bottom of this page.
Key Details about Health Insurance in New Hampshire
- New Hampshire is a HealthCare.gov state operating a partnership exchange with the federal government; where ACA enrollment increased until 2016 and, although declining since, is still above 2014 levels
- New Hampshire also protects consumers from ‘surprise’ billing
- For more details, see our Blogs:
- Self-employed married couples in New Hampshire can buy ‘small group’ coverage to save money.
Despite these advantages, New Hampshire Health Insurance is more expensive than in many other states. So it is even more important to make sure you’re getting the best advice.
Exploring the Health Insurance Marketplace in New Hampshire
New Hampshire residents can sign up for health insurance using private insurance exchanges. These marketplaces offer more ACA-compliant plans than the state, which only deals with a handful of insurers.
As a private exchange, TrueCoverage is bound by the same rules as the New Hampshire exchange but has access to hundreds of insurers.
With Health Insurance Exchanges, you gain access to ancillary insurance options like:
- Accidental Death,
- Critical Illness,
- Medicare Advantage, Medicare Supplementals
Benefits of Working with a Health Insurance Broker
TrueCoverage is a Certified Direct Enrollment Partner of Healthcare.gov. We specialize in offering local knowledge and affordable New Hampshire health insurance solutions.
We offer more health insurance plans than any other resource in New Hampshire, and our unique technology quickly delivers the ‘BEST VALUE’ insurance policies that address your needs.
Like brokers in every state, TrueCoverage must operate without bias. Our job is to find you the best health insurance options, regardless of the insurance carrier. As brokers, we search for policies that best meet your needs. We also assist you throughout your contract. For example, if a dispute arose with your insurer, TrueCoverage steps in to help. If you benefit from a Special Enrollment Period, we’ll be there.
TrueCoverage is familiar with your state’s unique insurance rules, and we understand the New Hampshire health insurance options from the largest carriers, to the smaller specialty health insurers.
The Top 5 Health Insurance Companies in New Hampshire
Choosing from over 50,000 plans is daunting without independent, expert advice. That is where TrueCoverage shines. To help, we have identified the top five health insurance companies in New Hampshire.
These ratings, from The National Committee for Quality Assurance (NCQA), are based on Consumer Satisfaction, Preventive Care, and Medical treatment.
Learn about top Insurance carriers in New Hampshire
The Top 5 Health Insurers in New Hampshire are:
- Martin’s Point US Family Health Plan (NH, NY, PA, VT)
- Harvard Pilgrim Health Care of New England, Inc.
- Matthew Thornton Health Plan, Inc. (New Hampshire)
- United HealthCare Services, Inc. (New Hampshire)
- UnitedHealthcare Insurance Company (New Hampshire)
All ACA-compliant and Medicare plans have a star rating based on similar criteria.
Click below to learn more:
NOW is the best time to select your ACA Affordable New Hampshire health insurance, BEFORE Open Enrollment starts on November 1st, 2020.
Looking to find affordable health insurance?
Click on the button below to and connect with our agent to get insurance in 24 hours.
New Hampshire utilizes a federally facilitated (partnership) health insurance exchange. This Exchange has limited regulation of short term health insurance plans. While short term plans have their usefulness, they are NOT bound by the Affordable Care Act mandates and are NOT eligible for premium tax relief.
New Hampshire is not involved in the attempt to invalidate the ACA. The case is currently before the courts and any ruling probably will not affect your 2021 the health insurance plans.
Did You Know?
Named after the English county Hampshire by Captain John Mason (although he never left England to see it), the Granite State became the 9th state in 1788.
The first alarm clock was invented by Concord’s Levi Hutchins in 1787; a few years later in 1833, the first US public library was established in Peterborough, whilst back near Corcord in 1947, artificial rain was first used to fight a forest fire.