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Information on Health Insurance Coverage in New Hampshire

Health Insurance Coverage in New Hampshire

In the summer of 2001, the Department of Health and Human Services, sponsored by a Health Resource and Service Administration grant, conducted the New Hampshire Family Insurance Survey, a telephone survey of New Hampshire residents under the age of 65 designed to understand health insurance coverage. This issue brief presents key initial findings. It is important to note that this data reflects almost ideal conditions: a booming economy, a labor shortage and moderate increases in health insurance costs. Since September 11th, the recession has taken hold and health care costs have risen dramatically. The picture today is probably much less optimistic than when the data was collected.

A strong public/private system contributes to high levels of insurance coverage in NH.

Ninety two percent of New Hampshire residents 64 or younger have insurance. This rate is higher than the national rate of 86 percent, and a tribute to the strength of the private insurance market, employer sponsored insurance and the state's commitment to children's health insurance through the Healthy Kids program.

85% of NH residents are covered through the private sector.

The national average for private health benefit coverage is only 72 percent. New Hampshire's high level of coverage is primarily due to the state's employers. Private employer based insurance covers 80 percent of New Hampshire's non-elderly population. An additional 5 percent of the residents receive coverage through individual insurance, COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985) and other sources.

An estimated 90,000 NH residents are uninsured.

Despite the high rate of coverage in New Hampshire, approximately 8 percent of New Hampshire residents under the age of 65 -- or roughly 90,000 individuals -- do not have health insurance coverage.