New Hampshire Health InsuranceIndividuals and Families
New Hampshire Health Insurance
How to find an affordable plan.
Our goal is to provide New Hampshire residents with the information they need to make the right health insurance decision. By evaluating your budget and your needs, you will be able to enroll in the policy that is right for you. It’s important that you not wait too long to make your decision and get your policy. Each day that you are uninsured you expose yourself, and your bank account, to tremendous risk. We’re here to help. Health Insurance Online will not only make you a more informed consumer, we will also help connect you with an insurance carrier in New Hampshire that will provide the coverage you need. Some customers will enroll directly through a health insurance carrier, while others will go through brokers or agents. Regardless of the path you follow, it is important that you understand exactly what is, and what is not, covered before you enroll.
Leading New Hampshire Health Insurance Companies
Your Options for Health Insurance Coverage
Many factors will go into your search for the perfect health insurance plan. It's easy to become overwhelmed by all of your options for coverage, but the list below should help you pick through the tougher aspects and make some decisions.
- Group Insurance: Group insurance is a less expensive option for individuals who have employers that sponsor the plan. Generally, the employers will pay a portion of the premium which helps to subsidize your portion of the premium. Additionally, group insurance is underwritten based on the experience of similar groups rather than on the health history of you as an individual. If you have chronic health conditions that make you uninsurable, this could work in your best interests. If you leave the group, you will have access to COBRA which gives you continued coverage for a limited time after you leave the group.
- Individual Insurance: Individual insurance is a great option, especially for those who are in good health and are free of pre-existing conditions. Individual policies can also include riders so that you can cover your spouse and children on the plan. Individual insurance is underwritten based on your individual health. Your hobbies and vocation will also be considered. You may be charged additional premiums if you present a higher risk to your insurer.
- PPO versus HMO: Preferred Provider Organizations (PPO) and Health Maintenance Organizations (HMO) are slightly different ways that insurance companies pay for your treatment. With an HMO, you are restricted to visiting in-network physicians and clinics in order to be covered by insurance benefits. When you are covered under a PPO, you can get full benefits when you visit in-network physicians and clinics, and partial coverage when you visit those who are out-of-network.
- Major Medical Insurance: Major medical insurance is a good choice for people who are not concerned with pre-existing conditions or routine physician visits. Major medical policies cover only accidents and unexpected illnesses or injuries. Hospital stays, certain medical procedures, and emergency care are generally covered by a major medical insurance policy.
- Medigap: If you over the age of 65, then you are covered by Medicare. Medicare doesn’t cover everything you may need or want, and that’s where Medigap insurance comes in. Whether it’s acupuncture, medically related travel or massage therapy, Medigap can cover expenses that Medicare doesn’t.
- Health Savings Account (HSA): HSA’s are like savings accounts. Funds go into the HSA pre-tax, offering a tax benefit to those who have them. The funds can then be used to pay for certain medical expenses like copays, prescription costs and more. HSA’s combined with high deductible insurance policies and major medical policies can offer extremely powerful and flexible coverage.
- New Hampshire High Risk Pool: The New Hampshire Health Plan (NHHP) is a state subsidized insurance pool for high risk individuals who have been turned down for coverage and who do not have access to group insurance. New Hampshire also has a low premium subsidy program for those who are unable to afford standard NHHP rates.
Resources and information
New Hampshire Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
New Hampshire Doctor Directory
Doctors practicing medicine in the State of New Hampshire are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.