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New Hampshire Health Insurance (NH)


Choose from the list below to learn more about specific health insurance providers in New Hampshire. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote.

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Health Insurance Providers in New Hampshire (NH)

Anthem Blue Cross and Blue Shield of New Hampshire
Assurant Health (formerly Fortis)
Celtic
Golden Rule

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Individual Health Insurance in New Hampshire (NH)

For individual health insurance policies, an insurance company is allowed to turn you down based on a health problem. With HIPAA eligibility, you can be turned down for individual insurance. For pre-existing conditions, the insurance company is allowed to review your medical history for the prior three months before coverage. If there is a problem, it can be excluded from coverage for a maximum of nine months. The insurance company can also amend the policy with an exclusion rider for a pre-existing condition. Companies can term pregnancy a pre-existing condition in New Hampshire. There are set limits for the cost of the individual policies and your insurance cannot be cancelled due to your illness.

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Group Health Insurance in New Hampshire (NH)

Group health plans are available to every qualified applicant in New Hampshire, no matter if there is a health problem and no matter if they enrolled late; they also cannot be charged more because of a health problem. Several life changes can affect your opportunities for group health coverage. New employers can wait to offer group coverage to new employees. The look back period, when insurance companies can review your medical history for pre-existing conditions, is three months for fully insured policies and six months for self-insured ones. Group health insurers can impose a limited exclusion period for pre-existing conditions. If you have had continuous coverage, with a lapse of no more than 63 days, you are entitled to creditable coverage toward your exclusion period.


Small Business Health Insurance in New Hampshire (NH)

Small businesses with one to 50 employees cannot have their applications for small group health insurance turned down. Although they cannot have insurance cancelled due to illness within the employee group, there can be increases in the policy costs due to serious illness.

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Self-Employed Health Insurance in New Hampshire (NH)

Self-employed individuals are allowed to buy small group health insurance. The New Hampshire Insurance Department should be consulted before joining business associations with group health coverage availability because regulations can be somewhat different.

New Hampshire Insurance Department
56 Old Suncook Road
Concord, NH 03301
(603) 271-2261
www.state.nh.us/insurance

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New Hampshire Programs (NH)

The New Hampshire Insurance Department reports there is help for residents who cannot get insurance through private companies and this assistance is provided through the New Hampshire Health Plan. HIPAA eligible people use the Health Plan for their insurance coverage. Medicaid, Healthy Kids, and Let No Woman Be Overlooked are programs available to low income residents.

Call Now For A Free Quote
877-601-8829

Quotes only - we do not have information about existing policies.
We cannot guarantee coverage for a specific carrier or coverage in a specific state

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