New Hampshire Health Insurance

Buy Affordable Health Insurance in New Hampshire

Best Health Insurance Plans New Hampshire

Looking for affordable and a best fit health insurance plan in New Hampshire, this brief guide will help you. As of now, there are three health insurance carriers offering 2019 individual health plans to the citizens and eligible candidates in New Hampshire. These plans are offered by the state’s marketplace and premiums, on average, are dropping.

Top Health Insurance plan in New Hampshire

  • Anthem Blue Cross and Blue Shield

    Anthem Catastrophic Pathway X Enhanced HMO 8550 0

    premium $145.06/mo

    Deductible $8550/yr

    Insurance Type HMO
    HSA Eligible No
  • Harvard Pilgrim Health Care

    ElevateHealth HMO Catastrophic

    premium $163.29/mo

    Deductible $8550/yr

    Insurance Type HMO
    HSA Eligible No
  • Ambetter from New Hampshire Healthy Families

    Ambetter Essential Care 10 (2021)

    premium $202.71/mo

    Deductible $7200/yr

    Insurance Type EPO
    HSA Eligible No
  • Ambetter from New Hampshire Healthy Families

    Ambetter Essential Care 2 HSA (2021)

    premium $214.64/mo

    Deductible $6900/yr

    Insurance Type EPO
    HSA Eligible Yes
  • Anthem Blue Cross and Blue Shield

    Anthem Bronze Pathway X Enhanced HMO 6500 40

    premium $215.29/mo

    Deductible $6500/yr

    Insurance Type HMO
    HSA Eligible No

Health insurance in New Hampshire: Salient Facts

In the state, insurance coverage is provided via a partnership exchange that processes enrollment through The last date for open insurance enrollment for 2019 coverage is December 15. However, the citizens with qualifying events can still enroll for.

If you’re looking forward to buy short term insurance plans, you can subscribe initial plan terms up to six months without any renewal. To date, three major insurance carriers are offering 2019 coverage in New Hampshire’s individual market. It’s recorded that approx. 50,000 New Hampshire residents enrolled in 2018 coverage through the state exchange.

New Hampshire’s Health Insurance Marketplace:

New Hampshire’s partnership exchange works in sync with for enrollments. As stated, the last date for open enrollment for 2019 coverage is December 15, but people with qualifying events can still apply for the open enrollments. Currently, Ambetter, Anthem, and Harvard Pilgrim are three renowned carriers offering 2019 individual health plans through New Hampshire’s exchange.

New Hampshire health ratings:

On State Health System Performance, New Hampshire was ranked 11th out of the 50 states. The state also raked in the top ten for two out of five measures that include Access & Affordability, and Prevention & Treatment.

New Hampshire Individual and Family Health Insurance Plans:

In New Hampshire, you can buy an attractive range of individual insurance plans for self-employed or those who don’t have insurance through their employer. These plans fit in your budget and are best suited for full-fledged health coverage.

1. Short Term Health Insurance:

In the New Hampshire you can buy a short term health insurance plan that lasts for up to 6 months duration. In case, if you have bought short term health insurance in New Hampshire for more than 540 days duration within a 2 year period, you can’t buy a short term plan further.

In the state, you can buy affordable short term health insurance plans top leading carriers. These plans are affordable and provide emergency benefits when you need them the most. These plans are best fit if you don’t want to subscribe regular medical care, such as frequent visits to the doctor or expensive prescriptions.

The downside of the short term health insurance plans is that they do not cover pre-existing medical conditions and skips major benefits that a standard coverage plan covers. This is why these plans are not for everyone. You may go for the plan, if you want limited coverage in affordable price. For long term coverage, you need to opt for plans with wider coverage.

2. Dental Insurance:

Dental insurance in the state is meant to offer citizens required coverage for common issues pertaining to dental health care. These plans are underwritten by Golden rule insurance company and designed to provide budget to pay off expenses for dental services. These expenses include the cost incurred on preventive, basic and major dental care services. For preventive care, the budget includes the cost for routine cleanings and fluoride treatments without any deductible or waiting periods.

Dental insurance plans in New Hampshire also offer coverage for basic services like fillings and major services like retainers and root canals. Moreover, these plans are backed by dental network hospitals in private and retail settings.

With New Hampshire Indemnity plans, you get access to a broader selection of dental care providers. This is quite bigger than the coverage what managed-care plans offer. Indemnity plan pays for covered services once beneficiary submits a bill. This means, the beneficiaries has to pay up the cost of the plan up front and then obtain reimbursement from the service provider.

Managed-care plans on the other hand has comprehensive and connected network of dental health care providers. Dental health care providers in the network offer services for patients at negotiated rates and then submit the claim to the dental insurance company on the behalf of the beneficiary.

3. Vision Insurance:

Vision insurance plans in the state are offered by Golden Rule Insurance Company. These plans offer coverage and budget for ongoing vision care expenses incurred on routine eye exams, prescription glasses and contact lenses. Vision insurance is available for people of all ages without any waiting period. The coverage is available through a nationwide network of vision service and eyewear providers.

Beneficiaries may also opt for coverage choices while buying the vision insurance. Coverage choices are Plan A for glasses or contacts and Plan B for both glasses and contacts.

Vision insurance is also offered as an optional Vision Benefit Rider to the dental insurance plan. The plan benefits the beneficiaries with routine eye exams, prescription glasses or contact lenses.

4. Term Life Insurance:

Term life insurance offers cash benefits to the beneficiary’s family if the bread winner of the family dies. Term life insurance policies in the state are underwritten by Golden Rule Insurance Company that also offers an optional Critical Illness Benefit. It pays cash pays cash benefits if the master of the family is diagnosed with qualifying illness or death.

Major benefits of term insurance include lump-sum benefit paid upon your death and a range of benefit levels and terms to choose from. For buying a term insurance plans, you needn’t to go through any medical examination and coverage is available until age 75.

Term life insurance pays cash benefits to the dependents of the deceased if he dies within the selected policy term. If you have also opted for the optional Critical Illness rider and receives a cash benefit, the benefit amount received from the Critical Illness rider is subtracted from the benefit amount you are supposed to get from your term life insurance policy.

FAQ on New Hampshire Health Insurance

New Hampshire residents are required to have at least minimum essential health insurance coverage to protect them at the time of sudden medical emergencies. However, the individual mandate that was earlier associated with the Affordable Care Act is no longer applicable starting from the year 2019. Thus, residents of the state though require to have health insurance but they are no longer required to pay the federal tax penalty for not having health insurance. Some of the states have though passed their own health insurance requirements but New Hampshire is not one of those states.
The Open enrollment period in New Hampshire for 2021 health insurance coverage will run from November 1, 2020, to December 15, 2020. This open enrollment period serves as an opportunity for the residents to get health coverage for themselves and their families if they don’t get coverage from their employer or if they are not eligible for a government-run program like Medicare, Medicaid, or CHIP. This enrollment window can also be used to make changes in their existing plan for the coming year. Only people with a qualifying even is applicable to enroll or make changes in their plans outside of the open enrollment window.
Yes, short-term plans are available in the state but New Hampshire has state regulations for short-term plans that have limited its duration to six months with no renewal option. Thus, enrollees of the short term plans need to enroll in a new short-term plan that will take effect after the end of the first short-term plan. This will be a completely new plan with a new deductible and out-of-pocket expenses.
The average cost of health insurance for a 40-year old in New Hampshire for the 2020 plan year is $383, which is a decrease of around 21% from the previous year.
After carefully analyzing all the health insurance plans on the New Hampshire marketplace, it was discovered that the Ambetter Balanced Care 11 is the cheapest health plan having a monthly premium of $390 for a 40-year old.
  • Their age • Whether they smoke or not
  • Where they live in Alabama
  • Whether they qualify for a subsidy or not
  • In New Hampshire, there are five metal-tiers from which residents can choose namely, Catastrophic, Bronze, expanded Bronze, Silver, and Gold metal-tier plan. The cheapest health insurance plan in each metal tier are:

    1. The cheapest Catastrophic health plan for a 40-year old is Anthem catastrophic Pathway X Enhanced HMO 8150 plan having a monthly premium of $203.
    2. The cheapest Bronze health plan for a 40-year old is Anthem Bronze Pathway X Enhanced HMO 6650 plan having a monthly premium of $303.
    3. The cheapest Expanded Bronze health plan for a 40-year old is Anthem catastrophic Pathway X Enhanced HMO 25 for HSA plan having a monthly premium of $325.
    4. The cheapest Silver health plan for a 40-year old is the Ambetter Balanced Care 11 plan having a monthly premium of $390.
    5. The cheapest Gold health plan for a 40-year old is the Ambetter Secure Care 5 plan having a monthly premium of $456.
    Three health insurance carriers are offering health insurance coverage in New Hampshire in 2020 and will continue to offer health plans in 2021 too. The three carriers operating in the state are:

  • Ambetter
  • Anthem
  • Harvard Pilgrim
  • Find a Right Affordable Plan For You