Health Insurance Carriers in New Hampshire (NH)

New Hampshire has a variety of health insurance regulations particular to the state. We have compiled many of them below for your convenience, as well as links to inform you of a few of the recommended options available to you.

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Health Insurance Providers in New Hampshire

Assurant Health (Formerly Fortis)
Blue Cross Blue Shield of New Hampshire
Celtic
Golden Rule

Group Health Insurance in New Hampshire

• Coverage at the same price is available to every eligible applicant in New Hampshire, despite health problems and late enrollment.
• Some life changes may provide more opportunities for group coverage.
• New employers may impose a wait period on new employees.
• The medical history review period for pre-existing conditions is three months long for fully insured policies and six months for self-insured plans.
• Group health providers can require an exclusion period for pre-existing conditions.
• If continuous coverage is maintained without a lapse of more than 63 days, creditable coverage is available.

Small Business Health Insurance in New Hampshire

• Small businesses with up to 50 employees may not be denied small group coverage.
• Coverage may not be cancelled because of illness within the employee group, though costs may be increased.

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Self-Employed Health Insurance in New Hampshire

• The self-employed may purchase small group health coverage.
• Consult the New Hampshire Insurance Department for rules concerning business associations with group health coverage availability.

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

Individual Health Insurance in New Hampshire

• Providers may deny coverage based on a health problem.
• Those who are HIPAA eligible may be denied individual insurance.
• For pre-existing conditions, providers may review medical history for the three months prior to coverage.
• If there is a pre-existing condition, coverage may be excluded for up to nine months.
• Providers may attach an exclusion rider for a pre-existing condition.
• Providers may classify pregnancy as a pre-existing condition.
• There are limits on the cost of individual policies and coverage cannot be cancelled due to sickness.

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New Hampshire Health Care Programs

• Assistance is provided for those who can not afford health care coverage through the New Hampshire Health Plan.
• Those who are HIPAA eligible may use the Health Plan for coverage.
• Medicaid, Healthy Kids, and Let No Woman Be Overlooked are available to low income individuals.

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