NH Health Insurance Companies for Families and Individuals

New Hampshire residents have several health insurance options to choose from.

Anthem Blue Cross and Blue Shield of New Hampshire offers individual and family plans with various deductibles and copays.

You can enroll in a plan through the Health Insurance Marketplace during the annual open enrollment period or during a qualifying life event.

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New Hampshire has a unique health insurance landscape, with a mix of state and federal regulations.

The state's individual market is relatively small, with only a few major carriers offering plans.

NH Health Plans, a non-profit health insurance cooperative, was launched in 2014 to provide more affordable options to residents.

The cooperative's plans are designed to be more comprehensive and affordable than traditional individual market plans.

In 2019, NH Health Plans reported a 25% increase in enrollment compared to the previous year.

Residents can enroll in individual market plans during the annual open enrollment period, which typically runs from November to December.

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Under the Affordable Care Act (ACA), private health insurance plans must offer a set of standardized essential benefits, which include ambulatory patient services, emergency services, hospitalization, and more.

These 10 essential benefits are the minimum requirements for all qualifying plans, and they cover a wide range of healthcare services.

Lifetime dollar limits on these essential health benefits have been eliminated, meaning that once you're covered, you won't have to worry about reaching a certain limit and being left with unexpected medical expenses.

New Hampshire takes it a step further by mandating additional benefits that go above and beyond the ACA's requirements. Some of these benefits include bariatric surgery for obesity treatment, bone marrow transplant testing, and coverage for clinical trials.

Here are some of the additional benefits mandated in New Hampshire:

Under the Affordable Care Act (ACA), private insurers must offer standardized essential benefits in their qualifying plans. These benefits are required by law to ensure that all Americans have access to essential healthcare services.

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The 10 standardized essential benefits include ambulatory patient services, emergency services, hospitalization, and more. For example, all qualifying plans must offer maternity and newborn care, mental health and substance use disorder services, and pediatric services, including oral and vision care.

Some of these essential benefits have specific requirements, such as 100% coverage for certain services, like preventive and wellness care for adults and children. Additionally, lifetime dollar limits on these essential health benefits have been eliminated.

Here are the 10 standardized essential benefits in a list format:

These essential benefits are designed to provide a minimum level of coverage for all Americans, regardless of their health status or income level.

In New Hampshire, there are additional mandated benefits that go beyond what's required by the Affordable Care Act (ACA). These benefits are required for private providers authorized to sell health insurance within the state.

Bariatric surgery is mandated for obesity and morbid obesity treatment for all fully insured plans. This means that if you have a fully insured plan, you're likely to have coverage for bariatric surgery.

Bone marrow transplant testing is also mandated for all fully insured plans. This is a significant benefit for individuals who may be at risk for certain blood disorders.

Some benefits are only required for certain types of plans, such as clinical trials, which are covered for qualified trials in group hospital and medical expense plans, excluding Medicare and CHIP.

Other benefits are mandated for specific conditions, like diabetes care management, which includes services and supplies for individual, group, and blanket plans, as well as HMOs.

Durable medical equipment, including artificial limb and scalp hair prostheses, is mandated for individual and group plans.

Reconstructive surgery following mastectomy is also mandated for all plans that cover mastectomy. This is an important benefit for individuals who have undergone mastectomy and need reconstructive surgery to restore their appearance and health.

Here are the additional mandated benefits in New Hampshire, summarized in a list:

You've got options when it comes to health insurance plans in New Hampshire. Anthem health plans offer coverage for doctor visits, hospital care, and mental health benefits, plus $0 virtual care and $0 preventive care.

Some plans are more budget-friendly than others. Silver plans have average monthly payments but a lower deductible than a Bronze plan, making them ideal for individuals and smaller families with average healthcare needs.

You can also explore options through SHOP, the Small Business Health Option Program, if you own a small business in New Hampshire. This can help you save on premium costs, with tax credits worth up to 50% of your premium costs available.

NH Healthy Families is another option for health insurance in New Hampshire, offering coverage to its members with various benefits and services, including pharmacy coverage and mental health support.

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If you own a small business in New Hampshire with 50 or fewer full-time-equivalent employees, you can purchase qualifying coverage for your employees through SHOP or a private broker or insurance agent.

You may qualify for tax credits worth up to 50% of your premium costs if you use SHOP.

Beginning in 2016, SHOP will be open to employers with up to 100 full-time-equivalent employees.

All employers with 50 or more full-time-equivalent employees must offer employees at least one plan that is ACA-compliant starting in 2015, or face fines of $2,000 per employee.

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NH Families offers a health insurance plan through NH Healthy Families. This plan provides coverage to its members, including pharmacy coverage, mental health support, and preventive care.

NH Healthy Families was founded in 2013 and is headquartered in Bedford, New Hampshire. They aim to ensure their members receive quality healthcare and access to essential resources.

NH Healthy Families has a headcount of 51-200 employees and can be found on LinkedIn.

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Anthem health plans in New Hampshire offer coverage for doctor visits, hospital care, and mental health benefits.

You can get $0 virtual care, 24/7, and $0 preventive care, which is a great perk for staying on top of your health.

Bronze health insurance plans are a good option for those who have few doctor visits and only need coverage for medical emergencies, with low monthly payments and a higher deductible.

These plans are ideal for individuals or couples who are relatively healthy and don't need a lot of medical care.

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Silver health insurance plans have average monthly payments but a lower deductible than a Bronze plan, making them a good option for individuals and smaller families with average healthcare needs.

If you qualify, Silver plans also offer cost-sharing reductions, which can make your healthcare more affordable.

9 out of 10 people can save on the cost of health coverage by exploring their options, so it's definitely worth taking a look.

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Gold plans have higher monthly payments, but they also offer lower deductibles compared to Silver plans.

They're ideal for individuals or families who need regular healthcare services, covering most routine healthcare costs.

If you have ongoing medical needs, a Gold plan might be a good choice, as it can help you save money in the long run.

These plans are designed to provide comprehensive coverage, making them a great option for people who visit the doctor frequently.

The deductible is the amount you pay each year before your plan starts to pay for covered services. This amount does not include costs for preventive services, which are covered regardless of the deductible when provided by a doctor in your plan's network.

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For example, if you have an Anthem plan, you'll be covered for annual physicals and preventive care visits with providers in your network, and these costs won't count towards your deductible.

The deductible is a key part of understanding how your insurance plan works, and it's essential to know what it is and how it affects your healthcare costs.

Anthem health plans include coverage for doctor visits, hospital care, and mental health benefits, plus other perks like $0 virtual care, 24/7, and $0 preventive care.

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On-exchange health insurance plans are available on healthcare.gov, also known as the Marketplace, and offer financial help to lower the cost of coverage.

You can shop and compare on-exchange plans directly on the Anthem website, just like you can on healthcare.gov.

Financial help is only available when you enroll in an on-exchange health plan, according to the Centers for Medicare & Medicaid Services.

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Off-exchange health insurance plans, on the other hand, are available directly through Anthem, outside of the exchange or marketplace.

These plans cover the same essential health benefits as on-exchange plans, so you can choose the one that best fits your needs and budget.

Our Health Plan Consultants can help you determine if you're eligible for financial help and find the best plan for you.

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Premiums and costs are a crucial part of understanding health insurance plans. Your premium is the amount you pay to your health insurance company each month for your health plan.

The amount you pay can vary based on several factors, including your age and whether you use tobacco. For example, if you're younger, you might pay less for your premium. On the other hand, if you're a smoker, you might pay more.

The cost of your premium can also be affected by where you live. The rating area you're in can influence how much you pay for your health insurance plan.

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You can get online health insurance quotes through HealthCare.gov, the federal exchange, which is also an option for self-employed individuals with no employees.

In New Hampshire, you can also purchase individual and family coverage from private insurers participating in HealthCare.gov until the state's own healthcare exchange opens.

New Hampshire residents can choose from health insurance plans offered to individuals and groups by private insurance companies.

If you're a New Hampshire resident, you may be entitled to certain state and federal programs such as Medicaid and COBRA.

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Your premium is the amount you pay each month to your health insurance company for your health plan. This cost can vary based on several factors.

Your age is one of the key factors that determine your premium. The older you are, the higher your premium is likely to be.

Tobacco use is another factor that can increase your premium. If you use tobacco, you can expect to pay more for your health insurance.

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Where you live can also impact your premium. The cost of living in your area, as determined by your rating area, can affect how much you pay for your health plan.

If you have a family, you'll need to pay for each member who enrolls with you. This can add to your premium costs.

Here are the factors that can affect your premium:

Insurance coverage and benefits can be complex, but understanding the basics can help you navigate the system. All qualifying health plans must offer 10 standardized essential benefits, including ambulatory patient services, emergency services, and mental health and substance use disorder services.

The Affordable Care Act (ACA) has eliminated lifetime dollar limits on these essential health benefits. This means that once you meet your deductible, your plan will pay for covered services without a cap on the total amount.

Your health insurance plan will also cover preventive care services, such as annual physicals and screenings, at no cost to you when you see a doctor in your plan's network. This includes checkups, screenings, and vaccines.

Some health insurance plans may offer additional benefits that exceed ACA requirements, such as bariatric surgery, bone marrow transplant testing, and off-label prescription drugs. New Hampshire, for example, mandates these benefits for private providers authorized to sell health insurance within the state.

Here are some key terms to understand:

Your Anthem health plan includes coverage for most generic and many brand-name prescription drugs. Some commonly-prescribed drugs are available starting as low as $0.

You'll pay a certain amount for medications, depending on the coverage tier or class of drug.

With Anthem plans, you have access to preventive care at no cost to you when you see a doctor in your plan's network. This includes checkups, screenings, and vaccines.

Preventive care is a key part of staying healthy, and with Anthem, you can catch problems early without incurring any additional costs. Your plan covers these services, giving you peace of mind and financial protection.

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You can use this benefit to schedule regular checkups, stay on top of screenings, and even get vaccinated against common illnesses. It's a great way to take proactive steps towards your health and well-being.

By taking advantage of this benefit, you can avoid unexpected medical expenses and stay healthy for years to come.

AmeriHealth Caritas New Hampshire is a healthcare company that provides health risk assessments, benefits, rewards, and extra benefits to eligible members through their CARE Card program.

Their website is amerihealthcaritasnh.com, and they're headquartered in Manchester, New Hampshire, United States.

Here are some key details about AmeriHealth Caritas New Hampshire:

Here's a rundown of the top 22 insurers you should consider:

State Farm has over 18,000 agents across the US, making it one of the largest insurance companies in the country.

Allstate offers a range of insurance products, including auto, home, and life insurance, with a focus on customer service and claims handling.

GEICO is known for its low-cost auto insurance, with rates up to 15% lower than the national average.

USAA is a top choice for military personnel and veterans, offering customized insurance products and exceptional customer service.

Progressive is a pioneer in usage-based insurance, offering discounts to drivers who demonstrate safe driving habits.

Liberty Mutual offers a wide range of insurance products, including auto, home, and life insurance, with a focus on providing personalized coverage.

Farmers Insurance has a strong presence in the western US, with over 900 agents serving customers in 41 states.

Nationwide offers a range of insurance products, including auto, home, and life insurance, with a focus on providing financial security to its customers.

Travelers offers a range of insurance products, including auto, home, and business insurance, with a focus on providing customized coverage.

Amica Mutual is a top choice for auto insurance, offering some of the lowest rates in the country and a reputation for excellent customer service.

Auto-Owners Insurance is a top choice for auto and home insurance, offering customized coverage and exceptional customer service.

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Erie Insurance offers a range of insurance products, including auto, home, and life insurance, with a focus on providing personalized coverage.

The Hartford offers a range of insurance products, including auto, home, and life insurance, with a focus on providing financial security to its customers.

Auto Club Group offers a range of insurance products, including auto, home, and life insurance, with a focus on providing customized coverage.

Shelter Insurance offers a range of insurance products, including auto, home, and life insurance, with a focus on providing personalized coverage.

Hartford Mutual has a strong presence in the northeastern US, with over 1,000 agents serving customers in 12 states.

US Fire Insurance offers a range of insurance products, including auto, home, and life insurance, with a focus on providing customized coverage.

Mutual of Omaha offers a range of insurance products, including auto, home, and life insurance, with a focus on providing financial security to its customers.

Amtrust Financial Services offers a range of insurance products, including auto, home, and business insurance, with a focus on providing customized coverage.

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State Auto Insurance offers a range of insurance products, including auto, home, and life insurance, with a focus on providing personalized coverage.

Kemper offers a range of insurance products, including auto, home, and life insurance, with a focus on providing financial security to its customers.

Zurich North America offers a range of insurance products, including auto, home, and business insurance, with a focus on providing customized coverage.

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Tufts Health Freedom Plan is a health plan provider focused on creating high-quality health plan options for New Hampshire businesses. They offer a range of plans to suit different needs and budgets.

One of their key goals is to provide high-quality health plan options, which is reflected in their focus on New Hampshire businesses. This shows a commitment to serving the local community.

If you're a business owner in New Hampshire, you may want to consider Tufts Health Freedom Plan as an option for your company's health insurance needs. They have experience in providing health plan options for businesses.

Tufts Health Freedom Plan is a reputable provider in the industry, and their focus on quality health plans makes them a strong contender for businesses looking for a reliable partner.

Access to quality care is crucial when choosing a health insurance plan. Anthem plans support your healthcare with a range of choices of doctors.

You can choose from a variety of care centers and hospitals to find the best fit for your needs.

Video visits with doctors or therapists are also available, allowing you to consult with a medical professional from the comfort of your own home.