New Hampshire Health Insurance: 2021 Coverage Guide
If you live in New Hampshire and need to buy insurance, we’re here to help. You have several options for health insurance in your state, but it’s important to enroll during the Open Enrollment Period. You can only buy insurance outside this period if you have a qualifying event. It’s also a good idea to understand your coverages. You’ll learn more below.
When Is Open Enrollment in New Hampshire?
November 1, 2020 - December 15, 2020. Coverage begins January 2021.
How to Get Health Insurance in New Hampshire
We encourage health insurance shoppers to be wise when it comes to buying coverage. Don’t just look at the monthly premiums. Consider copays, coinsurance and any other out-of-pocket expenses that quickly add up to hundreds, even thousands of dollars. The trick is to buy the insurance plan that will cover the most if you frequently need services from health care providers. You’ll have an option of tiers to choose from. But first, gather all you can about the previous year’s health care expenses. See how many times you visited doctors, specialists and relevant health care facilities, like hospitals and therapeutic centers. You can estimate your costs for the next year based on this information.
Once you have your past year’s medical expenses outlined, begin comparing health insurance companies and health insurance quotes with SmartFinancial. After you submit our form you’ll get several competing health insurance rates to choose from, and we’ll connect you with an agent to answer your questions about the plans you’re considering.
What Types of Health Insurance Are Available in New Hampshire?
In New Hampshire, HMOs, EPOs, PPOs and POS plans are available, in addition to short term insurance plans.
Does Health Insurance Cover Pre-existing Conditions?
Yes, according to the Affordable Care Act, marketplace health plans cannot deny anyone health insurance coverage based on pre-existing conditions.
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Do I Qualify for a Special Enrollment Period?
Common reasons people qualify for a special enrollment period:
- Lose or quit a job or start a business. You may buy a health insurance plan outside the Open Enrollment Period if you lost a job or your new one doesn’t offer health insurance. If you started a new business, you also qualify to enroll during the Special Enrollment Period.
- Turn 26. Once you turn 26, you can buy your own individual health plan. But don’t wait too long or you may have to wait another year.
- Moved outside coverage zone. Some insurance policies are relegated to specific areas or states. If you move and lose coverage, you may enroll in a new health plan outside the Open Enrollment Period.
- Cobra coverage ended. If you extended your healthcare with Cobra and reached the deadline, you can enroll in a new health plan.
- Divorce. If you divorce a spouse and lose your health care coverage, you may enroll in a new health plan.
- Marriage. If you just got married, your spouse can add you to his/her policy (or vice versa) or you can start an entirely new one together.
- Birth or adoption. New parents can buy their child a new health insurance policy outside the Open Enrollment Period.
- Death of spouse or partner. Spouses and partners who lose their significant other can enroll in a new health plan outside the Open Enrollment Period.
- Spouse of partner loses coverage. If you previously had health insurance through a partner or spouse who lost his/her coverage for any qualifying reason, you are eligible to buy an individual plan or buy coverage with that spouse/partner again.
Is Health Insurance Required in New Hampshire?
No, only California, Massachusetts, New Jersey, Vermont, Rhode Island, and DC still require health insurance. Otherwise, there is a tax penalty. Even though it’s not required in every state, buying health insurance is necessary to avoid medical bankruptcy.
How Much Is Health Insurance in New Hampshire?
On average, health insurance in New Hampshire for a 40 year old is about $390 a month. Health insurance costs less the younger you are. Tobacco use increases health insurance rates.
How to Save on Health Insurance in New Hampshire
The best way to save on health insurance in Nebraska is to compare rates based on the tier system. Beforehand, you’ll want to estimate your medical costs
Medicare in New Hampshire
Medicare is health insurance coverage for Americans ages 65 years and older. The government also allows younger people with disabilities to enroll in the program. Individuals with End-Stage Renal Disease (a permanent kidney failure treated with dialysis or a transplant) can also sign up as can some individuals with severe mental health issues. Others who qualify for Medicare disability coverage are individuals with Amyotrophic Lateral Sclerosis (also called Lou Gehrig’s Disease). Most beneficiaries will receive Original Medicare (Parts A and B). Some people buy Medicare Advantage, which includes Part A and B as well as offering vision, dental and prescription drug coverage.
How Many People Are on Medicare in New Hampshire?
22% of the population in New Hampshire is on Medicare.
How Much Is Medicare in New Hampshire?
If you do not qualify for Medicare, you can buy it for $458 a month for Part A in 2020 and a standard monthly premium for Medicare Part B was $144.60 for 2020, or even higher depending on income. .
Original Medicare vs Medicare Advantage: What’s the Difference?
Medicare is a government subsidized health plan that is available to qualified Americans age 65 and older. Medicare Advantage is sold through private health insurance companies, but these policies are also regulated by the government. Medicare Advantage plans offer the same benefits as Medicare Parts A and B. Medicare Advantage plans also offer more coverage for dental, vision, hearing and prescription drugs. Medicare Advantage plans have a maximum out-of-pocket limit. For 2020, it was $6,700 but many plans set their maximums at a much lower cost. That is why it’s important to compare companies. People who opt for original Medicare can buy Medicare Supplements to help with out-of-pocket costs. You cannot buy both Medicare Advantage and Medicare Supplements. If you enroll in a Medicare Advantage Plan during open enrollment, you will automatically be disenrolled from original Medicare.
How to Get Medicare Coverage in New Hampshire
If you receive social security payments, you may automatically enroll in Medicare, but you may have to sign up if you do not receive payments. The easiest way to enroll in Medicare is by working with a trusted insurance agent to get the coverages you want. Just enter your zip code and answer a few simple questions.
Types of Medicare Plans Available
Original Medicare, Medicare Advantage, Medicare Cost Plans (only offered in certain areas), Demonstration/Pilot Programs (also called Research Studies; only offered in certain areas) and Programs of All-Inclusive Care for the Elderly (PACE).
How Do I Qualify for Medicare?
To qualify for Medicare you must be a citizen of the U.S. or have been a legal resident for at least five years. If you are age 65 or older and you/your spouse have worked for at least 10 years (40 quarters) or you have a disability, Amyotrophic Lateral Sclerosis (ALS) or end-stage renal disease (ESRD), you most likely qualify for Medicare.
How Can I Save on Medicare in New Hampshire?
You can save on Medicare by signing up for Part B as soon as you’re eligible. People who enroll late must pay a penalty every year. If you’re interested in buying Medicare Advantage, you can shop and compare Medicare plans for the best value.
New Hampshire State Health System Ranking
Ever wonder how your state stacks up when it comes to quality healthcare? The Commonwealth Fund published a report in 2020 on State Health System Performance. They took into consideration the access to quality care, health outcomes, and disparities in all 50 states. The scores for the New Hampshire Health System are listed below:
- New Hampshire: Overall Ranking: 11 of 51
- New Hampshire: Overall Performance: Below U.S. Average
- New Hampshire: Access and Affordability: 8
- New Hampshire: Prevention and Treatment: 5
- New Hampshire: Avoidable Hospital Use and Cost: 26
- New Hampshire: Healthy Lives: 14
- New Hampshire: Health Care Disparities: 38
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New Hampshire Health Insurance Coverage
The people of New Hampshire have different kinds of health insurance while some New Hampshire residents are not insured at all. See the breakdown below:
- Private coverage: 57%
- Medicaid: 14%
- Medicare: 22%
- Uninsured: 7%
Report: America's Health Insurance Plans
New Hampshire Health Insurance Companies
- Tufts Associated Health Maintenance Organization, Inc.
- Anthem Health Plans of New Hampshire, Inc.
- Matthew Thornton Health Plan
- Cigna Health and Life Insurance Company
- Harvard Pilgrim Health Care of New England (NH)
- Martin’s Point US Family Health Plan
- United HealthCare Services, Inc (NH)
- UnitedHealthcare Insurance Company (NH)
- Aetna Life Insurance Company
- Minuteman Health, Inc.
- Compass Rose Health Plan
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Choosing a higher deductible plan will help to lower your health insurance premium. So this is a smart financial move. As is keeping a small emergency fund to pay for medical expenses until you reach that deductible.
Behavioral health refers to mental health, psychiatric health, marriage and family counseling and addiction treatments. Is it covered by health insurance?
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It’s always a good idea to get acquainted with the way plans are set up and what you’re responsible to pay before open enrollment which takes place in late fall. If you have a qualifying event, like a new job or if you’ve moved, had a baby, gotten divorced or had any life change that affect your coverage, you may be able to buy a new health insurance plan today.
Like auto and homeowners insurance healthcare insurance also has a deductible which needs to be paid before insurance begins to cover expenses. However, healthcare deductibles work a little differently. For instance, your healthcare insurance will pay for some services even before you meet your deductible.
You may be shopping for health insurance because you got a new job, which doesn’t offer health insurance. Some people even prefer to have a health plan separate from their jobs. It’s usually a more expensive option to buy an individual health insurance policy when an employer offers to pay a portion of your premiums each month. However, some people prefer to choose their own insurance company and a plan that fits their needs.