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Get Covered in New Hampshire

Explore a variety of plans available to individuals, self employed, and small business owners

Our site will help visitors compare health coverage in NH by providing the necessary information to visitors in order to make an informed decision.  Visitors will be able to compare coverage, view rates and get signed up right from this site! 

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Hello and welcome to our page! We are here to help you navigate the world of health insurance, and specifically plans and coverage available in New Hampshire for 2019. We understand this topic can be confusing, but we also know that this is significant investment that needs to be done right. It’s no secret that many people are paying far too much, or have no cocverage at all. We feel one big reason is that many people are not aware of more affordable options available to them. That is exactly why this website has been created. Our website will help consumers through the decision making process by making it easier to compare a variety of coverage options in one place.

Healthcare coverage is not, and should not be one size fits all. People’s healthcare needs differ, and the right healthcare coverage can depend on these factors that include, age, pre-existing conditions, family size, out-of-pocket expenses, doctor/hospitals, financial assistance, health status and more. Below we will help you explore options which you will probably know about, and coverage many do not know exists.  For example, have you heard of medical cost sharing or direct primary care doctors to help lower healthcare costs?

Remember we are here to help, if at any point you would like to connect, create request  by completing the contact form at the bottom of the page. In the message section you can, schedule a time to connect, request a proposal, or ask a general question.  In person appointments are also available by request. We respond quickly!

We invite you to use our website as your one stop resource to explore all your healthcare options available in New Hampshire and we hope to connect with you soon!

 

 

 

How To Use This Website

Looking for health coverage in New Hampshire is state specific just like every other state throughout the country. Our website is designed to help visitors look for those plans and company’s available in the Granite State. By navigating the links on the right one will be able to carefully read through helpful information about each way to get covered. Then from the links below navigate to each particular company’s plans to view rates or plan specific details. We guarantee the lowest rates available  on our site, and there will be NO fees added!

Individual Health Insurance NH

Also known as the “Market Place” or sometimes “ObamaCare”. Each state will either use Healthcare.gov or their specific state website to allow consumers to shop for health insurance plans. In New Hampshire, there are three companies that offer these types of plans, which are: Harvard Pilgrim, AM Better, and Anthem.

The number of plans offered is based on the county in which you live. For most counties in NH there are about 15 plans being offered by these three companies. The best way to shop or compare these plans is through the Healthcare.gov website. It’s important to keep in mind that working with an agent or purchasing these plans on your own will not change the cost of coverage. These rates are set and standardized regardless of how or where they are purchased. In other words, you CANNOT shop around for better rates. Health insurance rates between these 15 plans are only based on a few factors: zipcode, age, tobacco usage, and any financial assistance the applicant is eligible to receive.

*There are a couple of plans offered directly on Harvard Pilgrim’s website which are not available on Healthcare.gov.  These plans are more costly, but provide a larger network of doctors and hospitals that extends into Massachusetts.

When comparing these three companies in New Hampshire some common factors include: HMO Networks, typically in-state network only, ACA compliant plans, open enrollment Nov 1st-Dec 15th.

One can only sign up for coverage outside of the open enrollment dates if they have what is known as a “qualifying event“.

These health insurance plans are typically recommened for those in need of pre-existing condition coverage or if receiving financial assistance through what is known as an Advanced Premium Tax credit.

If you find the monthly cost and out-of-pocket costs are still too high, we recommend considering medical cost sharing as a way to significantly lower these costs

To find out of you are eligible for financial assistance or to apply follow the appropriate link.

Healthcare.gov

List Omni Insurance as your broker of record when completing your healthcare.gov application with the following information.

“NPN”-16688290

Anthem

Short Term Medical Plans NH

Short-term health insurance can provide a temporary solution to help fill gaps in coverage. Consider short-term if you are: between jobs, waiting for other coverage to begin, or waiting to be eligible for Medicare coverage. There are a variety of plans and companies to choose from and coverage will vary by state laws. Plans can be customized by deductible and coinsurance to fit any budget and need.

Unfortunately, in New Hampshire at this time there are no companies approved to offer short-term medical health insurance coverage. View Notice

As these are updated we will update our website with those approved options. 

Medical Cost Sharing NH

Also known by other names such as “HealthShare”, “Christian Ministry”, and “HealthShare Cost Sharing Ministry” programs. This type of health care coverage is offered and administered by non-profit organizations and NOT insurance companies. Designed for healthier individuals and families, coverage through a HealthShare will typically save members 40-60% in annual healthcare costs.

No open enrollment deadlines, enroll through out the year!

We find often this coverage is sought after by those who: are not receiving financial assistance (subsidy), live healthy lifestyles, do not use tobacco,  do not have pre-existing conditions in need of medical treatment, have no or minimal maintance medications, are in need of lowering out-of-pocket medical expenses, or are in need of lowering the cost of healthcare coverage.

The reasons to consider this coverage is obviousl. First, coverage can be customized to suit a members prefrences.  Also, there is a large national network of doctors and hospitals across 50 states. What is most attractive is that has a lower overall cost on a monthly basis and when you need to use coverage. Unlike traditional health insurance, medical cost sharing is universal and offered the same state by state.

Each particular HealthShare will function quite differently from one another and it is important to read through the “member guidelines” to understand those differences.

Navigate the “links” section below to explore plans designed for self-employed or small businesses. This seems to be a great fit for many small businesses throughout NH. You will also find a variety of companies designed for invididual coverage.

For individuals- Click on each link to create a quote and explore each company.

ZionHealth.org

Medi-Share

AlieraCare

Altrua

 

Small Business/Self-employed/1099 contractors

Step 1 choose a basehealth plan

Step 2 choose a medical cost sharing amount

Direct Primary Care NH

Here is a concept that so many are asking about and many do not know even exists. Are you tired of going to a primary care doctor who is stuck behind a computer screen while barely making eye contact? If so, this may be a solution for you to get a trusted relationship back with your provider.

Although these DPC’s will function differently from one practice to another, the concept is straight forward. Their patients pay a monthly subscription/fee and in return get direct access to the healthcare provider of their choice. Through most DPC’s, patients can use this service as often as needed, call for prescriptions, and most importantly have a trusted physician willing and able to spend the quality time needed with them. Many will have accesss to services such as discounted labs or imaging that are done outside the scope of their service. We have noticed that these DPC’s often times will offer services not typically rendered at primary care providers that include holistic, or naturopath medicine.

This solution, offered though DPC’s, although wonderful and much needed, is not the only piece of this health coverage puzzle. Patients do need to retain an aspect of catastrophic coverage beyond the affordable monthly cost of the DPC service. There are strategies recommended by a company called “Planstin” on this website to combine a health savings account with DPC coverage.  Typically it is recommded to retain a health insurance plan or a medical cost sharing plan in conjuction with DPC coverage. One will find that coverage with a DPC and medical cost sharing will be signficanly less in cost as it compares to health insurance coverage without any financial assistance.

These are independent practices and as stated previously they do have differnces. Use the links below to find some recommended local practices in New Hampshire.

Direct Primary Care

https://www.hearthsidefamilyhealth.com/

Recommended catastrophic coverage for indviduals:

https://zionhealth.org/

Recommended coverage for self-employed, small business, or 1099 contractors. Base Health

Group Health Insurance (Small Business)

Group Health Insurance can be one of the most confusing ways to shop for coverage. Most people incorrectly believe that purchasing health insurance as a group is going to be a lower cost solution verus individual health insurance. Unfortunately, this is only the case in certain instances for larger size company’s with 50+ employees.

Typically, what can be gained by offering a group health insurance plan vs individual coverage for a small business is, access to more plans, access to larger networks, and access to more health insurance company’s offering plans. Its important to keep in mind with larger doctor network, and for example PPO optioins comes a greater cost in coverage.

There are also other possible advantages to offering group coverage a small business such as, tax benefits and employee retention. These are all factor best discussed with a broker to see what is the best fit for your particular business.

Not every small business is able to offer a group health insurance plan. Qualfications include, at least one employee (non-family member), at least 50% participation from the group, and employers must pay at least 50% of ALL employees monthly premium. 

In NH the company’s offering group health insurance plans include, Anthem, Harvard Pilgrim, Aetna, United Health, and Tufts. There are also level-funded and self-funded company’s available, but for small company’s these are not usually a good fit.

There are also a series of Anthem (Matthew Thorton network) plans available through SHOP (Healthcare.gov).  Financial assistance is available to small business that use SHOP based on qualifications. Reach out to us for questions or a proposal.

 

 

 

 

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