Covering NH

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(800) 318-2596

Open Enrollment is closed for now

And for 2025 it runs from
November 1, 2024 to January 15, 2025

The NH Health Insurance Marketplace is here to help!

The ACA Open Enrollment Period for 2025 health insurance plans runs in most states from Nov. 1, 2024, to Jan. 15, 2025.

Still need health insurance?

You can enroll in or change plans if you have certain life events or income, or qualify for Medicaid or CHIP.

For consumers who have lost Medicaid or CHIP coverage, apply for Marketplace coverage right away! You may be able to get low-cost, quality health coverage through the Health Insurance Marketplace. All Marketplace plans cover things like prescription drugs, doctor visits, urgent care, hospital visits, and more.

A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.

Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the event to enroll in a plan. You can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time.

Job-based plans must provide a Special Enrollment Period of at least 30 days.

 

New Hampshire health insurance resources

The New Hampshire Insurance Department regulates insurance companies, agents, and brokers.

Covering New Hampshire provides assistance with purchasing insurance.

New Hampshire Medicaid program. 

New Hampshire State Health Insurance Assistance Program is a local resource for Medicare beneficiaries.

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New Hampshire offers free enrollment assistance through NH Navigator programs.

To contact an insurance navigator go to https://acanavigator.com/nh/home  or call 1-877-211-NAVI

Or https://www.hmcnh.com/ or call 1-603-309-2021

Lost a job, and need HEALTHCARE Coverage?

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The Affordable Care Act is here to help!

 
 

Need answers if you recently lost employer-covered health insurance coverage?

Health Insurance Marketplace (HealthCare.gov)

1. How do I know if I qualify for the Marketplace outside of the Open Enrollment Period?

  • HealthCare.gov has a Special Enrollment Periods (SEP) for people who have recently lost their employer-sponsored health insurance coverage. 

  • You can apply for coverage 60 days before you know your coverage will end and 60 days from the date you lost coverage. 

2. How do I apply for insurance on HealthCare.gov?

  • Visit HealthCare.gov to complete an application or call the Marketplace at 1-800-318-2596 (TTY: 1-855-889-4325). 

3. What types of health plans are available on HealthCare.gov?

  • Anthem, Ambetter by NH Healthy Families, and Harvard Pilgrim sell individual health plans on HealthCare.gov. 

  • There are different “metal levels” or tiers, depending on how much you are willing to spend each month on premiums versus how much you are willing to pay out of pocket for medical services. Learn more.

  • Take some time to do your research. Make sure that the plan you choose includes your preferred medical providers and prescription drugs. You can do this research on HealthCare.gov or through the NH Insurance Department’s website. 

4. Can I get help with enrolling in a plan? 

  • Yes, HealthCare.gov offers a "Find Local Help" tool that you can use to look up free help in your community, including enrollment assisters and insurance agents.

  • Free enrollment assistance is also available through a Federal Navigator by calling 1-877-211-NAVI or by visiting NH Navigator.

5. Is there financial assistance available to help me afford premiums? 

  • Yes, three-quarters of NH residents insured through the Marketplace qualified for financial assistance. There are two types of assistance available, depending on your income level:

    • Premium Tax Credits are available to offset premium costs, based on a sliding scale up to 400% of the Federal Poverty Level.

    • Cost Sharing Reductions lower the amount of out-of-pocket costs, such as deductibles, copayments, and coinsurance, a person or family must pay. These discounts are available for households with an income up to 250% FPL, but only for Silver level plans bought on HealthCare.gov. 

  • After completing an application on HealthCare.gov, you will learn how much assistance you qualify for, based on your tax household income. 

Health coverage is available for people who have recently been laid off or lost their employer sponsored health insurance benefits:

  • Granite Advantage Health Care Program:

    • Children’s Medical Assistance (ages 0-18)

    • Medicaid for pregnant women

    • Medically frail

  • Health Insurance Marketplace (HealthCare.gov)

  • COBRA/NH State Continuation

Granite Advantage/Medicaid (Low or No Income):
Medicaid Expansion coverage for no or low income people, ages 19-64. You can enroll in the Granite Advantage Program if you are low or no income and need health coverage. There are also Medicaid programs available for children, pregnant women, and the medically frail. 

COBRA & NH State Continuation
When your insurance coverage is terminated, your insurance company is required to notify you of your rights. If your employer had 20 or more employees, you can select COBRA or NH State Continuation. If your employer had fewer than 20 employees, you can select NH State Continuation. 

  • COBRA:

    • If your employer had 20 or more employees then you may be eligible for COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985) which allows you and your dependents to continue on the group health (medical and dental) benefit plan at the employer's full price, plus a 2% administrative fee. 

    • In the event that you lose your group health coverage (medical or dental) you may be eligible to continue your benefits for up to 18 months or longer with COBRA. The options available to you are based on whether you were insured under a:

      • Self-funded plan sponsored by your employer or

      • An insurance plan provided by your employer through an insurance company (also referred to as a fully-insured plan).

  • N.H. State Continuation

    • If your group health plan is a fully insured health insurance policy and you are a resident of N.H. then you may be eligible for NH State Continuation which allows for you and your dependents to continue on the group health (medical and dental) insurance plan at the employer's full price, plus a 2% administrative fee. This option is available to all sized employers who are fully-insured.

  • Find more resources on COBRA and NH State Continuation on the Insurance Department’s website. 

Need Help?

  • If you need help with Medicaid, call Medicaid Program Client Services at (800) 852-3345, ext. 4344 (TDD Access Relay (800) 735-2964). Hours are 8:00 A.M. – 4:30 P.M., Monday through Friday. 

  • If you need enrollment assistance, reach out to a Navigator, enrollment assister, or insurance agent through the Find Local Help tool on HealthCare.gov. 

  • Contact the NH Insurance Department with any other questions or concerns you may have at 1-800-852-3416 or by email at consumerservices@ins.nh.gov. 

 
 

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