New Hampshire Health Insurance

According to the Center for Disease Control, an average of 9.9% of New Hampshire residents went uninsured for New Hampshire health insurance each year from 2001 to 2003.

New Hampshire Health Insurance Regulations

Any New Hampshire resident who has health insurance through an employer cannot be limited or denied coverage under that health plan. New Hampshire residents looking for individual health insurance, however, can be turned down for health insurance coverage or have limited access once medical insurance coverage is granted. All New Hampshire residents, however, are guaranteed the right to renew any existing New Hampshire health insurance policy provided the individual has paid all premiums and has not provided false information. This is called guaranteed renewability.

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Pre-Existing Conditions

New Hampshire health insurance companies can impose pre-existing condition exclusion periods and elimination riders. In New Hampshire, any pre-existing condition is any condition for which the individual has received treatment, diagnosis, or medical advice within the three months prior to the beginning of coverage. The pre-existing condition exclusion period can exclude coverage for the medical condition for up to 9 months. Continuous health insurance coverage that has not broken for more than 63 days can be credited towards this exclusion time. New Hampshire health insurance companies can also impose elimination riders that can permanently exclude a medical condition from coverage for the duration of the policy.

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Pregnancy

Pregnancy can count as a pre-existing condition in New Hampshire. Individual New Hampshire medical insurance policies automatically cover newborns, adopted children, and dependent grandchildren for the first 31 days if the policy otherwise provides coverage for dependents. Policy changes may have to be made after the initial 31 day period. Disabled children can remain as dependents under the parent’s policy beyond the age limitation of dependents.

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Rates

New Hampshire health insurance rates can vary depending on the health, age, and tobacco use of an individual. These rates, however, are limited under New Hampshire health insurance law. Temporary health insurance is available under some companies in New Hampshire. Temporary health insurance can help cover time between jobs or policies.

Alternative New Hampshire Health Insurance Options

For individuals who are considered “uninsurable” or who may not otherwise be able to afford New Hampshire medical insurance, there are state programs that may help:

• New Hampshire Medicaid is available to qualified individuals who meet the eligibility criteria.
• New Hampshire High Risk Health Insurance Pool is called New Hampshire Health Plan and allows individuals who might otherwise be considered “uninsurable” to buy into group health insurance through the state. Pre-existing condition periods may apply.
• Health Kids is New Hampshire’s Children’s Health Insurance Program that is designed to provide health insurance for children up to 19 whose families do not qualify for Medicaid and who might not be able to afford health insurance.

New Hampshire Insurance Department

Insurance Department
21 South Fruit St. , Suite 14
Concord, NH 03301
Consumer Assistance: 800-852-3416
Consumer Fax: 603-271-0248
General Information: 603-271-2261
Main Office Fax: 603-271-1406

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For other New Hampshire Insurance Resources, See:

• New Hampshire Auto Insurance
• New Hampshire Home Insurance
• New Hampshire Health Insurance

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