Best New Hampshire Health Insurance Plans

Businesses in New Hampshire are not legally required to offer health insurance unless they have 50 or more full-time employees. Under the Affordable Care Act (ACA), employers with 50+ employees must provide affordable health insurance or face penalties. However, many small businesses in New Hampshire still offer group health plans as an employee benefit.

Yes, New Hampshire Medicaid provides health insurance for low-income adults who meet eligibility criteria. The New Hampshire Granite Advantage Health Care Program extends Medicaid coverage to adults earning up to 138% of the federal poverty level (FPL). Low-income individuals and families may also qualify for health insurance subsidies through the ACA Marketplace, helping to lower monthly premiums.

Short-term health insurance is not available in New Hampshire. The state does not allow temporary health insurance plans, meaning residents must explore other coverage options. If you need health insurance outside of the Open Enrollment Period, you may qualify for a Special Enrollment Period (SEP) due to a qualifying life event, such as job loss or marriage.

Alternatively, you can check if you are eligible for Medicaid or ACA Marketplace plans through the AHiX Marketplace, which offers comprehensive coverage with potential subsidies to lower costs.

To compare New Hampshire health insurance plans, consider:

• Premiums vs. Deductibles: Lower premiums often mean higher deductibles and vice versa.
• Network Coverage: Ensure your doctors, hospitals, and specialists are in-network.
• Prescription Coverage: Check if your medications are covered.
• Subsidies: See if you qualify for financial assistance through the AHiX Marketplace.

As of 2025, New Hampshire does not have a state-level individual mandate. This means there is no penalty for being uninsured at the state level. However, going without health insurance could result in high medical costs if you need care.

Yes, self-employed individuals in New Hampshire can purchase individual health insurance plans through the AHiX Marketplace. If you qualify, you may receive premium tax credits or cost-sharing reductions to help lower your monthly premium and out-of-pocket expenses.

If your health insurance claim is denied:

• Review Denial Notice: Understand the reason for denial.
• Gather Documentation: Collect all relevant medical records and correspondence.
• Contact Insurer: Reach out to your insurance company’s customer service for clarification.
• File an Appeal: Submit a formal appeal as per your insurer’s guidelines.
• Seek External Review: If the internal appeal is unsuccessful, you can request an external review through the New Hampshire Insurance Department.

Yes! All ACA-compliant health insurance plans in New Hampshire must cover pre-existing conditions. Insurance companies cannot deny coverage or charge higher rates based on medical history.

When enrolling through the AHiX Marketplace, you can rest assured that your plan includes essential health benefits, such as preventive care, hospital visits, and prescription coverage.

You can only switch plans outside Open Enrollment if you have a qualifying life event that triggers a Special Enrollment Period (SEP). Events include:

• Losing employer coverage
• Getting married or divorced
• Having a baby or adopting a child
• Moving to a new coverage area

For help with switching plans, visit AHiX Marketplace.

Yes, low-income families in New Hampshire may qualify for Medicaid or CHIP (Children’s Health Insurance Program). Medicaid covers:

• Adults with household income up to 138% of the federal poverty level (FPL).
• Children in families with higher income limits under CHIP.

To check eligibility, visit the New Hampshire Medicaid website or AHiX Marketplace.