Find In Person Help
Subsidies are based on income, and through 2025, there is no longer a cutoff at 400% of the Federal Poverty Level (FPL). Eligibility for subsidies also depends on whether you have access to employer-sponsored insurance or Medicaid.
You don’t need to be a U.S. citizen to qualify for subsidies, but you must have legal residency status in the U.S.
People aged 65 and older can also qualify for subsidies if they’re not eligible for premium-free Medicare Part A.
Subsidy eligibility has been temporarily expanded under the American Rescue Plan, offering more affordable coverage options.
The types of assistance offered under the Affordable Care Act are:
Each assistance type has different eligibility requirements based on income as a percentage of the federal poverty level.
AssiStance:
ACA Navigator is a grant-funded program that provides free health coverage enrollment assistance to people who are uninsured. Our certified Navigators help consumers enroll in qualified health plans through the Health Insurance Marketplace or, if eligible, Medicaid. We also help determine eligibility for health coverage and financial assistance for health coverage. This program is operated by First Choice Services and is funded by a grant from the Center for Medicare and Medicaid Services, a division of the United States Department of Health and Human Services. 1-877-211-NAVI
The Foundation for Healthy Communities (FHC) was awarded a 5-year grant to assist consumers across the state with enrollment in the federal Marketplace, Medicaid, and the Children’s Health Insurance Program (CHIP). To speak with a Navigator and get covered, call 1-877-211-NAVI or visit https://acanavigator.com/nh/home
First Choice Services is a free, non-profit program available to all NH state residents. They offer free enrollment assistance. If you have questions or need assistance contact them today. 1-877-211-NAVI or at https://acanavigator.com/nh/contact
If you want to receive federal financial assistance to pay for a plan, you will need to enroll through the Marketplace (HealthCare.gov). An insurance agent or enrollment assister can help you with this process. If you are enrolled in Marketplace coverage for 2022, you will receive renewal information from your insurance company and the Marketplace. Even if you liked your plan for 2021, it is important to update your application and look at your options for 2022 because plan benefits and networks change from year to year.
Depending on your income level, you may qualify for financial assistance for paying premiums and/or out-of-pocket costs for a health insurance plan bought through the Marketplace. All of these subsidies are available for 2025 plans, as long as you sign up during open enrollment.
When you complete an application on HealthCare.gov, you will be prompted to enter your “tax household” size and financial information. After completing the application, you will be notified if you qualify for financial assistance for a Marketplace plan or for coverage through the New Hampshire Granite Advantage Program.
Insurance Brokers
In addition to in-person assisters, there are many certified insurance agents and brokers across the state who can assist you in signing up for a Marketplace insurance plan.
Other Resources
In addition to Covering New Hampshire, there are many state and federal resources available to you as you’re reviewing your health insurance options.
The Health Insurance Marketplace offers options for people to get health insurance who can’t get it through a job, Medicare, Medicaid or another qualifying source. The Marketplace has a variety of private health insurance policies you can pick from. What you pay depends on your income. Most people will qualify for a new monthly tax credit (Advanced Premium Tax Credit) that will lower your monthly payments right away. Also, some people will qualify for help paying their co-pays and deductibles. Eight out of ten people will qualify for immediate savings to help pay their monthly premiums.
Healthcare.gov: The online portal to the Health Insurance Marketplace. Here, you can enroll online in a plan through the Marketplace.
Free help is available. If you have questions about signing up or want to talk through your options with a trained professional, free help is just a call or click away. Call 1-800-318-2596 or visit http:// localhelp.healthcare.gov.
Apply by Phone: 1-800-318-2596 (TTY: 1-855-889-4325)
Available 24 hours a day, 7 days a week (except holidays)
New Hampshire Insurance Department: The department of the state government responsible for regulating the insurance industry in New Hampshire. The New Hampshire Insurance Department’s mission is to promote and protect the public good by ensuring the existence of a safe and competitive insurance marketplace through the development and enforcement of the insurance laws of the State of New Hampshire. Contact them with any questions or concerns you may have regarding your insurance coverage at 1‐800‐ 852‐3416 or (603) 271‐2261, or by email at consumerservices@ins.nh.gov. For more information, visit www.nh.gov/insurance.
Insurance Department Consumer Hotline: 1-800-852-3416
New Hampshire Department of Health and Human Services: The department of the state government responsible for the health, safety and well being of Granite Staters.
NH HealthCost: HealthCost was developed by the New Hampshire Insurance Department to improve the price transparency of health care services in New Hampshire.
DACA Recipients, You Can Now Get Affordable Health Coverage—Here’s How to Enroll!
A recent federal rule has eliminated the barrier for Deferred Action for Childhood Arrivals (DACA) recipients to access to affordable, quality health care coverage. Starting November 1, 2024, DACA recipients may be eligible to enroll in a health plan through the Health Insurance Marketplace®1 or State-based Marketplaces, where they may qualify for financial assistance to help lower their monthly payments and reduce out-of-pocket costs like co-pays and deductibles, making health care more affordable. Additionally, beginning November 1, 2024, DACA recipients may be eligible to enroll in health coverage through the Basic Health Program (BHP), which is a coverage option for low-income individuals in Minnesota and Oregon.
This new rule is projected to help approximately 100,000 previously uninsured DACA recipients enroll in Marketplace coverage. To take advantage of this new opportunity, eligible DACA recipients can enroll through the Marketplace during a Special Enrollment Period, starting November 1, 2024. If you select a plan by November 30, 2024, your coverage will begin on December 1, 2024. You can apply for coverage through January 15, 2025.
Steps to Enroll:
• Visit the Marketplace: Go to HealthCare.gov, CuidadodeSalud.gov, or your state's Marketplace w ebsite.
• Create an Account: If you haven’t already, you’ll need to create an account to start your application.
• Complete Your Application: During the application process, you’ll be asked for information about your household income, household size, and immigration status. The Marketplace will not collect identifying information for household members who are not seeking health coverage. Follow on-screen guidance for attesting to questions about eligible immigration status.
• Review Your Options: Once your application is processed, you’ll be able to see available health plans and financial assistance that you may qualify for to help lower the cost of your health plan.
• Choose a Plan: Compare plans based on coverage, cost, and your health care needs. Select your Marketplace plan by January 15, 2025, to ensure you don’t miss out on coverage.
Get Help
If you have questions or need assistance with your application, there are resources available to help:
1. You can reach out to local navigators, other assisters, agents, brokers, or community organizations that offer free help with the Marketplace application process. To find local help in your community, go to HealthCare.gov/find-local-help to search the online directory and set up a time to talk in person, over the phone, or by email. You can filter results based on preferences and services provided, including language capabilities.
2. You can call the Marketplace Call Center at 1-800-318- 2596 (TTY is 1-855-889-4325) to fill out an application and enroll in a Marketplace plan. Free help is available 24 hours a day/7 days a week, and assistance is available in 200 languages.
3. You can also find guidance at HealthCare.gov/apply-and-enroll/get-help-applying or your state’s health insurance website.
Don’t Wait—Enroll Today
This new federal rule for DACA recipients increases access to affordable health care coverage that can help protect their health and financial well-being. Make sure they take action and select a Marketplace plan by January 15, 2025, to secure the coverage they need. Your enrollment dates may vary if you live in a state with a State-based Marketplace. Please visit your state website for more information.
For more information or to start your application, visit HealthCare.gov or CuidadodeSalud.gov today!