Covering NH

Let's Get Covered New Hampshire!

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The Affordable Care Act (ACA) open enrollment period for 2025 ended on January 15, 2025.

But, you may still be able to enroll in or change plans if you qualify for a Special Enrollment Period.

Get coverage between January 16 and October 31 if you qualify for a Special Enrollment Period due to a life event or based on your income. You can apply for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP) at any time. https://www.healthcare.gov/quick-guide/dates-and-deadlines/

If you have questions about your coverage after enrolling, contact the New Hampshire Insurance Department at 1-800-852-3416, (603) 271-2261, or email consumerservices@ins.nh.gov.

Take advantage of ACA Open Enrollment to secure health coverage for 2025!

The Health Insurance Marketplace

2025 Open Enrollment is here.
You need health insurance, we can help!

IMPORTANT: 2025 Open Enrollment is now!

All New Hampshire residents can purchase health insurance through the federal marketplace during the 2025 open enrollment period, which runs until January 15, 2025.

For those eligible for financial assistance, you can receive support when enrolling through HealthCare.gov. All four insurance companies currently offering individual plans in New Hampshire—Anthem, Ambetter from NH Healthy Families, WellSense, and Harvard Pilgrim Health Care—will return for 2025. Premiums will vary based on plan design and included benefits. The premium subsidies remain in place, along with a three-year extension (2023-2025) of expanded eligibility under the Inflation Reduction Act.

Plans can also be purchased through insurance agents or directly from insurance companies, though these plans won’t offer the same price reductions as those available through the marketplace based on income and eligibility.

It’s important to note that you must pay your first premium by your insurance company’s deadline for your 2025 coverage to take effect.

If you're shopping for coverage on HealthCare.gov, it’s recommended that you update your application and compare plan options. Whether you’re currently uninsured, unhappy with your existing plan, or seeking a more affordable option, the Health Insurance Marketplace offers various coverage choices to fit your budget.

Navigators are available in New Hampshire to help you choose the best plan for you and your family at no cost. Even if you plan to renew your current coverage, Navigators can ensure you receive all available cost-saving subsidies made possible through recent federal legislation.

Enrollment assistance is available for free at:

And if you are a small business owner who has questions about offering health care coverage, please visit https://www.healthcare.gov/small-businesses/learn-more/how-aca-affects-businesses/ to learn more. 

What Kinds of Plans Are Available?

The Health Insurance Marketplace offers a variety of plans to pick from. You have the option to pick a Bronze Plan, Silver Plan or Gold Plan. Plans in each category pay different amounts of the total costs of your healthcare. For instance, you may pay 40% of the cost if you go with the Bronze plan, 30% with Silver, and 20% with Gold. Co-pay and deductibles may apply.

What to Consider When Choosing a Plan

If you expect a lot of doctor visits or need regular prescriptions, you may want a low deductible Silver or Gold plan. These plans generally have higher monthly premiums but pay more of your costs when you need care.

If you don’t expect to use regular medical services and don’t take regular prescriptions:

You may want a Silver or Bronze plan. These plans cost you less per month, but pay less of your costs when you need care. Make sure you look at all the costs that come with having health insurance. Be familiar with the plan’s monthly premium (how much you pay each month), deductible (the amount you pay before your insurance begins to pay), and co-pays (a dollar amount you pay for a medical service). It is important to consider all of these costs when choosing a health plan. The plan that is the least expensive every month may not necessarily be the best option for you and your family.

5 Facts you need to know:

1. Open enrollment on the Health Insurance Marketplace lasts until December 15 on HealthCare.gov. Beat the rush and sign up early.

2. No matter if this is your first time getting covered or you are returning to shop and save, you must take action by December 15.

3. Those who choose to go without health insurance may have to pay a penalty.

4. Coverage could be more affordable than you think - and there is a possibility to receive financial help. Last year, 8 in 10 people qualified for financial help - for most people, that meant they could find premiums between $50 and $100 per month.

5. 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 click here to get local help.

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