Covering NH

Open Enrollment for 2020 health plans starts November 1, 2019. Important dates to note: November 1, 2019: Open Enrollment starts — first day you can enroll, re-enroll, or change a 2020 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2020.

(800) 318-2596

Click Here To Check Out Insurance Plans and see if you Qualify

Covering New Hampshire is the official resource for Granite Staters to learn about the Health Insurance Marketplace and the affordable health insurance plans that are now available to you.
Check out plans, enroll or renew now.

All Marketplace plans cover essential health benefits, pre-existing conditions, and preventive care. This is true for all plan categories (all “metal levels,” including Catastrophic plans) and all plan types (like HMO and PPO). Starting on November 1, 2019, you can enroll in or renew a plan for 2020, so you can continue to get these benefits.

Not withstanding changes to the Affordable Healthcare Act, open enrollment for 2020 is happening. During open enrollment, you can enroll in a healthcare plan via the Affordable Healthcare Act as in past years. 2020 Open Enrollment Period runs from November 1, 2019 to December 15, 2019.

New Hampshire residents who get health insurance through the ACA will see a modest decrease in monthly premiums in 2020 under proposed rates. The New Hampshire Insurance Department says the proposed average premium for a benchmark individual plan in 2020 would be $440, or 2.5 % lower than 2019.

 

What

The Marketplace (www.HealthCare.gov) is your source for federally regulated and subsidized health insurance. If you have questions about or issues with using the Marketplace and obtaining coverage, please call the federal government at (800) 318-2596. (Once you have coverage, please contact the Insurance Department with questions or concerns, at 1-800-852-3416 or (603) 271-2261, or by email at consumerservices@ins.nh.gov.)

Who

Eligible participants can enroll in the insurance marketplace during the open enrollment period. For 2020 coverage, the enrollment period is Nov. 1, 2019 to Dec. 15, 2019. During this time, you can enroll in a Marketplace plan through www.HealthCare.gov. The only time you can enroll for insurance outside of the open enrollment period is if you qualify for a special enrollment period of 60 days following qualifying life events.  

 

How

We are committed to making sure Granite Staters have important information about the open enrollment period and the resources available to them to find and afford critical health care coverage. It is important that you sign up by December 15th, regardless of whether this is your first time getting covered or if you are returning to shop and save. Coverage could be cheaper than you think -- last year, 8 in 10 people qualified for financial help to make their monthly premiums more affordable and most people found plans available between $50 to $100 per month. Even if you had coverage through HealthCare.gov in the past, plans change so you should still update your information and double-check your network coverage for doctors and prescriptions, or see if you qualify for more cost-savings. 

Click Here To Find Local Help in New Hampshire

 

Health Insurance Plans:

In 2019, three insurance companies offered individual plans on the New Hampshire Marketplace: Anthem, Ambetter from NH Healthy Families, and Harvard Pilgrim Health Care.

For your coverage to begin on January 1, 2019, you will need to enroll by December 15, 2018. You can enroll in an individual insurance plan outside of the open enrollment period only if you qualify for a special enrollment period of 60 days following qualifying life events. You will need to pay your first premium by your insurance company’s due date before your 2019 coverage will take effect.

Federal Assistance Based on Income Levels Is Available for 2020:

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, or for no-cost or low- cost coverage under the New Hampshire Granite Advantage Program. All of these subsidies are available for 2019 plans, so long as you sign up during open enrollment.

When you complete an application on www.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.

What’s a Health Insurance Marketplace? Why do I need health insurance?

The new health care law sets up a Health Insurance Marketplace in each state, which is your one-stop shopping destination for health insurance. It works in the same way you would shop for any other important item in your life: You look at all the available options in your area, compare each plan’s features and prices side-by-side, then choose the one that fits your needs and your budget.

6 Key Facts About the New Health Insurance Options:

  • Financial help is available

  • Preventive care is free

  • Application help is available — and free

  • You can’t be turned down for coverage for a having a pre-existing condition

  • The costs and benefits of each plan must be explained in easy-to-understand language — with no fine print

  • All health insurance plans have to cover important benefits, like doctor visits, hospitalizations, prescriptions, and more

What Your New Insurance Gets You:

  • Doctor visits

  • Prescription coverage

  • Mental health services

  • Emergency services and hospitalizations

  • Maternity care

  • Infant care and children’s care

  • Free preventive care, such as:

    • Vaccinations

    • Cholesterol screening

    • Blood pressure screening

    • Colorectal cancer screening

    • Mammograms

    • Pap smears 

Information from www.getcovered.org

Click Here to compare individual plans by metal level category, services offered, and out-of-pocket expenses.

Click Here for a more detailed look at the networks available through the 2019 Marketplace.

Click Here for the Insurance Department website and find an enrollment assister to walk you through how to use the Marketplace or a licensed agent or broker who can help you select a plan.

Click Here for more information on the Granite Advantage Health Care Program is available from the NH Department of Health and Human Services.

© Covering New Hampshire 2019