New Hampshire Health Insurance

The crisp country air and the smell of the ocean help keep New Hampshire’s residents healthy, but they can’t go without necessary health insurance coverage for regular checkups and other treatment. To help readers better understand how their health insurance works, we’ve put together a number of resources and informational graphs below. Read on to learn more about health insurance in New Hampshire.

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Stats in Your State

Visualizing how your premiums relate to your neighbors is near impossible without any hard data, so we’ve put together a comparison of health insurance costs in New Hampshire and the rest of the region to help readers get a better idea of how their policy stacks up against others. Also listed are uninsured residents and other demographics.

Chip Medicaid

Over 100,000 New Hampshire children are enrolled in government-run health care programs. Roughly 90,000 children in 2009 and 2010 benefited from Medicaid programs, and roughly 10,000 were enrolled in the state’s CHIP plan.

Individual Health Insurance Premiums

The average cost of health insurance in New Hampshire for single-payer employer-based plans is roughly average for the New England region, but still higher than the national average. New Hampshire’s industrial decline has led to more emphasis on the tourism industry, with some tourist guide and service jobs presenting higher premiums than their industrial counterparts.

Family Health Insurance Premiums

The monthly premiums for family health insurance plans in New Hampshire are roughly average compared to its New England neighbors, yet significantly higher than the U.S. average. A significant number of families must go without health insurance due to the high costs of premiums.

SAHIE Health Insurance Uninsured

Between 2005 and 2010, roughly 140,000 New Hampshire residents went without health insurance on a yearly basis, or nearly 1 in 10. This number underlines a disturbing trend of residents going without necessary health care, and a need for affordable care available to the general public.

Rules in Your State

While the insurance industry is heavily regulated in terms of its investments, financial backing, and corporate structures, there are relatively few statutes relating to consumer rights and claims practices. Below you’ll find the pertinent regulations that apply to consumer claims.

Unfair Insurance Trade Practices in New Hampshire

You’ll find the state statute and its components that address unfair trade practices at the above link; this link shows the list of specific unfair acts.

Minimum Standards for Accident and Health Insurance

This statute outlines the basics of how health and accident insurance plans must be structured, including required provisions and basic methods of business for insurers.

Alcohol & Your Health Insurance: New Hampshire Rules

New Hampshire’s health plans require that plans cover treatment for alcohol-related disorders, however the laws do not address whether or not insurers may deny coverage for losses arising due to intoxication. Check the wording of your policy to see if it has any exclusions against alcohol-related accidents.

Losses Due to Intoxication
Health Insurance Parity for Alcohol-Related Treatment
New Hampshire’s laws do not address whether insurers are allowed or prohibited from denying benefits for losses arising from intoxication or alcohol.
Health plans in New Hampshire must cover such treatment and provide the same levels of benefits for alcohol-related disorders as they do for medical and surgical conditions.
New Hampshire health plans may charge higher deductibles, higher premiums, and may impose restrictive limits on lifetime treatment for alcohol-related disorders.

Representatives & Resources in Your State

State representatives make for strong advocates in terms of getting assistance on a claim or seeking information on particular issues. The links below provide strong starting points from which to learn more about insurance and consumer advocacy in New Hampshire.

New Hampshire Insurance Department
21 South Fruit Street, Suite 14
Concord, NH 03301
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603.271.2261
Contact Page
Consumer Complaint Resource
Life, Accident, and Health Insurance Information
Further information can be found here about health insurance and how it works, as well as different types of health insurance plans in New Hampshire.

New Hampshire Department of Health and Human Services
This department assists low-income families, as well as disabled residents, seniors, and victims of abuse and neglect. Use the link above to learn what programs you may qualify for.
Contact DHS

New Hampshire Children’s Health Insurance Program (CHIP)
The New Hampshire CHIP organization offers health insurance options for children of low income families. You may be surprised to find out that your family qualifies, depending on your income bracket and number of children.
Apply for New Hampshire’s Healthy Kids Program

New Hampshire Health Care Reform Information
With major health care reform slated for 2014 and 2015, states are stepping up to provide information for residents on how these changes will affect them.