- Coverage at the same price is available to every eligible applicant in New Hampshire, despite health problems and late enrollment.
- Some life changes may provide more opportunities for group coverage.
- New employers may impose a wait period on new employees.
- The medical history review period for pre-existing conditions is three months long for fully insured policies and six months for self-insured plans.
- Group health providers can require an exclusion period for pre-existing conditions.
- If continuous coverage is maintained without a lapse of more than 63 days, creditable coverage is available.
Small Business Health Insurance in New Hampshire
- Small businesses with up to 50 employees may not be denied small group coverage.
- Coverage may not be cancelled because of illness within the employee group, though costs may be increased.
Self-Employed Health Insurance in New Hampshire
- The self-employed may purchase small group health coverage.
- Consult the New Hampshire Insurance Department for rules concerning business associations with group health coverage availability.
New Hampshire Insurance Department
56 Old Suncook Road
Concord, NH 03301
Individual Health Insurance in New Hampshire
- Providers may deny coverage based on a health problem.
- Those who are HIPAA eligible may be denied individual insurance.
- For pre-existing conditions, providers may review medical history for the three months prior to coverage.
- If there is a pre-existing condition, coverage may be excluded for up to nine months.
- Providers may attach an exclusion rider for a pre-existing condition.
- Providers may classify pregnancy as a pre-existing condition.
- There are limits on the cost of individual policies and coverage cannot be cancelled due to sickness.
New Hampshire Health Care Programs
- Assistance is provided for those who can not afford health care coverage through the New Hampshire Health Plan.
- Those who are HIPAA eligible may use the Health Plan for coverage.
- Medicaid, Healthy Kids, and Let No Woman Be Overlooked are available to low income individuals.
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