We’ve created this New Hampshire health insurance guide, including the FAQs below, to help you understand the coverage options available to you and your family in New Hampshire. ACA Marketplace (exchange) plans – or Obamacare – are available for people who need to buy their own health coverage. We’re here to help you understand the coverage options and how financial assistance works under the ACA.
New Hampshire did not create a state-run exchange, so New Hampshire’s Marketplace is the federally-run HealthCare.gov . A New Hampshire Marketplace plan can be a great coverage option if you aren’t eligible for Medicare or Medicaid, and also don’t have an offer of affordable health insurance from your employer. Depending on your household income and circumstances, you may be eligible for financial assistance when you enroll in health coverage through the New Hampshire Marketplace.
Three private health insurance companies offer individual/family coverage through New Hampshire’s Marketplace. 1 All three plan to continue to offer coverage in New Hampshire’s Marketplace in 2025, 2 and one additional insurer is joining the New Hampshire Marketplace for 2025 3 (more details below).
As a result of legislation enacted in 2023 4 New Hampshire’s previous high-risk pool association, 5 the New Hampshire Individual Health Plan Benefit Association (the New Hampshire Health Plan), is now tasked with “protect[ing] the citizens of the state who participate in the individual health insurance market by providing a mechanism to equitably distribute the excess risk sometimes associated with this market.” 6
The New Hampshire Health Plan works to support the state’s reinsurance program and Medicaid expansion (although New Hampshire has expanded Medicaid under the ACA, the expansion is not permanently authorized in the state 7 ), and is also working on a study of ground ambulance costs and rate setting (under the federal No Surprises Act, consumers are protected from most instances of surprise balance billing, but those protections do not apply to ground ambulance bills).
