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High Risk New Hampshire Health Insurance

 

If you have been turned down for New Hampshire health insurance or dropped by your previous health insurance because of existing medical problems you are probably considered a high risk. While this has surely caused you problems and will make it difficult for you to get New Hampshire health insurance, it doesn't make you uninsurable. There are ways to get health insurance in New Hampshire even if you are considered a high risk.

 

Look for Group New Hampshire Health Insurance First

New Hampshire health insurance through a group plan is probably your best bet and the first place you should start. If you are between jobs, look for an employer that offers group health insurance and see if you can qualify. Because the risk is spread among the rather large group, a group plan will generally be less restrictive on qualifications and may allow a pre-existing condition.

Also consider your spouse or partner's group New Hampshire health insurance. You may be able to pay in as a spouse or partner and still get quality, affordable health insurance. If you cannot find group New Hampshire health insurance, then you should look into the high risk pool for New Hampshire.

 

New Hampshire Health Insurance High Risk Pool Advantages

This high risk pool is also known as the New Hampshire Health Plan (NHHP) and is designed for those who are having a hard time getting an individual or group New Hampshire health insurance plan.

The NHHP offers those with pre-existing conditions or other qualifications the chance to get affordable health insurance. If your income is low enough, you may qualify for a subsidy program that will decrease your New Hampshire health insurance premiums through this program by as much as 10 to 20 percent.

 

New Hampshire Health Insurance High Risk Pool Disadvantages

There are some limitations with the NHHP that you should be aware of. Like most high risk pools in the states in which they are offered, you will probably have to deal with the following:

 

  • Exclusion period for pre-existing conditions
  • Higher co-pays
  • Higher deductible
  • Higher premiums
  • More out-of-pocket expense

 

While these disadvantages are significant, if you are a high risk consumer, you may still be in a better position with the NHHP. On average, the premiums are about 1.5 to 2 times more than the regular premiums, but if you have a serious medical condition it is a better option that attempting to pay for your medical expenses on your own.

 

Qualifying for New Hampshire Health Insurance High Risk Pool

You have to meet specific qualifications for the high risk pool in the state of New Hampshire. In order to be eligible, you have to meet the following criteria.

 

  • You have been turned down for individual New Hampshire health insurance because of a medical condition

 

  • You have a pre-existing condition that qualifies

 

  • You have been offered New Hampshire health insurance that offers the same coverage as the NHHP, but it is more expensive

 

  • You reside with and are a dependent of someone who is already a member of the NHHP

 

  • You have been certified eligible for assistance through TAA or PBGC

 

  • The New Hampshire health insurance you have qualified for excludes coverage for your pre-existing condition

 

  • Your COBRA insurance has expired or you are not eligible for COBRA

 

 

Shop for Individual New Hampshire Health Insurance Before Applying for NHHP

If you think you may qualify for a New Hampshire health insurance high risk pool, you should first exhaust all possibilities for getting your own traditional health insurance. The high risk pool is to be considered a last resort.

Before applying to the NHHP, you should attempt to shop for New Hampshire health insurance online. It only takes a few minutes to gather multiple New Hampshire health insurance quotes. The quotes are free and you may find that you are insurable in the private sector and for less money than you thought possible.

 

 

 

 

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