New Hampshire

Written By Jerdon Johnston

Citizen Guide for New Hampshire – Tsunami Health

Understanding Your Healthcare Options in New Hampshire

Navigating healthcare coverage can be overwhelming, but New Hampshire offers several programs to help residents access quality care. Whether you are uninsured, underinsured, or seeking assistance with medical costs, this guide will introduce you to the key options available.

Who Needs This Guide?

  • You are uninsured or struggling to afford health insurance.

  • You want to explore your healthcare coverage options in New Hampshire.

  • You need financial assistance for medical costs.

  • You want to maximize the benefits of your current healthcare plan.

Key Healthcare Programs in New Hampshire

1. Medicaid & CHIP

  • Who Qualifies? Low-income individuals, families, pregnant women, children, and people with disabilities.

  • What It Covers? Doctor visits, hospital care, prescriptions, preventive services, and more.

  • How to Apply? Visit New Hampshire’s Medicaid website or apply through the federal marketplace at healthcare.gov.

2. Affordable Care Act (ACA) Plans

  • Who Qualifies? Anyone who doesn’t get insurance through an employer, Medicare, or Medicaid.

  • What It Covers? Comprehensive health coverage, including preventive care, emergency services, and mental health care.

  • How to Apply? Visit healthcare.gov to compare and enroll in plans.

3. Medicare

  • Who Qualifies? Individuals 65+ or those with certain disabilities.

  • What It Covers?

    • Part A: Hospital stays

    • Part B: Doctor visits

    • Part D: Optional prescription drug coverage

  • How to Apply? Visit Medicare.gov.

4. Employer-Sponsored Health Insurance

Many employers offer group health insurance plans, often covering part of the premium. If you have a job, check with your employer about available health benefits. COBRA may be available for those who recently lost job-based insurance.

5. Short-Term & Supplemental Health Plans

These plans provide temporary coverage or fill gaps in traditional insurance. Options include:
✅ Short-term health plans for temporary needs.
✅ Accident or critical illness insurance to help cover unexpected medical expenses.

Financial Assistance Programs

💰 Premium Tax Credits – Reduce the cost of ACA marketplace plans.
💰 Cost-Sharing Reductions – Lower out-of-pocket costs for qualifying individuals.
💰 State-Specific Assistance Programs – Some states offer additional subsidies or programs.

Where to Get Help

📍 New Hampshire Health Insurance Marketplace – Compare and enroll in ACA plans.
📍 Medicaid Office – Apply for Medicaid or CHIP based on eligibility.
📍 Local Community Health Centers – Get low-cost or free healthcare services.
📍 Tsunami Advisors – Personalized guidance to find the best plan for your needs.

➡ Need Help? Schedule a free consultation with a Tsunami Advisor today!

 
Jerdon Johnston