Health Insurance

Having health insurance usually means you pay a premium every month and, in return, your health plan pays part of the bill when you need a service from a doctor or another provider to keep you healthy or treat a disease. Health insurance usually covers doctors' visits, prescription drugs, medical, and surgical services.

There are several different ways to get health insurance. Some people buy coverage on their own. Many people get coverage through their job or a family member's job. Others are covered through public programs like Medicare and Medicaid. State insurance regulators provide oversight for some of these types of health insurance. Different regulatory agencies have responsibility for other types of coverage.

The National Association of Insurance Commissioners has compiled a list of different ways to access health insurance coverage, whether or not you are employed: https://content.naic.org/consumer/health-insurance.htm 

New Hampshire residents can obtain health insurance through one of three companies through New Hampshire's Federally Facilitated Health Insurance Marketplace or a Registered Marketplace Producer .pdf Icon:

Navigating the System:

If You Have Problems With Your Coverage:

Self-Funded Employer Plans:

  • Self-Funded or Self-Insured Plan Appeals Frequently Asked Questions
  • If your plan is a "self-funded" benefit plan offered by an employer or bona fide union trust under a union contract, state insurance departments have no jurisdiction. Instead, you may file a complaint with the US Department of Labor Pension and Welfare Benefits Administration at 866-444-3272 or 617-565-9600.
  • If you are uncertain which type of benefit plan you have i.e., fully insured, self-insured, or self-funded you should contact your human resource department or your insurance carrier for clarification.

Government/Church Plans:

If your health plan is self-funded but offered through a government or church employer, follow the appeals procedures outlined in your benefit booklet and/or other plan documents. In most cases ultimate responsibility for resolving these disputes rests with the governing body of the employer sponsoring the plan. You should contact your employer’s human resources department for more information.

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Have a question about your coverage?

Call the Consumer Services unit at 603-271-2261, in state toll free (800) 852-3416 or email consumerservices@ins.nh.gov.