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NH Insurance Department Announces Companies That Have Filed to Offer 2018 Marketplace Plans

Concord, NH – The New Hampshire Insurance Department has received initial form filings from insurance companies that intend to offer medical and dental plans on the 2018 New Hampshire Marketplace (HealthCare.gov).

Four companies have applied to offer individual plans: Ambetter from NH Healthy Families, Anthem, Harvard Pilgrim, and Minuteman Health. Three companies have applied to offer small-group plans to groups of 50 employees or fewer through the Marketplace’s Small Business Health Options (SHOP) program: Anthem, Harvard Pilgrim, and Minuteman Health. Two companies have applied to offer dental insurance, both as individual plans and through SHOP: Anthem and Delta Dental.

New Hampshire’s Health Insurance Marketplace is run by a partnership between the federal government and the state. The Insurance Department reviews forms and rates and then recommends them for final approval by the federal government, which operates the Marketplace. May 12 was the deadline for insurance companies to submit initial form filings to the Insurance Department; companies have until June 2 to submit initial rate filings to the department. The Insurance Department will make its final recommendations to the federal government by September 27, and the federal government will formally sign off on plans by October 12. Open enrollment for 2018 individual plans will take place between November 1 and December 15. (SHOP plans can be purchased by an employer at any time throughout the year.)

By law, the Insurance Department cannot release rate information for 2018 Marketplace plans until November 1. If any proposed rates reflect an increase of 10% or more above last year’s rates, the federal government, through the Centers for Medicare and Medicaid Services (CMS), will publish information about them, likely sometime this summer: https://ratereview.healthcare.gov/.

However, the Insurance Department will host two information sessions in June on the health care provider networks likely to be available through Marketplace plans in 2018. The first session will take place Monday, June 26, from 10-11 a.m. in Concord, at the Brown Auditorium, 129 Pleasant St. The second will be held online on Wednesday, June 28, from 11 a.m. to noon. For more information, and to register for either session: https://www.nh.gov/insurance/media/pr/2017/documents/050917-release-nhid-2018-networks-information-sessions.pdf

About the New Hampshire Insurance Department

The New Hampshire Insurance Department can help residents with questions or concerns about their existing coverage. To speak to a member of the Consumer Services Department, call at 603-271-2261 or email consumerservices@ins.nh.gov.

The New Hampshire Insurance Department’s mission is to promote and protect the public good by ensuring the existence of a safe and competitive insurance marketplace through the development and enforcement of the insurance laws of the State of New Hampshire. For more information, visit www.nh.gov/insurance.

Information for NH Residents on 2015 Health Insurance Marketplace

NH Insurance Department Issues First in a Series of Consumer Guidance

Concord, NH ­– The New Hampshire Insurance Department offers information to state residents who plan to purchase health insurance in the individual market for 2015, including plans offered through the state’s federally facilitated Health Insurance Marketplace (www.HealthCare.gov).

“As the November 15 open enrollment date approaches, we want New Hampshire citizens who plan to buy health insurance through the Marketplace to be aware of their options as consumers,” said New Hampshire Insurance Commissioner Roger Sevigny. “The Insurance Department regulates all insurance offered to individual consumers in the state, including health insurance.  While we are not involved in enrollment for the Marketplace, we can offer guidance that will enable residents to make informed choices.  Our Consumer Services staff is also available to assist with issues that arise after people are enrolled in coverage.” 

More choices for New Hampshire residents and businesses in 2015:  

Just one company, Anthem Blue Cross and Blue Shield, offered health insurance plans on the federally facilitated New Hampshire Health Marketplace in 2014, its first year in operation. However, in 2015, New Hampshire residents using the Marketplace will have five health insurance companies – and many plans and health provider networks – to choose among:

  • Anthem Blue Cross and Blue Shield
  • Assurant (Time)
  • Harvard Pilgrim Health Care
  • Maine Community Health Options
  • Minuteman Health

All but Assurant also plan to offer health insurance on the federally-operated Small Business Health Options Program (SHOP) for New Hampshire, available to businesses with 50 or fewer employees.

For more information about these companies’ health provider networks, go to: http://www.nh.gov/insurance/legal/documents/pres_updated_network08.25.14.pdf.
More detailed plan comparison information will also be available soon on www.CoveringNewHampshire.org 

Another new option: New Hampshire Health Protection Program:

The New Hampshire Health Protection Program, New Hampshire’s new health program for low-income residents, began offering coverage on Aug. 15, 2014.  People whose income is below certain levels (about $16,000 for an individual or $32,000 for a family of four) can qualify for no-cost or very low-cost health coverage.  More information is available from the NH Department of Health and Human Services: http://www.dhhs.nh.gov/ombp/nhhpp/.

People who are eligible for the New Hampshire Health Protection Program may not continue to receive federal tax credits in 2015. They should go to www.HealthCare.gov between Nov. 15 and Dec. 15 to cancel any 2015 Marketplace coverage and tax credits. 

Open enrollment – be sure to check your options, even if you’re already covered:

For 2015 individual plans, open enrollment begins Nov. 15, 2014 and ends Feb. 15, 2015. These dates apply to all individual health insurance plans, regardless of whether they are purchased through the Marketplace (www.HealthCare.gov). New Hampshire residents buying individual market coverage will not be able to buy 2015 coverage or change their 2015 plans after Feb. 15, 2015 unless they have a change in circumstances, such as changing jobs, getting married, or having a baby.

Coverage for 2015 plans can begin as soon as Jan. 1, 2015 (for those who sign up by Dec. 15, 2014).

Open enrollment is a resident’s opportunity to check the Marketplace to see whether there is a new plan that costs less, has a more suitable network, or has better cost sharing or prescription drug coverage.

New Hampshire residents who had coverage in 2014 should watch their mail for a renewal letter from their insurance company that explains their options and timeframes for renewal. People who bought health coverage in 2014 will be renewed on their current plan, or one that is similar, if they take no action.

Those who bought 2014 coverage on www.HealthCare.gov also will receive a notification from the Marketplace about their specific options, including information about any tax credits.  For most people receiving tax credits, the credits also will continue at the same level if they take no action.

Automatic renewal may not be the best choice, especially for people receiving tax credits:

  • Tax credit amounts are based on income and family size, but also on the pricing of plans available for that calendar year (2nd lowest cost silver plan).
  • Those residents receiving tax credits should check their options to be sure they are getting the assistance for which they are eligible, and that their tax credit amount is based on the most current information.

COMING SOON: Where can I get help with renewal and enrollment questions?

The New Hampshire Insurance Department’s mission is to promote and protect the public good by ensuring the existence of a safe and competitive insurance marketplace through the development and enforcement of the insurance laws of the State of New Hampshire. For more information, visit http://www.nh.gov/insurance

Maine Community Health Options To Provide Coverage Across New Hampshire In 2015

Nonprofit Insurance Carrier Awarded
$67.6 Million by CMS to Support Statewide Expansion

Concord, NH – Maine Community Health Options (MCHO) today announced its award of $67.6 million in additional financing from the Centers for Medicare & Medicaid Services (CMS) to support its full statewide New Hampshire expansion. As a nonprofit, Member-directed Consumer Operated and Oriented Plan (CO-OP), MCHO is now able to bring its plan offerings to benefit consumers through all of New Hampshire in 2015. MCHO’s proposed plans for the Marketplace in 2015 have been approved by the New Hampshire Insurance Department and are presently under review at CMS.

When asked about the rationale for expanding into New Hampshire, Kevin Lewis, chief executive officer of MCHO explained, “On the basis of our success in Maine, we will bring great benefits at affordable pricing to all people in New Hampshire. We offer a new model for health insurance, and people have responded positively. On the strength of our experience, we bring to New Hampshire desirable plan designs with an eye for improving health outcomes at lower costs to our Members.” MCHO garnered national attention earlier this year when it was highlighted as a high-performing CO-OP insurance company, securing 83% of the market share of the Marketplace business in Maine.

Today’s announcement about MCHO’s geographic expansion reflects MCHO’s dedication to bringing new options to the people of the Granite State in the upcoming year. MCHO’s broad network of providers is a contrast to narrow network approaches that have excluded certain hospitals and providers in 2014.

“Our plan is one of the few that includes a broad provider network,” said Robert Hillman, MCHO’s chief operating officer. “This is an important hallmark for us, as we want to help ensure that people can get the health care they need within their community. Partnering with providers and patients is central to our mission of providing comprehensive, Member-focused, and Member-led health insurance benefits for individuals, families and businesses.”

Of the total new CMS lending, $64.8 million is specifically allocated for the anticipated increase in reserves necessary per state and federal requirements for both Maine and New Hampshire combined. Both development and solvency loans will be repaid to the federal government within five and 15 years respectively.

About Maine Community Healthy Options:

Licensed in both Maine and New Hampshire, Maine Community Health Options (MCHO) is the Maine-based Consumer Operated and Oriented Plan (CO-OP) dedicated to providing affordable, high-quality health benefits through productive partnerships with their Members and a broad network of providers throughout its service areas.  For more information about MCHO, visit the website: www.maineoptions.org.

Granite Staters Will Have REAL Choice In ACA Marketplace Starting In 2015

NH Licenses Maine Community Health Options to
Offer NH Marketplace Coverage


Assurant Health to Offer Marketplace Plans in NH for 2015

Company Plans to Include a Broad Network of Doctors and Hospitals

Consumers Will Find Competitive Marketplace – With Five Carriers – in 2015 

Healthcare Gov ACA Obama

Concord, NH – The New Hampshire Insurance Department has licensed Maine Community Health Options, a consumer-operated and -oriented health plan, or co-op, to offer coverage through New Hampshire’s federally operated Health Insurance Marketplace in 2015.

Maine Community Health Options, which organized in 2011, plans to introduce its products in four New Hampshire counties – Rockingham, Strafford, Carroll, and Coos – with offerings both on and off the Marketplace. The Lewiston, Maine-based health co-op has announced its intent to offer a broad provider network in its coverage area, as well as plans to expand its county presence during 2015.

“New Hampshire residents have asked for options,” said New Hampshire Insurance Commissioner Roger Sevigny. “In 2015, they will have five insurance companies to choose from, as well as a variety of plans and networks. It’s all about choice – choice of carriers, choice of plans, and choice of provider networks. Choice is good for consumers and good for competition.”

“We welcome Assurant Health to the New Hampshire Marketplace,” said Sevigny. “We are pleased that New Hampshire consumers will be able to choose among plans with a variety of health care networks during the 2015 open enrollment period, which begins November 15, 2014. The presence of insurers like Assurant Health will increase competition and benefit Granite State consumers.”

In 2014, Assurant Health sold Affordable Care Act (ACA) compliant plans in 41 states, including New Hampshire, but did not offer plans on the New Hampshire Marketplace. The company is headquartered in Milwaukee, Wis., and has been in business since 1892.

“Today’s announcement that two additional carriers plan to offer coverage on New Hampshire’s Health Insurance Marketplace in 2015 is fantastic news that will improve affordability and increase choices for all New Hampshire citizens. Bringing additional competition to our Health Insurance Marketplace is a critical component of our effort to bring quality, affordable health coverage to all Granite Staters, and with five carriers now planning to offer coverage in 2015, we have taken an important step toward improving the health and financial well-being of our people.”

This is the first year of operation for the New Hampshire Health Insurance Marketplace, which was established by the federal government under the Affordable Care Act. In 2014, Anthem Blue Cross Blue Shield is the only insurance company offering health insurance plans on the Marketplace. The 2015 Marketplace will look quite different:  In addition to Maine Community Health Options and Anthem, Assurant Health, Harvard Pilgrim Health Care of New England, and the Massachusetts-based co-op Minuteman Health also have announced their intent to offer plans.

Through a partnership with the federal government, the NH Insurance Department reviews and recommends certification for plans offered on the Marketplace. The Department must make its formal plan recommendations to the federal Marketplace by August 7.

The New Hampshire Insurance Department’s mission is to promote and protect the public good by ensuring the existence of a safe and competitive insurance marketplace through the development and enforcement of the insurance laws of the State of New Hampshire. For more information, visit www.nh.gov/insurance.

40,262 Granite Stater Have Signed Up For Healthcare Through The Affordable Care Act Exchange

MANCHESTER, NH – Congresswoman Carol Shea-Porter (NH-01) issued the following statement regarding news that 40,262 Granite Staters and more than 8 million Americans in total have enrolled in private health insurance plans through the Affordable Care Act:

“The Affordable Care Act has turned a corner in New Hampshire. The rollout was rocky, and I made my frustration well known, but it’s great news that 40,262 Granite Staters and over 8 million people nationwide have signed up for private health insurance plans through the Affordable Care Act’s Marketplaces.

“Today’s announcement, combined with recent passage of a bipartisan plan to expand Medicaid to 50,000 Granite State citizens and news that two additional insurers plan to offer coverage on New Hampshire’s Marketplace next year, demonstrate the progress our state has made so far.

“I’ve heard from constituents, both Republicans and Democrats, about how the Affordable Care Act has helped them and their families. There are still challenges, but today’s news is confirmation that access to affordable healthcare has improved for New Hampshire families.”

Granite State Progress Executive Director Zandra Rice Hawkins released the following statement:

“New Hampshire families across the state are celebrating a health law that has brought new consumer protections and benefits to the table. Because of the Affordable Care Act, some Granite Staters have been able to access quality, affordable health care coverage for the first time in their life, and others have experienced better benefits or cost savings.  The marketplaces are a key component of the Affordable Care Act and the fact that families are successfully finding coverage on them is a testimony to the law. The politicians who oppose the Affordable Care Act are the same ones who would instead leave New Hampshire families and small businesses at the mercy of insurance company abuses. Obamacare is improving the health and financial well-being of families in our state and that’s something to be proud of.”

Local Health Advocated Host Press Conference and Open House on ACA Marketplace

Health Care Consumer Groups to Host ‘Marketplace Open Houses’ & Press Conferences on October 1st to Celebrate Key Component of Affordable Care Act

Health insurance marketplaces open October 1st – families and small businesses will access tax credits and premium subsidies through exchange

CONCORD, NH – Health care consumer and advocacy groups will host ‘Marketplace Open Houses’ and press conferences on October 1st to celebrate a key component of the Affordable Care Act.

Starting October 1, eligible New Hampshire residents and small businesses will be able to apply for health insurance through the federal health benefits Marketplace at www.healthcare.gov. Health insurance marketplaces – formerly known as exchanges – allow consumers to find and compare affordable, quality health insurance options on an apples-to-apples basis, adding new transparency on price and quality to the health insurance market. Consumers using the marketplace this fall include individuals and families, small businesses with fewer than 50 employees, and members of Congress and their staff.

Many individuals who qualify to purchase coverage through the Marketplace will also qualify for advanced premium tax credits, which will subsidize the cost of their monthly health care premiums.

Several organizations are hosting events this week to inform the press and public of the new options and provide a venue to ask questions concerning how to use the health care tool. Details for four events taking place this week are listed below:

Statewide Press Call: Affordable Care Act Enrollment Begins

This afternoon national and local health care experts will provide the media with accurate information about the implementation of the Affordable Care Act (ACA). The experts will share information about the insurance exchange enrollment period – which begins tomorrow, Tuesday, October 1st – as well as the overall implementation of the ACA in New Hampshire. Speakers will additionally dispel myths that are being spread by opponents of the legislation.

WHEN:           Monday, September 30 at 2:30 pm


WHO:               The Center for American Progress Action Fund, Planned Parenthood of Northern New England, Granite State Progress

WHERE:         Conference Call; for # email zandra@granitestateprogress.org or call (603) 225-2471


Manchester: News Conference to Kick-Off Enrollment for NH Residents in the New, More Affordable Health Care Marketplace

A news conference to kick-off enrollment for New Hampshire residents in the new, more affordable health care marketplace will be held tomorrow, October 1st in Manchester. Many New Hampshire residents who qualify to purchase coverage through the Marketplace will also qualify for advanced premium tax credits, which will subsidize the cost of their monthly health care premiums. Both Federal Navigator organizations (Planned Parenthood of New England and the Bi-State Primary Care Association) will be sharing their strategies for increasing awareness, and direct one-on-one enrollment assistance to New Hampshire’s Marketplace-eligible residents. Their efforts will ensure that consumers across the state are able to make an informed choice when selecting health coverage for themselves, their families, or their businesses. The New Hampshire Health Plan will also be making an announcement regarding the State’s new Marketplace Assister program and a statewide multi-media education and outreach campaign slated to kick off this Fall.

WHEN:           October 1, 2013 at 10 a.m.

WHO:                         Representatives of New Hampshire Health Plan, and New Hampshire’s Federal

Navigators represented by Planned Parenthood of New England and the Bi-State Primary Care Association

WHERE:         Child and Family Services, 464 Chestnut Street, (Corner of Chestnut and Lowell Streets), Manchester

RSVP:                         Press only: J. Michael Degnan, (603) 225-6633 or jmdegnan@helmsco.com


Keene: Marketplace Open House & Press Panel

A ‘Marketplace Open House & Press Panel’ will be held tomorrow, October 1st in Keene to celebrate the start of the open enrollment period in the health insurance marketplace and to educate the public on how to use this key component of the Affordable Care Act. Short commentary from local leaders and staff of the Keene Public Library – a community resource center for information on the Affordable Care Act – will be followed by a demonstration of the Marketplace. Members of the public and press will have an opportunity to test-drive the health marketplace and ask questions.

WHEN:           Tuesday, October 1st at 12 noon

WHO:                         NH Citizens Alliance and member leaders, Keene Public Library

WHERE:         Keene Public Library, 60 Winter Street, Keene

RSVP:                         Press: zandra@granitestateprogress.org or (603) 225-2471

Public: Karen Kelly, kkelly@nhcitizensalliance.org


Nashua: Marketplace Open House

A ‘Marketplace Open House’ will be held tomorrow, October 1st in Nashua to celebrate the start of the open enrollment period in the health insurance marketplace and to educate the public on how to use this key component of the Affordable Care Act. An in-depth powerpoint presentation on the marketplace and ACA will be followed by commentary from local leaders. Members of the public and press will have an opportunity to test-drive the health marketplace and ask questions.

WHEN:           Tuesday, October 1st at 6:00 pm

WHO:                         Organizing for Action and member leaders

WHERE:         Nashua Public Library – East Wing, 2 Court Street, Nashua

RSVP:                         Press: zandra@granitestateprogress.org or (603) 225-2471

Public: Deidre Reynolds, (603) 236-9616

Could New Hampshire Be Setting Up A Failure Of The ACA Marketplace

If you ask anyone they will probably agree that competition drives down consumer costs. Companies routinely lower their prices in an effort to have the lowest price.  Walmart is famous for this.  If you look at their prices, everything ends in $.96.  This allows them to market their lower price, even it is only 3 cents.

When the Affordable Care Act was passed one of the main goals was to create a marketplace for consumers to purchase health insurance.  These exchanges were intended to spur direct competition and lower the price.  This has worked in states like California where initial prices came in hundreds of dollars lower than predicted.

This is not the case for New Hampshire.  As of right now there is only one company on the new marketplace, Anthem BCBS.  How can you have competition if there is only one company.  This is not really surprising since Anthem owns about 65% of the market share of NH already.

Even supporters of the ACA are not thrilled by this news.

“Conceptually, I think that by providing health care to the citizens of the United States, we make ourselves a more employable workforce and a healthier community,” says Baetz, (a NH small business owner) who provides coverage to the five employees at his company. “If we’re all focused on that, it should really reduce our long-term costs.”

Baetz now serves on the advisory council to the New Hampshire Health Exchange and describes himself as “disappointed” with the news that Granite State residents may only have one option on the new marketplace.

“There has been a lot of optimism that some of the benefits of the health-care law would mean broader choice and reduced costs,” Baetz says. “Now, it seems like those options may not be available to us.”

This does not mean the end for the NH Healthcare Marketplace.  There are still options.  NH could be one of the first states to take part in the multi-state exchange.  This would allow NH residents to purchase policies from VT or ME for example.  Some states will have this option in 2014, but all will be required to have a multi-state option by 2017.

The Affordable Care Act requires the federal government to contract with two private health insurers to create “multi-state plans” that will, by 2017, compete in all 50 states.”

My only question is now that the NH Senate has released all control over the marketplace does that increase our chances of being one of the first states to have a multi-state exchange?

Obamacare Will Save You Money In Health Insurance

obamacare Approved

Over the last few years there have been great debates about Obamacare.  Some people think it going to drastically inflate the prices of healthcare.  No matter how much we said that they were wrong, they never believed us.  Well that could change now.

Many states are currently developing their own ‘exchanges’ as part of the Affordable Care Act.  California is one of the states that is moving forward very quickly on this.  Before the exchanges were set up, the Congressional Budget Office estimated that the cost of health insurance as part of the ACA would be around $450 a month.  That is what they predicted in 2009.

As other states begin to move forward these numbers are constantly being updated. The WonkBlog reported on the newly released numbers.

“The most affordable silver-level plan is charging $276-a-month. The second-most affordable plan is charging $294. And all this is before subsidies. Someone making twice the poverty line, say, will only pay $104-a-month.”

Those are amazing numbers.  This really does mean that healthcare will truly be affordable for everyone.  The news continues to get better. Looking at the millions of younger workers they can get their own insurance at a drastically reduced price.

“A young person buying the cheapest “bronze”-level plan will pay $172 — and that, again, is before any subsidies.”

These are real numbers for healthcare in California. The largest state in the country.  The real catch is that California is working to implement the ACA for the best results.  Unlike New Hampshire who have opposed medicare expansion, and the ACA at every turn.

What will they say to the thousands of people who could have seen huge savings in their healthcare costs if they would have only agreed to implement the ACA?

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