There are several ways you can get health insurance:
- Through your job: Many employers offer coverage to employees. Check with your Human Resources department to learn if your employer offers this benefit.
- Through the NH Exchange: New Hampshire's Federally Facilitated Health Insurance Marketplace https://www.healthcare.gov/get-coverage/ (Use this assistance eligibility calculator to determine whether you're eligible for financial assistance with your insurance coverage: http://coveringnewhampshire.org/determine-eligibility-financial-assistance)
- On your own: If you prefer not go through the NH Exchange, you may purchase health insurance directly from a health insurance company or by contacting a licensed insurance broker (https://www.trustedchoice.com/) who can assist you with your purchase.
- Through Medicare: https://www.medicare.gov/
- Through Medicaid and/or the Children's Health Insurance Program: http://www.dhhs.nh.gov/ombp/medicaid/index.htm
- New Hampshire Health Protection Program (NHHPP) http://www.dhhs.nh.gov/ombp/nhhpp/
Eligible participants can enroll in the insurance marketplace during the open enrollment period. For 2017 coverage, the enrollment period is November 1, 2016-January 31, 2017. During this time, you can enroll in New Hampshire's Federally Facilitated Health Insurance Marketplace or obtain individual policies through health insurance companies.
The only time you can enroll for insurance outside of the open enrollment period is if you qualify for a special enrollment period. In the marketplace, you qualify for a special enrollment period of 60 days following qualifying life events (link to Q/A regarding life events). Employer-based plans must provide a special enrollment period of 30 days.