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WELCOME
The New Hampshire Health Plan (NHHP) is a state high risk pool established to provide health insurance to NH residents who are declined coverage through the private market, have a pre-qualifying condition or are otherwise eligible. NHHP is intended generally to be the insurer of last resort for New Hampshire residents. Applicants are encouraged to seek coverage from private insurance companies before contacting NHHP.
NHHP also provides health insurance for individuals who are entitled for certain Trade Adjustment Act (TAA) or Pension Benefit Guaranty Corporation (PBGC) benefits. For these individuals, premiums may be payable through the federal health care tax credit program.
What is NHHP
Pre-Qualifying Conditions?
They are:
Chronic Kidney Failure/Dialysis
Cirrhosis
HIV/AIDS
Hemophilia
Hydrocephalus
Hodgkin’s Disease
Juvenile Diabetes
Leukemia
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Major Organ transplant
Multiple Sclerosis
Muscular Dystrophy
Myasthenia Gravis
Paraplegia / Quadriplegia
Pernicious anemia
Spina Bifida
Systemic Lupus
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If you are a New Hampshire resident and produce evidence of one of the conditions, you do not have to first apply to another insurance company before applying for NHHP coverage. This list may be amended from time to time by the NHHP Board of Directors.
If you are not eligible for NHHP coverage?
If you are not eligible for NHHP coverage you can contact a producer (agent) regarding additional options that are available. You may also visit the New Hampshire Department of Insurance for a listing of companies that offer individual medical coverage in the state.
Pre-Existing Conditions?
During the first nine months NHHP policies will not pay benefits for certain preexisting conditions. Please refer to the preexisting limitation provision of the policy. In determining whether the limitation applies, NHHP will credit the time under prior creditable coverage if that coverage was continuous (with no break over 62 days) to a date not more than 63 days prior to receipt of the application. To get credit toward satisfaction of the preexisting condition period, applicants must submit a certificate or other evidence of prior creditable coverage. No preexisting limitation will apply to individuals certified as eligible for either the Trade Adjustment Assistance (TAA) Act, Pension Benefit Guaranty Corporation programs, or are under age 19.
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