Despite the seemingly nonstop conversation about national health care reform for the past several years, consumers remain confused and filled with questions. The complexity of the reforms is complicated even further when you add in the changes at the state level in New Hampshire. Here are some things you need to know to alleviate some of that confusion, but you should also know that RW agents provide free professional assistance in identifying your health insurance needs. We can help find you a number of quotes from a variety of providers, ensuring the policy you choose offers the best coverage at the most affordable rates.
All NH residents must have health insurance, unless they qualify for an exemption. Open enrollment for 2014 has ended, but you may still be able to get coverage if you qualify for a special enrollment period. If you don’t, you must wait until the next open enrollment period to sign up for coverage. For coverage beginning in 2015, open enrollment is scheduled to run from Nov. 15, 2014 to Feb. 15, 2015.
The cost of an Affordable Care Act plan offered on the exchange depends on several factors, including: the level of coverage you need; whether you qualify for a subsidy; your New Hampshire location; your age; and whether you smoke.
Some coverage offered through New Hampshire approved health plans may not be available in other states. NH mandates a number of benefits, such as coverage of children during adoption proceedings and 12 self-referred chiropractic care visits, for all plans sold in the state.
If you purchased a health insurance plan through the New Hampshire marketplace last year, you will be re-enrolled automatically unless you take action. Automatic enrollment may sound like a breeze compared to the long waiting periods and problematic online system, but it may include unpleasant surprises such as an increase in premiums, subsidy loss and changes to coverage.
If navigating an online exchange rife with delays and breakdowns, trying to get through to an actual person on the marketplace telephone lines, or waiting to find out if your current plan changes in significant ways all sound like choices that make your blood pressure rise, there is an alternative.
We are always available to answer any questions about health insurance you may have; it won’t cost you a thing and won’t need to wait on hold for three hours before speaking to a representative. Contact us today to save time, money and headache in choosing the right health insurance plan for you and your family.