New Hampshire Department of Insurance: Considering Alternative Options for 2019 Health Coverage
"It is critical for anyone looking at health insurance options to know what they are buying. I strongly urge consumers to read all of their plan documents before enrolling in a plan," said Insurance Commissioner
The Department wants to ensure that consumers fully understand what is and is not covered before enrolling in a plan. There are coverage options available in
Consumers may be considering short-term, limited duration plans. Only one company,
Short-term plans may have lower premiums, but they also have limited benefits. Short-term plans can deny coverage or exclude coverage of pre-existing conditions, such as chronic conditions or pregnancy. These plans can also set coverage limits and use health history when setting premium rates. Consumers are encouraged to weigh these considerations when determining whether a short-term plan meets their health and financial needs. More information about these short-term plans can be found on the Department's website, by clicking here (https://www.nh.gov/insurance/consumers/documents/short-term-plans-are-they-right-for-you.pdf) (comparison of short-term plans v. ACA-compliance plans) or here (https://www.nh.gov/insurance/consumers/documents/considerations-for-short-terms-plans.pdf) (questions to ask before buying a short-term plan).
Health care sharing organizations (also known as health sharing ministries) are also operating in
The New Hampshire Insurance Department Can Help:
"I want
Consumers can reach the
If you or your organization are interested in more information and resources about open enrollment, contact
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