New Hampshire Health Insurance

New Hampshire has fewer health insurance regulations than most states. Still, it's important to familiarize yourself with them, so you're more confident and wise in your purchase.

This guide:

  • Describes New Hampshire health insurance policy regulations.

  • Lists rules New Hampshire health insurance companies follow.

Health insurance policies are regulated by each state's own health insurance laws. New Hampshire health insurance companies and policyholders alike must abide by established insurance laws.

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New Hampshire health insurance policy provisions

Some of the most important New Hampshire health insurance laws are the ones that influence the health insurance policy specifically.

First, every New Hampshire health insurance policy must have a gauranteed renewability provision, which secures your right to renew your health insurance policy every year. This hinges, of course, on you paying your premiums on time and providing accurate information on your application.

Secondly, New Hampshire health insurance laws permit health insurance policies to contain a 9 month exclusion period for pre-existing conditions. After this time has passed, the policy must cover the pre-existing condition.

Any condition you were treated for or diagnosed with in the three months before the beginning of the policy is considered a pre-existing condition.

Also, if you are switching health insurance plans, new pre-existing condition exclusion periods can be imposed. However, any pre-existing exclusion period you have served under your old New Hampshire health insurance policy can be used to credit your new policy's exclusion period.

Regulating New Hampshire health insurance companies

New Hampshire health insurance laws regarding New Hampshire health insurance companies mostly benefit you, the consumer. Understanding these laws is especially important in making sure your health insurance company continues to honor your original contract.

New Hampshire health insurance laws state that you cannot be denied health insurance due to your health status, age or any other factor.

However, the cost of your New Hampshire health insurance premiums can be dependent upon your health. There are limits to how much extra insurance companies can charge due to these factors.

Also, New Hampshire health insurance companies cannot deny you continued coverage on the basis of your health.

More NH health insurance help

If you want more help getting the a good health insurance policy, read our guide to health insurance.

Also see the guide to New Hampshire  


To find out more about NH health insurance laws and regulations, visit the official website of the State of New Hampshire Insurance Department.