Under 65
Health coverage for families, the self-employed and small teams
Marketplace plans, subsidy eligibility, and group benefits for New Hampshire employers — reviewed against what you actually use.
Where you fit
Under-65 coverage splits three ways, and the rules are different for each.
Individual & family
Coverage you buy yourself, with subsidy screening. In New Hampshire, Open Enrollment runs November 1 to January 15. Individual plans
Turning 26
Aging off a parent’s plan opens a special enrollment period, and missing it is a costly mistake. Turning 26
Employer groups
Fully-insured, level-funded and self-funded arrangements for New Hampshire businesses. Group benefits
Plan types, without the acronym fog
HMO. Care stays inside the network and usually runs through a primary care doctor. Lowest premiums, least flexibility.
PPO. You can go outside the network for more money, and you don’t need a referral. Higher premiums, more freedom.
EPO. A middle ground — no referrals needed, but out-of-network care generally isn’t covered except in emergencies.
High-deductible with an HSA. Lower premium, larger deductible, paired with a tax-advantaged account you own and keep. Works well if you’re healthy and can absorb an unexpected year.
Premium is only one of four numbers that matter. The deductible, the out-of-pocket maximum, and whether your doctors are in-network often matter more.
Open Enrollment runs November 1 to January 15
Enroll by December 15 for coverage starting January 1. Outside that window, a qualifying life event opens a special enrollment period.