Health Exchange

N.H. Insurance Department

Consumers will have more than 50 plans to choose from next year on the Affordable Care Act health exchange, according to the New Hampshire Insurance Department.

During the first of two public hearings, department officials on Tuesday said five insurance companies will compete in the marketplace in 2015.

Anthem was the only participant this year, and it’s decision to include just 16 of the state’s 26 hospitals in its network sparked frustration even among supporters of the health law.

What's New With The Affordable Care Act In N.H.

Jun 16, 2014
Taylor Shaw-Adams / Flickr/CC

Expanded Medicaid for low-income adults is coming, but may be delayed.  Meanwhile, four more insurance companies say they’re ready to join New Hampshire’s marketplace for coverage next year.  And as we head into this fall's elections,  the health care law remains a major point of political contention. 


  • Todd BookmanNHPR’s health reporter
  • Jenny Patterson - health legal counsel at the New Hampshire Insurance Department


It's Last Call For Health Sign-Ups In New Hampshire

Mar 26, 2014
Todd Bookman / NHPR

Time is running out for individuals looking to buy health insurance through the Affordable Care Act. The cut-off to start the sign-up process is March 31st, and unlike previous deadlines, it looks like this one may actually hold.

That’s got John Carland taking the process more seriously.

“I put things off,” says Carland. “I’m a procrastinator. So, I just put it off until I had to do it, I guess.”

Daniel S. Hurd via Flickr CC

Health insurance products sold in New Hampshire’s exchange would face public hearings under a bill passed by the Senate.

Supporters say the hearings will provide transparency about what exactly the plans cover, and which doctors and hospitals are participating. The move comes in direct response to Anthem’s so-called narrow network exchange plans that leave out 10 of the state’s 26 hospitals.

New Hampshire Surpasses ACA Sign-Up Target

Mar 11, 2014
Data: U.S. Health and Human Services

More than 21,000 New Hampshire residents have signed up for insurance through the Affordable Care Act, according to new data released by the federal government.

In February, 4,715 enrolled in coverage, bringing the total since October above the federal government’s estimate of 19,000 total sign-ups for the state.

Women account for 55% of enrollees, and nearly 3-in-4 residents qualified for some level of financial assistance.

Anthem Gives Customers More Time To Pay First Bill

Jan 15, 2014

Customers who bought health insurance in the new exchange are getting more time to pay their first month’s bill. Anthem Blue Cross says New Hampshire consumers who signed up before the deadline for coverage starting January 1st now have until the end of the month to pay their first month’s premium. The deadline was originally today.

Last week the company’s president acknowledged that many new customers still hadn’t received their insurance ID cards and that a help line was overwhelmed with calls.

New Hampshire consumers looking for information about the health law can now turn to a local website. bills itself as the gateway for the health insurance marketplace. Browsers can learn about the law, use an online calculator to see if they qualify for tax credits, and window-shop the 11 different insurance plans Anthem is offering through the Affordable Care Act.

Via U.S. Digital Maps Archive

While the Affordable Care Act is a federal law, it’s playing out very differently across the states. In New Hampshire, strong opposition from Republican lawmakers and a lack of competition between insurance companies has marred the roll out advocates had hoped for.

 Consumers will have more health insurance options in New Hampshire starting in 2015. Massachusetts-based non-profit Minuteman Health says it plans to compete in the state’s exchange with a wide network of hospitals.

CEO Tom Policelli says his company has already begun talks with many of the state’s providers.

“We believe that we can come into New Hampshire and offer a much more broad network than Anthem has, and still deliver an excellent price point, and that’s what we intend to do,” says Policelli.

Anthem is the only company selling products in 2014.

The New Hampshire Insurance Department is denying a complaint filed by Frisbie Memorial Hospital over its exclusion from Anthem’s provider network for individual policies.

In November, 1,300 New Hampshire residents were able to select insurance plans through That brings the total to 1,569 since the start of enrollment on October 1st.

New data out from the federal government show more than 8,700 people in the state completed applications for health insurance in the new marketplace.

Maine has seen activity similar to New Hampshire.

Anthem Blue Cross says it’s still having trouble processing some new health insurance enrollments because of computer problems.  

Anthem Blue Cross says it’s extending the renewal date for customers who buy individual policies. The state’s largest health insurance company informed brokers earlier this week that current policyholders who want to keep their plans will have until the end of the month to renew,  a two week extension from the original deadline of November 15.

In New Hampshire, 269 residents have selected health plans through the new marketplace, according to figures released Wednesday by the federal government. 

Senator Jeanne Shaheen continues to press the Obama administration to extend the enrollment period for those looking to buy coverage through the new health law. In an op-ed in USA Today, Shaheen says consumers shouldn’t be penalized by a failed website roll-0ut.

Todd Bookman / NHPR

When Michael Justice was laid off from a local college last year, he lost a job he liked, a paycheck he needed and an insurance plan he relied on.

At 63, he’s now buying a policy to cover him and his wife. The bill every month is $1,638.

“It’s more than we pay for mortgage, its more than we pay on property taxes, which in New Hampshire is saying a bit,” says Justice. “It’s more than we pay for heating oil, more than we pay for electricity, more than we pay for water.”

We've heard a lot about the new health insurance exchanges (A.K.A. marketplaces) since they launched this month. What follows is a blog of my attempts to navigate New Hampshire's marketplace. So far, it's been an error-ridden process with recurring visits to a virtual waiting room.

Day 1: October 1st

11:15 a.m.

Creating an account. 

Using Google Chrome browser, I go to I click log in at the top right corner of the first screen.

401(K) 2012 / Flickr Creative Commons

As of yesterday, Americans can shop for coverage on these exchanges, set up by the Affordable Care Act. But many people are unaware of these marketplaces and many more have lots of questions- from who’s eligible, to what coverage is available, to how much it might cost.


A new report from the U.S. Department of Health & Human Services provides a snapshot of premium prices for health plans sold in the new marketplaces. When they launch October 1, individuals will be able to comparison shop for plans in their state's marketplace and apply for subsidies meant to make insurance more affordable.

The Fuller Public Library in Hillsborough hosts book groups, a story hour for preschoolers, and the occasional knitting workshop.

Also on the calendar this month? An hour-long presentation on the Affordable Care Act.

“Tonight, this is probably going to feel like you are drinking from  a fire hose,” says Kelly Clark, State Director for AARP New Hampshire.

She runs through a slide show for a group of about two dozen residents. It touches on all the main points of the law: the exchanges, the mandates, subsidies, and Medicaid.

Todd Bookman / NHPR

New Hampshire Senators expressed frustration with Anthem Blue Cross on Wednesday about the insurance products they plan to sell in the new health marketplaces. 


Enrollment begins soon for the on-line health insurance “exchanges” or marketplaces. So far, in this state, only one insurer is taking part…with a product that offers lower cost but a narrower network.  We’ll look at the rollout of this one component of Obamacare.and what it could mean for the Granite State.


Anthem Blue Cross is providing a snapshot of some of the rates it will charge for insurance plans bought in the new health marketplaces.

Individuals looking to purchase health insurance through the new marketplaces will have only one company to choose from in New Hampshire.

Health Insurance Shake Up Continues In N.H.

Sep 9, 2013
Todd Bookman / NHPR

For the second time in less than a week, the health care landscape in New Hampshire is absorbing a major announcement.

Anthem Blue Cross is defending its move to reduce the number of hospitals in its network for individuals buying coverage through the new health exchange marketplaces. 

The state's largest carrier and only company to participate in the exchange is dropping ten New Hampshire hospitals from its provider network for all individual policy holders. That includes plans bought both inside and outside of the new health exchange marketplace that rolls out October 1st. It doesn’t apply to employer-sponsored plans or plans for some Medicare recipients.

Planned Parenthood of Northern New England and Bi-State Primary Care Association, a non-profit network of health centers, will receive federal grant money to help consumers sign up for coverage under the new health law.

Federal officials announced Thursday a total of $67 million in grants to more than 105 groups around the country.

Bi-State Primary Care Association will receive $430,000, while Planned Parenthood will get $145,000.

New Hampshire's Health Exchange Monopoly

Jun 10, 2013
via WUKY

It wasn’t exactly a victory lap, but the president was in California last week praising an early success of the Affordable Care Act.

Speaking in San Jose on Friday, Obama touted the California health insurance exchange--one of the new online marketplaces where individuals and small business employers can shop for coverage and apply for subsidies starting October 1.

California's exchange will have 13 companies competing for business and rates far below what experts predicted.

A highly technical bill meant to streamline insurance regulation in the state isn't receiving support in a Senate committee, an action that could block the state's efforts to partner with the Federal government on a new health exchange.

The bill, HB 668, was originally requested by the N.H. Insurance Department to bring state law inline with the Affordable Care Act. Without it, parts of the ACA will be in conflict with current state practice, meaning the Federal government will step in to regulate health insurance plans. Traditionally, the Insurance Department has held that role.

State Hears Ideas For Launching Health Exchange

May 17, 2013

Health providers, small business owners and reform advocates attended a brainstorming session in Concord on Friday. State Insurance Department officials organized the event, seeking input on how best to implement the new health exchange in New Hampshire.

A range of ideas were offered, from social media campaigns to informational events at hardware stores to old-fashioned word of mouth. Participants stressed a need to reach all communities, including minority and non-English speaking groups, and to do so quickly.