Information for NH Residents on 2018 Health Insurance Marketplace and Open Enrollment

October 18, 2017

CONCORD, NH -- Open enrollment in the individual Health Insurance Marketplace will run from November 1 to December 15. In advance of open enrollment on and off the federally facilitated Marketplace, the New Hampshire Insurance Department offers information and resources for the 54,000 state residents who plan to purchase health insurance in the individual market for 2018 coverage. 

“We are encouraging New Hampshire residents who are buying a plan on to update their applications and actively compare plan options, “ said New Hampshire Insurance Commissioner Roger Sevigny. “Buying insurance is signing a contract. Once you lock in coverage, your rates and cost-sharing amounts will stay the same all year. But if you don’t sign up now, you will not have another chance to enroll until next year – unless your situation changes.”

Health Insurance Plans:  

In 2018, three insurance companies will offer individual plans on the New Hampshire Marketplace: Anthem, Ambetter from NH Healthy Families, and Harvard Pilgrim Health Care. 

Minuteman Health will not be offered in New Hampshire for 2018; current Minuteman members are encouraged to shop and select a new plan for 2018. Harvard Pilgrim’s New Hampshire Network will not be offered for 2018 on the New Hampshire Marketplace and members are encouraged to look at whether the Harvard Pilgrim ElevateHealth plan meets their needs. Those who do not select a new plan during open enrollment will be automatically assigned to one by the Marketplace. 

For your coverage to begin on January 1, 2018, you will need to enroll by December 15, 2017. You can enroll in an individual insurance plan outside of the open enrollment period only if you qualify for a special enrollment period of 60 days following qualifying life events. You will need to pay your first premium by your insurance company’s due date before your 2018 coverage will take effect.

Where to Find Help: 

If you want to receive federal financial assistance to pay for a plan, you will need to enroll through the Marketplace ( An insurance agent – or a Federal Navigator – could help you with this process. If you are enrolled in Marketplace coverage for 2017, you will receive renewal information from your insurance company and the Marketplace. Even if you liked your plan for 2017, it is important to update your application and look at your options for 2018 because plan benefits and networks change from year to year. 

You can buy a plan outside of the federal Marketplace – through an insurance agent or directly from an insurance company – and it will cover the same essential services as a Marketplace plan.  

If you are already enrolled in the New Hampshire Health Protection Program, you will receive information from the New Hampshire Department of Health and Human Services about how to select a plan for 2018. NHHPP members with Minuteman Health coverage will receive information from the NH DHHS about moving to a new plan.

Federal Assistance Based on Income Levels Is Still Available for 2018:  

Depending on your income level, you may qualify for cost assistance for paying premiums and/or out-of-pocket costs for a health insurance plan bought through the Marketplace, or for no-cost or low-cost coverage under the NHHPP. All of these subsidies remain available for 2018 plans, so long as you sign up during open enrollment. 

When you complete an application on, you will be prompted to enter your “tax household” size and financial information. After completing the application, you will be notified if you qualify for financial assistance for a Marketplace plan or for coverage through the New Hampshire Health Protection Program.

More information on 2018 plans:

The New Hampshire Insurance Department Can Help:  

“I want the New Hampshire residents to know that the Insurance Department is here as a resource: Our Consumer Services staff is available to assist with issues that arise after enrolling in coverage,” said Commissioner Sevigny. 

If you have questions about or issues with using the Marketplace and obtaining coverage, please call the federal government at (800) 318-2596. Once you have coverage, please contact the Insurance Department with questions or concerns, at 1-800-852-3416 or (603) 271-2261, or by email at

If you or your organization are interested in more information and resources about open enrollment, contact Eireann Aspell, outreach coordinator at the New Hampshire Insurance Department, by phone 603-271-3781 or email

About the New Hampshire Insurance Department
The mission of the New Hampshire Insurance Department is to promote and protect the public good by ensuring the existence of a safe and competitive insurance marketplace through the development and enforcement of the insurance laws of the State of New Hampshire. We are committed to doing so in an honest, effective and timely manner.

Media Contact:

Eireann Aspell
Outreach Coordinator
Phone: (603) 271-3781
Email address: