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New Hampshire Small Business Health Insurance

Health care costs increased more than 10% in New Hampshire between 1980-2000; the small business owner could hardly afford to add the cost of health premiums to an already bloated budget. Still, more than 60% of small businesses in the state offered their employees health care in 2003, one of the highest rates in the country. Medical Savings Accounts have been made available to small companies to help offset the cost, but their deductibles are limited to between $1650 and $2500 (for individual coverage). Insurance carriers are doing their best to help small businesses by offering plans that are affordable and comprehensive, in accordance with New Hampshire's insurance regulations.

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Featured New Hampshire Small Business Health Insurance Providers

If you are looking for information on Individual or Family Plans in New Hampshire, products are available from the following:

• Celtic Insurance Company
  

New Hampshire’s Small Business Health Insurance Regulations

• Guaranteed issue and renewability is in effect; insurance carriers must offer employers of 1-50 workers the same health plans they offer other small businesses, and cannot cancel a plan due to the health status of a group member. They may require a 75% participation rate if that plan is their only plan. Only 37.5% enrollment is required if there is more than one plan available.
  
  
• Insurance carriers covering small businesses with 2-50 employees can charge higher group premiums due to age, location of business, type of business and the size of the group.
  
  
• The self-employed worker with no employees can enroll in a group plan, however they are only offered guaranteed issue during the two open enrollment periods in March and September.
  
  
• The self-employed worker who chooses an individual policy is eligible to deduct 100% of the premiums paid on his or her tax return.

Request a free online quote for more information on Small Business solutions in New Hampshire >>