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Obamacare in New Hampshire

Obamacare, officially known as the Affordable Care Act (ACA), was passed to offer affordable healthcare to residents across the United States who are having difficulties paying for basic healthcare. In New Hampshire, approximately 50,000 people were automatically enrolled into Obamacare on February 22, 2016.  Of those, approximately 16,918 consumers below the age of 35 applied for Marketplace coverage, and 70 percent of people who were enrolled qualified for $244 per month in the marketplace. Obamacare has continued to grow throughout the years, and as of 2015, NH residents have a choice of 38 plans from five issuers of Obamacare.  More information on Obamacare can be found below:

  • Did New Hampshire accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in New Hampshire?
  • Eligibility for Obamacare in New Hampshire
  • How to apply for Obamacare in New Hampshire
  • Health plan cost and availability in New Hampshire

Did New Hampshire Accept the ACA Medicaid Expansion?

“What is the expansion of Medicaid?” is perhaps the most commonly asked question by potential NH Obamacare recipients. What is known as the ACA Medicaid Expansion in New Hampshire was the addition of another level of healthcare from the federal government. States had the option to either accept or reject the expansion and New Hampshire is among the states that chose to accept the expansion. The Affordable Care Act Medicaid expansion has allowed low income families (those who are below the federal poverty level by more than 133 percent) to have quality healthcare without a fee being associated with their plan. For New Hampshire, a family of four that makes around $32, 253 or less will be able to qualify for the Medicaid expansion. Unfortunately, these rates are not fixed, the minimum income requirement can change based on where an applicant lives in New Hampshire. Certain county income requirements may be higher than others based on the demographics.

To apply for Obamacare Medicaid expansion in NH, a standard application will suffice. To obtain the specific Obamacare Medicaid application, go to the local offices for the Healthcare Marketplace in New Hampshire or simply go online to fill out the application in digital format. Despite all residents of New Hampshire being required to have healthcare, Obamacare Medicaid eligibility is not an outright guarantee. Residents who are considering Medicaid must first check their eligibility by looking at household income. To qualify for Medicaid, an applicant’s household income must be significantly less than other same-size households in the area.

Many potential applicants of Obamacare may ask “What is the Obamacare Medicaid expansion really good for?” The Affordable Care Act was made with the extremely impoverished in mind. It was recognized that many families who lived in extreme poverty would never have access to quality healthcare. So, the Obamacare Medicaid expansion details were discussed in an attempt to come up with a better expansion plan to cover healthcare for those who lived in abject poverty, supposing the states they lived in accepted the plan. Not only does this expansion cover the extremely impoverished, but also non-elderly adults without dependent children.

As of now, around thirty states and Washington D.C. have accepted the Medicaid Expansion plan. In 2015 New Hampshire accepted the ACA plan and it has introduced notable changes. Around 42,665 residents in New Hampshire are currently enrolled in Medicaid coverage.  Meaning the uninsured percentage dropped from 13.8 to 12.8 percent in 2014. 

The ACA Medicaid expansion cost to states is 80 cents in New Hampshire. While the federal government did agree to pay the full expansion costs within the first three years, after those three years, only 90 percent would be covered. Residents within New Hampshire were expected to cover the remaining amount.

Does the State or Federal Government Run the Health Insurance Exchange in New Hampshire?

What is the health insurance exchange in New Hampshire? Each state has the option of having its own Obamacare healthcare marketplace, which is generally online. The marketplace for each state oversees the enrollment process into Obamacare. Alternatively named the Obamacare health insurance exchange, this digital marketplace allows New Hampshire’s residents to select healthcare insurance plans. The selection process is quite easy since the marketplace lists all available plans and pricing in a clear, comprehensive manner, so prospective applicants may find the plan best suited for their needs.

Another common question is “What is the marketplace for health insurance?”, which can be broken up into simpler terms for the sake of explanation. The best comparison for the marketplace for health insurance is a shopping website. All of the plans are laid out from various vendors in one place to make comparing plans and prices easier for the consumer. Health insurance exchange regulations are strictly enforced within the marketplace to ensure that companies are not taking advantage of applicants, as well as to categorize all of the available plans for organizational purposes.

Eligibility for Obamacare in New Hampshire

What are the requirements to apply for Obamacare in New Hampshire? There are two main categories an applicant must take into account as they learn how to qualify for Obamacare in New Hampshire. Obamacare income requirements make up the first category, the second being Obamacare coverage eligibility requirements for the state.

When looking solely at who is eligible for Obamacare, the answers are pretty simple: everyone, except non –U.S. citizens and the incarcerated are eligible. Applicants must provide an array of important documentation before they will be considered for assistance in the form of subsidies and tax credits. Social security and documentation for immigrants must be provided along with employer and income information for every member of the household. Furthermore, policy numbers for any current medical plans, medical history, projected income for the current year, and the previous year’s tax information. Any disabilities or preexisting conditions should also be noted.

Not every applicant who applies will qualify for free coverage, but that does not mean they are denied coverage. There are many different coverages available if a family has income that is over the minimum level needed for free coverage. When applying for Obamacare online in New Hampshire, applicants will be given a range of plans that they do qualify for, and they may choose the plan most appropriate for them. However, understand that these plans all come with varying degrees of associated premiums and deductibles.

How to Apply for Obamacare in New Hampshire

Applying for Obamacare often leaves people wondering “What is needed to sign up for Obamacare?” and “Can I apply online for Obamacare?” New Hampshire does offer an online application option for how to enroll in Obamacare, as well as an option to apply in person. A third option exists as well, where applicants may sign up for Obamacare over the phone. Depending on which option an applicant chooses, where to apply for Obamacare will differ.

What do I need to apply for Obamacare in New Hampshire? The documentation required for the Obamacare application process is not extensive. An applicant must provide documentation not only for themselves, but for every member of the household. Among the documentation needed are:

  • Birth certificates
  • Tax information from the previous year
  • Social security numbers
  • Information on any current healthcare plans

For a more specific list on all documentation needed or clarification on how to apply for Obamacare insurance, either go online or get in touch with a marketplace representative. The most difficult part about how to get Obamacare is to make sure that all of the required documentation is in hand to prove income, residency, and identification.

Health Plan Cost and Availability in New Hampshire

How much does Obamacare cost in NH? The answer is that Obamacare health insurance plans costs have no set rate across all counties in NH. An applicant will see Obamacare health insurance price estimates on the exchange. Plans will vary from one applicant to the next based on household income. From that income level, a range of plans will be available. Higher incomes have more available. The four plans available are Platinum, Gold, Silver, and Bronze. These plans are arranged from high price to low and offer different ranges of coverage.

How much will Obamacare insurance cost me? Obamacare health insurance plans costs also do not have set rates from one person to the next, as there are many factors influencing the cost an applicant is expected to pay. Location plays an important role; if an applicant lives in a generally high-income area, his or her costs may be greater than someone who resides in a lower-income area. Also, habits such as smoking will cause a healthcare premium to increase in cost. This is to discourage applicants from engaging in what have been deemed as self-destructive behaviors. To receive an estimate, there are tools available in the Marketplace that will calculate a close estimate of what Obamacare will cost an applicant in their area of the U.S.