The cost of health insurance in New Hampshire is going up faster than almost any other fixed cost. In fact, health care premiums are so expensive that almost half of all New Hampshire families say that paying their monthly health care premiums puts a huge strain on their monthly budget.
If your company offers a group health plan, you should look into it. Group plans are almost always cheaper than individual plans.
Even though the premiums for health care in New Hampshire are high, the New Hampshire Health Plan, or NHHP, makes things better than in many other states.
Under the NHHP, many New Hampshire residents who can't afford or don't qualify for private health insurance (often because they already have a health problem) can still get state-sponsored health insurance. Go to http://www.ezquoteguide.com to see if you can get New Hampshire's NHHP health insurance.
But even if you do qualify for NGGP insurance, there are still a number of things you can do right now to lower the monthly cost of your health insurance.
You can stop smoking or using tobacco products, for one thing. People who smoke pay 30 or even 50% more for health insurance than people who don't smoke. In the same way, overweight people pay more for health insurance because they are more likely to have health problems. There are many good reasons to lose weight, and one of them is that you will pay less for health insurance.
You might also have to pay more each month if you have a dangerous job or drive a sporty car.
Many health insurance plans let you choose how much your co-payment will be (copay). Your monthly premiums can be cut by a lot if you raise your copay. This means you'll pay more each time you see your doctor for a routine checkup or have lab work done. If you don't usually go to the doctor very often, this could be a great choice for you.
Increasing your annual health insurance deductible is one of the quickest ways to lower your monthly health insurance premium. Your monthly premiums will be lower the more you are willing to pay out of pocket for your health care before you ask your insurance to start paying.
Lastly, go online and look at your options on two or more of the many websites that let you quickly compare the prices of different insurance policies from different companies. So that you can compare as many companies as possible, you should really take the time to fill out the forms on at least two (and preferably three) different comparison websites.
After comparing prices on at least two different websites, you can be sure you've found the most affordable health insurance in New Hampshire.
