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New Hampshire

New Hampshire Small Business Health Insurance

Different New Hampshire health insurance laws apply to health insurance for small businesses and the self-employed. Often these types of health insurance policies are easier to qualify for than an individual health insurance policy, even if you are not in the best of health.

This guide:

  • Describes small business health insurance laws in New Hampshire

  • Briefly explains self-employed New Hampshire health insurance

  • Alerts you to a beneficial tax deduction

We also have a guide to New Hampshire health insurance for families and individuals.

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New Hampshire small business health insurance

According to New Hampshire health insurance laws, small group health insurance must be sold to any small business that qualifies. In addition, a small business with 2 to 50 employees must be offered the same New Hampshire small business health insurance policy the insurance company sells to other small businesses.

New Hampshire health insurance companies can impose one requirement on small businesses wanting to buy a group health insurance policy. A minimum enrollment requirement for New Hampshire small business health insurance may be applied, at the insurance company's choice. If the insurance company implements this rule, a certain percentage of employees must purchase health insurance through the group plan or the policy will be rescinded.

Besides regulating who is eligible for New Hampshire small business health insurance, New Hampshire health insurance laws do not allow premiums to increase due to the group's health status and risk.

Finally, New Hampshire health insurance companies cannot cancel a New Hampshire small business health insurance policy because an employee becomes ill.

Self-employed New Hampshire health insurance

The approach different states take to the issue of how to treat health insurance for the self-employed varies. In New Hampshire, the self employed are allowed to purchase a small group health insurance policy even if there are no other employees.

Being a self-employed individual buying New Hampshire health insurance can be quite costly. However, there is relief from this cost through an itemized tax deduction. A percentage of your annual New Hampshire health insurance premiums can be deducted from taxes if you are self-employed and buying your own health insurance.

More NH small business health insurance help

If you want more help getting the best health insurance policy to meet your needs, read our guide to small business health insurance.

To find out more about NH group health insurance laws and regulations, visit the official website of the New Hampshire Insurance Department.

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This internet site provides information of a general nature for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent insurance professional licensed in your state with respect to your particular situation.