What is the New Hampshire Health Protection Program (NHHPP)?
In 2014, changes in state law created the New Hampshire Health Protection Program, a part of the New Hampshire Department of Health and Human Services. The Health Protection Program allows many low-income Granite Staters to enroll in a health insurance plan at little or no cost. Even if you already have health insurance, you may still be eligible to sign up for coverage through the Health Protection program, substantially reducing your monthly costs for health insurance. And if you’re not already covered, you may be eligible to get covered now!
Who’s eligible for the New Hampshire Health Protection Program?
The program is available to individuals/families aged 19 through 64 whose incomes fall below a certain level. To check if you may be eligible, find your household size on the chart below and see if your income is equal to or less than the following levels:
What medical services are covered through the New Hampshire Health Protection Program?
While coverage will vary depending which option you’re eligible for, all of the coverage options available through the New Hampshire Health Program are required to cover services like regular check-ups with your doctor, emergency room visits, prescription drugs, visits to specialists, and more.
The New Hampshire Health Protection Program provides health coverage through these options:
Health Insurance Premium Payment Program (HIPP): If you or someone in your family is eligible to receive health insurance through an employer, you may qualify for help in covering your insurance costs. If you are eligible for the HIPP Program, the New Hampshire Health Protection Program will pay your share of the insurance costs. For more information: Health Insurance Premium Payment Program (HIPP).
Premium Assistance Program: If you are New Hampshire residents between the ages of 19 to 65, and meet certain household income levels and other requirements you may be eligible for the Premium Assistance Program (PAP). Through this program you will get your health coverage through a commercial health plan called a Qualified Health Plan (or QHP) through the NH Marketplace. You will be able to choose from a group of health plans that are available to you based on where you live. You will have 30 days from the date of your letter to choose a QHP. If you don’t choose a QHP by the due date, you will be assigned to a QHP in your county. It’s best for you to choose the QHP you want so that you can look for the health plans that work with the providers you see now and offer the medications you use. An adult with special health care needs and/or disability could declare themselves Medically Frail but should consider if a QHP might suit their needs better. If someone states they are Medically Frail, they cannot pick a QHP through the Premium Assistance Program.
Medically Frail: If you have a physical, mental or emotional condition that causes limitations in daily activities; or you reside in a medical facility or nursing home then you could self-identify as medically frail. People who are medically frail are excluded from the Premium Assistance Program. People who identify this way will be enrolled through a managed care organization and have an option of Alternative Benefit Plan (ABP) or you can select the Standard Medicaid package of benefits. Careful consideration needs to be given whether to select ABP or Standard Medicaid as they do not cover the same things. After a person states they are medically frail, they will receive a letter letting them know they have been auto enrolled in the Alternative Benefit Plan. If they would rather have standard Medicaid, there is section on the letter where they can make this choice and then they must mail that section to the address stated or call: 888-901-4999. If someone is enrolled in the ABP add discovers later it does not work for them, they can switch to standard Medicaid at anytime.
How to apply for coverage through the Health Protection Program:
- Online: Fill out an application at nheasy.nh.gov or healthcare.gov
- Phone: Call (888) 901-4999 for personalized assistance (Monday – Friday, 8am – 4pm)
- Paper Application: Download a paper application at dhhs.nh.gov
- In-Person: Find the New Hampshire Department of Health and Human Services district office closest to you. (See sidebar)
NOTE: If you previously signed up for a health insurance plan through Healthcare.gov and think you may be eligible for coverage through the Health Protection Program, please contact the Medicaid Service Center at (888) 901-4999.