Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Not a government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
New Hampshire uses the federal marketplace at HealthCare.gov. About 66,000 residents are enrolled, and roughly 55% qualify for a premium subsidy — a lower share than many states, which reflects the state's higher incomes, so it's worth running your exact numbers rather than assuming you won't qualify.
When you work for yourself, nobody hands you a benefits package. The good news: as a self-employed person your income is what determines your ACA premium tax credit, and self-employed people often have more control over their Modified Adjusted Gross Income than W-2 employees do. Structuring income and deductions well can meaningfully lower what you pay for a marketplace plan.
Self-employed health insurance premiums are frequently deductible above the line on your federal return (the self-employed health insurance deduction), which effectively discounts your coverage again at tax time. Pairing an HSA-eligible high-deductible plan with an HSA is a common strategy for 1099 earners who want to shelter income and build a medical nest egg.
We help New Hampshire freelancers and business owners compare marketplace plans (with subsidies) against private off-marketplace plans side by side, so you can weigh network breadth against price without guessing.
New Hampshire does not run its own exchange — marketplace plans here are sold through the federal marketplace, HealthCare.gov. In practice that means the enrollment windows, the eligibility rules and the appeals process are the federal ones, and the plan you buy through a licensed agent is the identical plan at the identical price you would find on HealthCare.gov yourself. New Hampshire uses the federal marketplace, HealthCare.gov, for individual ACA enrollment.
If your 1099 income puts you above roughly 138% of the federal poverty level, New Hampshire's Medicaid expansion isn't your lane — the premium tax credit is, and self-employed people have more control over the Modified Adjusted Gross Income that sets it than almost anyone. The one thing to watch is the floor: estimate a year low enough and the marketplace will route you to Medicaid instead of a subsidized plan, so estimate honestly and update it when the year comes in stronger. New Hampshire expanded Medicaid (Granite Advantage), covering adults up to 138% of the poverty line, which sets the floor below which marketplace subsidies don't apply.
The carriers writing individual business in New Hampshire include Anthem Blue Cross Blue Shield (Matthew Thornton Health Plan), Harvard Pilgrim Health Care, WellSense Health Plan. Networks and pricing are set county by county rather than statewide, so the same carrier can be the best value in one metro and the wrong choice an hour away. We quote Manchester, Nashua and Portsmouth & the Seacoast — and every county in between.
Don't see yours? Call a licensed agent — most answers take under two minutes.
It depends on your income and who needs coverage, but for most self-employed residents of New Hampshire a subsidized ACA marketplace plan is the strongest option — it's guaranteed-issue, covers pre-existing conditions, and the premium tax credit is income-based. We compare it against private plans so you see the full picture.
It depends on income — only about 55% of enrollees here get a subsidy, so for some a subsidized marketplace plan is cheapest and for others an off-marketplace or short-term option fits better. We run both for your exact situation.
Through HealthCare.gov, the federal marketplace — New Hampshire does not run its own exchange. You can enroll in those same plans through a licensed agent at no extra cost, which also lets you see private off-marketplace plans that HealthCare.gov does not list.
The carriers writing individual business in New Hampshire include Anthem Blue Cross Blue Shield (Matthew Thornton Health Plan), Harvard Pilgrim Health Care, WellSense Health Plan. Which of them is actually competitive depends on your county rather than the state — the lineup and the networks in Manchester are not the lineup in Portsmouth & the Seacoast. We are independent and compare across all of them rather than steering you to one company.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.