New Hampshire

Being self-employed means that you may have a limited range of options when it comes to health insurance policies. 

The good thing is that in New Hampshire, you can get a NH group health insurance policy if you are self-employed. You can do this if your business qualifies for it. 

To qualify, you need to have at least one full time worker that isn’t your spouse. Should you not have any other employees other than yourself and your spouse, you will have to apply for an individual health insurance plan.

Unlike some other states New Hampshire doesn't make special consideration for self-employed health insurance plans when it comes to enrollment windows. Should you get an individual health plan you will most likely be limited to the November 1st to December 15th enrollment window. 

However, as with regular individual plans, you can get exceptions to this enrollment period as long as you have a qualifying life event.

Benefits of New Hampshire Self-Employed Health Insurance

  • Considering you would be paying the premium and receiving the benefits, you are eligible for high deductible and low cost comprehensive plans like PPOs.
  • Individuals that get self-employed insurance for themselves and their families are eligible for tax deductibility. This means they are able to deduct 100% of their premium.
  • If you are a small business owner, you might be eligible for tax credit, which can help reduce the cost of your employees’ premiums.
  • Being self-employed also means that you can be eligible for a group plan. And being part of a group plan means that you can pay for insurance coverage using pre-tax dollars. This has the benefit of significantly reducing your contribution amount once the year ends.

Health Insurance Companies that Provide Self-Employed Health Insurance Coverage In New Hampshire

  • HPM Insurance
  • Blue Cross Blue Shield
  • Anthem
  • Minuteman Health
  • Harvard Pilgrim Health Care
  • Community Health Options

When shopping around for self-employed insurance or any type of insurance for that matter, it is always a great idea to compare the health insurance policies of various companies so that you can get a great idea of which plan is best suited to you. However, doing this all by yourself can be challenging and downright time consuming. And when you are self-employed, you are always searching for ways to make your time more efficient.

If this sounds like you, then you’d be happy to know that Very Good Coverage aggregates all the health insurance policies within your insurance jurisdiction to give you the best quote that matches not only your income level but also your coverage needs.


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