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Are health insurance companies required to issue individual policies to anyone who applies in New Hampshire?

April 26, 2017applies companies health insurance individual ISSUE New Hampshire policies

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Are health insurance companies required to issue individual policies to anyone who applies in New Hampshire?

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No. Unlike in the neighbors Maine, Massachusetts and Vermont, where health insurance is a “guaranteed issue” item, in New Hampshire individual health insurance is “fully underwritten.” What this means is an insurance company that issues individual coverage underwrites the applications prior to the policy being issued. Underwriting is based on many things including (but not limited to) age, health status, occupation, and certain hobbies. Consequently, in New Hampshire a company may (1) issue the policy as you applied for it; (2) issue the policy with stipulated exclusions either for a limited or unlimited period of time; (3) issue the policy with an added premium; or (4) decline to issue you the policy.