Self-Employed
No Employees (includes Self-employed Individuals)

A small business owner with no employees to insure has two choices: Individual health insurance, or Small employer health insurance (group). The laws, rules, and regulations are different for each one. Carefully look at both options, their advantages and disadvantages, what you need, and what you can afford to pay each month. It is generally true that group health insurance is less expensive than individual health insurance, but that is not always true. Be a wise shopper for the coverage that is best for you at a price you can afford.

Your Options for Individual Health Insurance include:

PRIVATE OPTIONS

• Private health insurance carriers *
• COBRA/NH Continuation/HIPAA
• Associations

* A list of carriers licensed to do business in New Hampshire can be found on the NH Department of Insurance website.

PUBLICLY-FUNDED PROGRAMS

• Medicaid (you must meet eligibility guidelines)
• Medicare (age or disability eligible)
• NH Healthy Kids (children under age 19)

Your Options for Small Employer Health Insurance (group of 1) Coverage include:

PRIVATE OPTIONS

• Private health insurance carriers *
• Associations

* A list of carriers licensed to do business in New Hampshire can be found on the NH Department of Insurance website.

PUBLICLY-FUNDED PROGRAMS

• Medicare(age or disability eligible)
• NH Healthy Kids (children under age 19)

SPECIAL NOTE: If you are self-employed (a group of 1) and want to purchase small employer health insurance for yourself and your family, you may only do so during March and September (open enrollment period).

For a quick summary of the options outlined above, Click Here.