Risk pool and grandmothered plans
In November 2013, New Hampshire’s Insurance Commissioner Roger Sevigny announced that the state-run high risk pool (New Hampshire Health Plan) would remain in effect “until the federal marketplace is fully available (it had previously been scheduled to cease operations on December 31). The risk pool ceased operations on June 30, 2014, another sign that Obamacare (along with HealthCare.gov) is now working quite well in New Hampshire.
New Hampshire allowed existing 2013 health plans to renew until late 2014, but residents also had the option to cancel their existing plan and switch to a new ACA-compliant policy instead. Anthem Blue Cross Blue Shield announced in May 2014 that they will accept the government’s offer to further extend pre-ACA policies that were carried over from 2013.
Policy-holders with pre-2014 plans that had been scheduled to terminate between October 1 and December 1 will be allowed to renew those plans for one additional year, into 2015. Those insureds will also have the option to enroll in an ACA-compliant plan instead if they prefer.