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Medicare Supplements

Local Experts for Medicare Supplements, Medigap, Medicare Advantage and Prescription drug plans for New Hampshire.

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Home Insurance

Get exceptional home insurance at exceptional rates. Call today for a free quote.

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Commercial Package Policies

Put all your business policies together.

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New Hampshire Health Insurance

Germain Insurance wants to help you navigate through Obamacare NH and get New Hampshire Health Insurance for you and your family.

New Hampshire Health InsuranceAlthough it seems that our choices to buy New Hampshire Individual Health Insurance is more complicated than ever and that the carriers to choose from has decreased, that is actually not the case. The simple fact is that there are more choices available for Manchester, New Hampshire Health Insurance then ever before. Under the Affordable Care Act (Obamacare NH), New Hampshire residents have seen an increase in the availability of Individual Health Insurance NH carriers but you should use a licensed insurance broker to help complete your decision on which company and plan to buy.

Why Individual New Hampshire Health Insurance has seen such turmoil?

In 1994 SB 711 passed this New Hampshire legislation and the choices for New Hampshire Health Insurance became very limited, see Under this new law 6 out of 10 insurance carriers discontinued issuing new Health Insurance NH policies and cancelled existing policies. So with the enactment of the new Federally Facilitated Market place (Obamacare NH), the entire country has been forced into similar rules and the insurance companies must comply to be able to continue to offer Individual Health Insurance NH.

What types of individual New Hampshire Health Insurance are available?

Under the new Federally mandated health care law there are 5 levels of coverage available and all insurance carriers providing coverage must provide basic coverage’s under these rules.

  • Catastophic (up to age 30)
  • Bronze
  • Silver
  • Gold
  • Platinum

For an explanation of each of these different levels of coverage please feel free to give us a call or fill out the contact me form for a phone conversation of a personal visit from one of our licensed representatives, You can also access a free quote using the following link for Ambetter in New Hampshire.

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Auto Insurance

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