Get the Coverage You Need

Permanent Individual Health

If you're self employed, or otherwise not covered by a group health plan, we can get you the insurance you need. We use all the best individual health carriers to make sure you always get the best deal. We can also show you how you might save on your premiums by using an individual High Deductible Health Plan.

In New Hampshire we have three stong individual health insurance providers we most frequently use with our clients. If you were to call us at 603-435-6767, we would be happy to do the comparison work for you. If you want to do it yourself, all three can be purchased online right now through our site. The advantage of using our site is if you have any issues either signing up, getting your policy or using your policy you will have us to help you.

So if you really want to do this alone, here are the three companies we suggest you check out. It's also worth noting that we work with the NH Health Plan and can help people get coverage even if  one or more of our primary carriers turns you down.

High Deductible Health Plans

We are finding a lot of our clients are inquiring about High Deductible Health Plans. (with or without Health Savings Accounts/HSA's)

At The Paige Agency we are well equipped to handle these inquiries. We work with all of the major HDHP providers to make sure you get the best products at the best possible rate. Generally we need the HDHP premiums to be somewhere between 15% and 30% below the conventional plans, for these plans to make economic sense. The trade-off is a much higher initial deductible before the insurance company begins paying.

As an offset to these deductibles, the IRS is allowing people who participate in HDHPs to open what are called Health Savings Accounts. HSAs are a big step up from the older Medical Savings Accounts (MSA) and Flexible Spending Accounts (FSA). The new HSAs are both durable and portable. Also, any money in an HSA which isn’t spent on health related expenses rolls over to be used in future years.

We can help you look at the pros and cons of High Deductible Health Plans and help you choose the plan that works best for you.

If you already have a high deductible plan and want an HSA HSAresources has created a simple way to do this online. you can start up a plan in minutes by clicking below.

 

For those that qualify, we can also help you sign up for the New Hampshire Health Plan.

Short -Term Health

Maybe you're between jobs and looking for a lower cost alternative to COBRA (Consolidated Omnibus Budget Reconciliation Act - Congress passed this to let you continue your group health plan even after you've left your employer). Perhaps you've just graduated from school and are still looking for your first job. Maybe you're stuck in an employer's waiting period and aren't yet eligible for health insurance. Whatever the reason, if you have a short term health insurance need we can help you to get short term health care as soon as tomorrow. You can call us at the office or use the following links to sign up on line.

Even if you sign up on line, you'll still be able to receive our famous Paige Agency service. If you hae questions on the application, or need help understanding the product give us a call. We're here to help you through this.

Time insurance insurance will allow you to sign up on line from right here:

John Alden offers identical health products, but they include a small term life insurance policy at a very competitive rate. 

CLICK HERE FOR JOHN ALDEN SHORT TERM HEALTH PLAN

Students 

 If you're no longer covered by your parents, or you're in school outside their plan's service area, you should check out Student Select by Time - a health insurance product designed specifically for the needs of students.  

CLICK HERE FOR STUDENT SELECT BY TIME