New Hampshire Medical Insurance Assistance

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The New Hampshire Medical Insurance Assistance Program (MIAP)

The New Hampshire Medical Insurance Assistance Program (MIAP) is a state-funded program that helps eligible residents pay for health insurance premiums. MIAP is available to residents who are not eligible for Medicare and who do not have access to affordable health insurance through their employer or another source.

To be eligible for MIAP, applicants must have an adjusted gross income (AGI) of less than or equal to 400% of the federal poverty level (FPL). For a family of four, this means an annual income of less than $97,400. Residents must also be between the ages of 19 and 64, and must not be currently enrolled in Medicaid or another state-sponsored health insurance program.

MIAP covers a variety of health insurance plans, including both individual and family plans. Coverage is available through both private insurers and the New Hampshire Health Plan (NHHP), a state-sponsored health insurance program. Premium assistance is available for plans with deductibles of up to $5,000 for individuals and $10,000 for families.

MIAP is administered by the New Hampshire Department of Health and Human Services. For more information about the program, including how to apply, please visit the DHHS website or contact the MIAP program manager at 1-800-852-3345 ext. 2140.

How MIAP can help you

The New Hampshire Insurance Assistance Program (MIAP) is a state-funded program that helps eligible New Hampshire residents pay for health insurance premiums.

MIAP can help you if you are:
-A New Hampshire resident between the ages of 19 and 64,
-Not eligible for Medicare, and
-Not receiving health insurance through an employer or another source.

If you qualify for MIAP, the program will pay a portion of your health insurance premiums, up to a maximum amount based on your income. You will be responsible for paying the remainder of your premium directly to your insurance company.

MIAP can help you pay for health insurance through any insurer that offers individual plans in New Hampshire, including Anthem Blue Cross and Blue Shield of New Hampshire, Harvard Pilgrim Health Care, Minuteman Health, and Tufts Associated Health Plans.

You can apply for MIAP assistance by completing an online application or by calling the program at 1-800-852-3345 ext. 2.

Applying for MIAP

The New Hampshire Department of Health and Human Services’ Medical Insurance Assistance Program (MIAP) helps eligible Granite State residents pay for health insurance premiums and other out-of-pocket expenses associated with their coverage.

In order to be eligible for MIAP assistance, applicants must:
-Be a New Hampshire resident
-Be a U.S. citizen or have legal immigration status
-Be between the ages of 19 and 64
-Not currently be enrolled in Medicare
-Meet income guidelines (based on household size)

To apply for MIAP assistance, interested individuals can complete an online application or contact the program directly at (603) 271-9302.

Eligibility requirements for MIAP

In order to be eligible for the Medical Insurance Assistance Plan (MIAP), residents of New Hampshire must meet the following requirements:
-Be a citizen or national of the United States or meet the residency requirements for Medicaid
-Be a resident of New Hampshire
-Meet the income guidelines for MIAP (for 2019, income must be at or below 138% of the federal poverty level)
-Not be eligible for any other form of health insurance coverage, including Medicaid

What types of insurance does MIAP cover?

MIAP will work with most health insurance policies; however, there are some that we are unable to work with. If you have one of the following types of insurance, we may not be able to help you.

-Government run health insurance programs like Medicare, Medicaid, and Tricare
-Short-term health insurance policies
-Health sharing ministries
-Liability insurance policies
-Workers’ compensation insurance policies

How much does MIAP pay?

MIAP, or the Medical Insurance Assistance Program, is a need-based program that helps New Hampshire residents with the cost of health insurance. The program pays a percentage of the premium for certain health insurance plans, and also covers some out-of-pocket expenses such as co-pays and deductibles.

MIAP is designed to help residents who do not have access to affordable health insurance through their employer or another source. To be eligible for MIAP, residents must have an annual income that is below 400% of the federal poverty level and must not be eligible for Medicaid.

MIAP will pay up to 80% of the premium for a health insurance plan but the exact amount will depend on the individual’s income and family size. Additionally, MIAP will cover up to $500 in out-of-pocket expenses per year.

How often does MIAP pay?

MIAP assistance is paid out every month.

How does MIAP work with other insurance?

Medicare Intercept and Assistance Program (MIAP) helps with your Medicare Part A and Part B costs. It’s a state-funded program for New Hampshire residents who have Medicare and meet the income and resource guidelines.

MIAP pays premiums, annual deductibles, and co-insurance for Medicare Part A (hospital insurance) and Medicare Part B (medical insurance).

MIAP may also pay your Medicare Part B late enrollment penalty if you didn’t sign up for Part B when you first became eligible.

If you have other health insurance, MIAP may pay some or all of your out-of-pocket costs not covered by your other insurance.

What if I have questions about MIAP?

If you have questions about MIAP, please contact the New Hampshire Insurance Department at 1-877-NHID123 (1-877-644-3123) or visit www.nhid.org.

Where can I get more information about MIAP?

The NH Medical Insurance Assistance Program (MIAP) can help with the cost of health insurance premiums for eligible NH residents. For more information about MIAP, please visit the NH Department of Health and Human Services website or contact the MIAPCall Center at 1-866-444-4224.