Insurance Help

If you recently lost your employer-sponsored health insurance, here is some info from the State of New Hampshire that may help:

Families First accepts all kinds of health insurance, including most private insurance plans, Marketplace plans, NH Medicaid, MaineCare and Medicare, and we can help you find out if you are eligible for a free or inexpensive insurance plan.

No one is ever turned away from Families First due to lack of health or dental insurance or inability to pay. If no insurance is available to you, you can apply for a discount based on your income.

How to get help exploring your options

Families First is here to help New Hampshire residents learn about options for affordable health insurance through the New Hampshire Marketplace and Medicaid. Our enrollment counselors will work with you to figure out which health insurance coverage you may be eligible for. (Maine residents should call York County Community Action at 800-965-5762.)

For your free enrollment appointment, contact our enrollment specialists by email or at 603-516-2556. Please include your full name and phone number in your message.

What coverage am I eligible for?

Use the chart below to get an idea of what coverage you may qualify for, then scroll down to learn how we can help you get started. Both programs help pay for regular checkups, prescription drugs, ER visits, hospital stays, specialist visits, and mental health and substance use treatment.

Health Insurance Marketplace (info) Granite Advantage Health Care (info)
Number in your household ↓ Offers reduced monthly premiums if your estimated 2020 annual household income is in the range below. You may also qualify for extra help with deductibles and copays. Also known as Expanded Medicaid—offers free coverage for eligible adults ages 19-64 whose monthly gross  household income is no more than …
1 $17,236 – $49,960 $1,436
2 $23,336 – $67,640 $1,945
3 $29,435 – $85,320 $2,453
4 $35,535 – $103,000 $2,961
5 $40,601 – $117,680 $3,470
Note: Even if you don’t see your household income on the chart above, you or your children may be eligible for other types of Medicaid coverage. To learn more about and apply for NH Medicaid, visit this page.

“Expanded Medicaid” aka Granite Advantage

This program is for adults (ages 19-64) residing in New Hampshire whose incomes are below certain levels (see chart above). You may apply at any time during the year. Once enrolled, you will pay little or nothing for your medical appointments at Families First, specialty care, hospital services, prescriptions, blood work and other tests!

Under the Granite Advantage Health Care Program coverage is provided through either NH Healthy Families, Well Sense Health Plan or AmeriHealth Caritas. Learn about these plans here.

Don’t forget: For your free enrollment appointment, contact our enrollment specialists by email or at 603-516-2556. Please include your full name and phone number in your message. (Maine residents should call York County Community Action at 800-965-5762.)

Information to have ready for each household member:

  • Date of birth
  • Social Security number
  • Documentation of income for the last 30 days (pay stubs, Social Security letters, etc.)
  • Most recent tax returns (if any)
  • All employers’ names, addresses and phone numbers
  • Immigration documents (if applicable)


Open enrollment for coverage under Marketplace plans is closed, but you may qualify for a special enrollment if your circumstances have changes, such as if you lost your job. Contact our enrollment specialists by email or at 603-516-2556. Please include your full name and phone number in your message.

To Get Started
1) Prepare your 2019 income estimate. Write down how you did it!
2) If you have a household member who has access to insurance at work, complete this employer coverage tool.
3) Use the online shopping tool to see what plans you might buy and compare coverage details and costs.

If keeping your current doctors is important to you, call your doctors and ask them which of the Marketplace insurance plans they accept. Families First is in-network for Ambetter, Anthem, and Harvard Pilgrim. This Marketplace Plan Selection Worksheet may help you.

Information to have ready for each household member:

  • Your written estimate of household income for 2019 and how you calculated it
  • A completed Employer Coverage Tool for every job-based plan for which you or someone in your household is eligible (even if you don’t take the insurance).
  • Immigration documents (if applicable)
  • Income information for every member of your household (most recent tax returns, pay stubs, Social Security letters, etc.)
  • Home and mailing addresses for everyone applying for coverage
  • Dates of birth
  • Social Security numbers
  • Employers’ names, addresses and phone numbers
  • Notices from your current plan that include your plan ID#, if you had Marketplace insurance in 2018
  • If you have email, make sure you know your email address and password.

For more information on the Health Insurance Marketplace:

  • Visit or contact the call center, which is open 24/7, at 1-800-318-2596 (TTY: 1-855-889-4325).


If you or anyone in your household has experienced a life change recently, you may qualify for a Special Enrollment Period (SEP), which allows you to add or change coverage outside of the Open Enrollment period. Some qualifying life changes include a birth or death, marriage, change in employment, a loss of health insurance coverage, or a move to New Hampshire.  Your SEP will last for 60 days following the qualifying event, during which time you should get insured. More info on Special Enrollment Periods.