Health Costs for Employers - NH Insurance Market
MEMBERSHIP OVERVIEW
In 2008, the average number of members in New Hampshire reported to the NHID was 585,588. Of this total, 34.5% were self-insured membership and 8.0% of the total was membership enrolled in a high deductible health plan (HDHP).
Calendar Year 2008 Membership Distribution
The following is a breakdown of membership by health insurance carrier:
| Health Insurance Carrier/TPA |
Members |
Percent of Total |
| Aetna |
723 |
0.1% |
| American Trust Administration |
203 |
0.0% |
| Anthem-NH |
321,216 |
54.9% |
| Chesapeake Life |
3,543 |
0.6% |
| Cigna |
11,979 |
2.0% |
| Conn Gen Life Ins (Cigna) |
74,575 |
12.7% |
| Fidelity |
406 |
0.1% |
| Golden Rule |
332 |
0.1% |
| Guardian Life |
461 |
0.1% |
| Harvard Pilgrim Health Care |
148,174 |
25.3% |
| John Alden |
1,681 |
0.3% |
| Mega Life & Health |
3,811 |
0.7% |
| MVP |
13,946 |
2.4% |
| Time Insurance Company |
3,754 |
0.6% |
| United |
786 |
0.1% |
The following is a breakdown of membership by market category (employer group size):
| Market Category |
Members |
Percent of Total |
| Employers with 1 Employee |
10,673 |
1.8% |
| Employers with 2-9 Employees |
53,289 |
9.1% |
| Employers with 10-25 Employees |
47,466 |
8.1% |
| Employers with 26-50 Employees |
40,037 |
6.8% |
| Employers with 51-99 Employees |
38,377 |
6.6% |
| Employers with >= 100 Employees |
351,173 |
60.0% |
| Individual (as group conversion) |
514 |
0.1% |
| Individual Policy |
34,287 |
5.9% |
| Employers Through Qualified Trust |
9,773 |
1.7% |
The following is a breakdown of membership by coverage category (line of business):
| Insurance Type |
Members |
Percent of Total |
| Indemnity |
18,298 |
3.1% |
| HMO |
326,182 |
55.7% |
| POS |
68,668 |
11.7% |
| PPO |
172,441 |
29.4% |
The following is a breakdown of membership by coverage type:
| Coverage Type |
Members |
Percent of Total |
| Self Funded without Stop Loss |
91,247 |
15.6% |
| Self Funded with Stop Loss |
110,627 |
18.9% |
| Underwritten |
381,782 |
65.2% |
| Short Term, Non-renewable Health Insurance |
1,933 |
0.3% |