See FULL report dated July 27, 2021 by the NAIC HERE.

Why Market Share Matters in 2026
In 2026, we are seeing a significant shift in the New Hampshire landscape. With "Medicare Advantage Pullbacks" affecting many residents, more Granite Staters are returning to Original Medicare paired with a Medicare Supplement plan.

• Anthem Blue Cross Blue Shield remains the dominant leader, with over one in three NH Medigap policyholders choosing their plans.
  
  
• UnitedHealthcare holds the second-largest position, capturing 25.5% of the market.
  Other notable players include Harvard Pilgrim and Aetna, which combined represent over 14% of the total market.

Understanding market share is useful for gauging rate stability and carrier longevity. With direct premiums earned for Medigap plans in NH reaching over $271 million, the competition remains high, which can lead to more attractive benefits for local seniors.

Get a Professional Review
Navigating the various insurers in New Hampshire can be overwhelming. If you or a loved one needs help comparing the latest Medigap rates for Plan G, Plan N, or other options, please Call us today: 603-882-2909
​​ 
If you would like a to see an overview of the NH Medicare Supplement market for you, or a loved one,  please call us at 603-882-2909. You may also request a  NH Medicare Supplement ONLINE quote HERE.

Atlantic Insurance & Benefit Co. specializes in all kinds of insurance for seniors, including Home, Car, Umbrella, Medicare Supplement and Medicare Advantage.

Article by Stephen Donohue, Nashua NH Senior Medicare Supplement Insurance Agent

NH Medicare Supplement 2026: Resources for New Hampshire Seniors

If you are a New Hampshire senior looking for NH Medicare coverage in 2026, there are several tools and resources available to help you navigate your options. Choosing the right plan can be overwhelming, but these four resources provide the transparency you need to make an informed decision.

1. The NH Insurance Department Medicare Supplement Rate Dashboard
The NH Insurance Department offers a neat and helpful rate calculator. This tool allows you to view rates for 2026 NH Medicare Supplement plans offered by every insurer in the state. 

• Key Features: You can sort results by age, plan type (e.g., Plan G or N), gender, and insurance carrier. There are 23 different insurers offering Medicare Supplement/Medigap Plans in NH.
• Pro Tip: While this tool is excellent for base rates, it does not show specific payment options or various household discounts. A local NH Medicare agent can help you identify these additional savings to lower your monthly premium.
• ​Visit the NH insurance Department Medicare Rate Dashboard here.

2. Medicare.gov Plan Compare Tool The official Medicare.gov Plan Compare tool is the gold standard for researching Medicare Part D (Prescription Drug) and Medicare Advantage plans.
By entering your zip code, you can:

• Manage Medications: Input your specific prescriptions to see exactly how different 2026 Part D plans will cover your costs.
• Check Pharmacy Networks: Compare costs between your preferred local pharmacy and mail-order options.
• Verify Doctors: If you are considering a NH Medicare Advantage plan, you can search for your specific doctors and specialists to ensure they are in-network.

Note: While this site lists Medigap plans, for the most accurate and up-to-date pricing, the NH Insurance Department Dashboard mentioned above is generally more precise for our state.

3. ServiceLink: Aging & Disability Resource Centers (ADRC)
Formerly known simply as ServiceLink, the Aging & Disability Resource Centers (ADRC)  provides unbiased, one-on-one counseling. There are locations throughout New Hampshire where seniors can meet with a representative to sort through Medicare options, including the Low-Income Premium Subsidy and Qualified Medicare Beneficiary (QMB) programs.

Nashua Office Information:

• Location: Hillsborough County ADRC
• Address: 70 Temple Street, Nashua, NH 03060 (Downtown in the Nashua Senior Center!)
• Phone: 603-598-4709 | Toll-Free: 1-866-634-9412
• Website: NH DHHS Adult and Aging Care

4. New Hampshire’s 2026 Guide to Medicare Supplement Insurance
Each year, the NH Insurance Department releases an updated publication specifically for residents. This guide is essential for anyone comparing NH Medigap plans.
In 2026, there are 23 different insurers offering Medicare Supplement plans in New Hampshire. This guide provides:

• A complete list of all active insurance companies in the state.
• A breakdown of the different standardized plans (A through N).
• A Summary of NH Medigap insurance carriers with their rates

5. In Person Help
Need Help Navigating 2026 NH Medicare Options?

While online tools are excellent for initial research, the "human element" is vital when making decisions about your healthcare. Every senior’s situation is unique, and a local expert can identify specific household discounts or plan nuances that a calculator might miss.

Steve Donohue and the team at Atlantic Insurance & Benefit Company are here to help. As a 5-star rated agency, we have been proudly serving New Hampshire seniors and the surrounding New England region since 1998. Based right here in Nashua, NH, we specialize in simplifying the complexities of Medicare to ensure you receive the most comprehensive coverage at the best possible price.
​
Ready to compare your 2026 options?

• Call us: 603-882-2909
• Visit us: 375 Main Street, Suite 100, Nashua, NH 03060
• Online: Request a NH Medicare Consultation​

​


The auto insurance landscape is rapidly changing, and these shifts directly impact New Hampshire drivers and their car insurance premiums. Insights from the 2025 LexisNexis® U.S. Auto Insurance Trends Report reveal key trends, and as your local Nashua insurance agency, we're here to help you understand them and secure the best car insurance rates in NH.

Risky Driving: Impact on NH Auto Insurance
A major concern is the staggering 50% increase in distracted driving violations nationwide from 2023 to 2024. This trend unfortunately translates to more accidents and higher claims costs, which can ultimately drive up New Hampshire auto insurance rates. Whether you're driving in Nashua or anywhere else in NH, distracted driving impacts everyone.

Beyond distracted driving, overall driving violations are up 17% year-over-year, surpassing pre-pandemic levels. This includes significant increases in speeding tickets in NH and an 8% rise in DUI incidents. These escalating risky behaviors directly affect road safety and the overall cost of NH car insurance.

Your Rates & Finding Affordable Car Insurance in NH
Higher claims often lead to higher premiums. While national rate increases slowed in 2024 (up 10% vs. 15% in 2023), the market remains dynamic. Some positive news: stabilization has allowed a few insurers to even file for rate decreases, which could benefit New Hampshire drivers.

Crucially, policy shopping hit an all-time high, with over 45% of policies shopped at least once. This shows NH car insurance customers are actively seeking better value. We've especially noted this trend among older clients and long-term policyholders here in New Hampshire. If you're looking to compare car insurance quotes in Nashua, NH, now's the time.

​
Why Choose a Local Nashua Insurance Agent for Your NH Car Insurance?
As your local Nashua insurance agency, we partner with a wide array of trusted National Insurers like Liberty Mutual, Safeco, and Progressive, as well as reputable Regional Insurers such as Plymouth Rock and Concord Group. This broad access means:

• More Choices for NH Drivers: We aren't tied to one company, allowing us to genuinely shop for different car insurance coverage options in New Hampshire that fit your specific life in Nashua or beyond.
• Uncover the Best Deals in NH: We understand the nuances of each insurer's offerings and can uncover the best car insurance deals and discounts in NH you might miss on your own.
• Tailored Solutions for Your NH Needs: We take the time to understand your unique needs – your driving habits, your vehicle, your family situation – and match you with the best insurance company and policy for your New Hampshire car insurance.

In today's rapidly changing New Hampshire car insurance market, having a local agent in Nashua provides the expertise and personalized service you need to navigate complexities, ensuring you're well-covered and getting the most competitive car insurance rates available in NH.

Call James or Steve at Atlantic Insurance 603-882-2909 for a competitive NH Home or Auto Insurance Quote. You can also request a quote right here online:
NH Home Insurance Quote
NH AUTO INSURANCE QUOTE  
​

by Stephen Donohue, NH Medicare Insurance Agent

Finding the Lowest Medicare Supplement Costs in New Hampshire
Navigating Medicare can be complex, and finding the most affordable supplement plan is crucial. This article provides a starting point for New Hampshire residents seeking the lowest 2025 Medicare Supplement rates.

LOWEST 2025 Rates for Age 65:

• Women:
  • Plan G: $163.81/month (Anthem Blue Cross Blue Shield)
  • Plan N: $121.00/month (First Health & Life Insurance)
• Men:
  • Plan G: $181.37/month (Anthem Blue Cross Blue Shield)
  • Plan N: $128.00/month (First Health Life & Health Insurance Company)

Important Notes:

• Rates Vary: These are rates for age 65 in NH. Your actual costs will depend on your age, health, and the specific plan you choose.
• Personalized Guidance: For the best rates tailored to your needs, contact Steve Donohue, a leading NH Medicare agent, at 603-882-2909 ext. 3.

Resources for In-Depth Research:

• NH State Insurance Department: Here is a link to the annual "NH Guide to Medicare Supplement Insurance Rates" for comprehensive rate information from 20 different insurers.
• Explore Plan Options: Visit my blog post for in-depth reviews of various New Hampshire Medicare Supplement plans.

Need Assistance?
Whether you're seeking a quote, comparing plans, or need help with the enrollment process, Steve Donohue is here to assist you. Contact him today at 603-882-2909 ext. 3 for personalized guidance.

Why the Surge?
Several factors contribute to the rise in Medicare Advantage enrollment:

1. Added Benefits: Beneficiaries appreciate the extra perks offered by Medicare Advantage plans. These include dental benefits, gym memberships, coverage for over-the-counter items, and eyeglasses/contact lenses.
2. Zero Premium Plans: Many Medicare Advantage plans are marketed with a 0 premium, although seniors still pay the additional Medicare Part B premium costs (typically $174.70 per month in 2024).
3. Aggressive Marketing: Insurers promote Medicare Advantage plans extensively through TV commercials, mailings, and online ads.

New Hampshire’s Experience

• Local Popularity: In New Hampshire (NH), the trend mirrors the national surge. More Medicare enrollees in NH are opting for Medicare Advantage plans.
• Plan Variety: Hillsborough County, NH, has seen a significant increase in plan availability. In 2017, only 11 plans were offered, but today, there are 38 Medicare Advantage plans available.
• County Variation: Enrollment rates vary widely across counties. Some factors influencing this variation include firm strategies, urbanicity, payment rates, and historical market penetration.​

Looking Ahead For 2024
 As Medicare continues to evolve, beneficiaries will likely have even more choices and benefits to consider.
​If you would like to learn more about the different Medicare options, please contact NH Medicare Insurance Agent Stephen Donohue at 603-882-2909.

See how our clients who buy Anthem's Medicare Supplement stay fit & get healthy with Silver Sneakers! 

To get a quote for Home, Auto, Umbrella, or any other insurance we offer please call us at (603) 882-2909, or visit our quote page here: ​https://www.atlanticinsure.com/quotes.html 

We've been running this promotion for several years now, and each year we give away hundreds of delicious Hayward's ice-cream. Pick up yours today!

Do not want to be recorded- NO PROBLEM- we can:
1. Meet in person
or
2. Correspond via email

Thanks for your understanding.

​by Steve Donohue, NH Medicare Supplement Broker

If you are looking for Medigap Plans in New Hampshire you have several to choose from. In 2022  there are 19 different health insurers that offer a variety of different supplement plans including:

• Anthem Blue Cross Blue Shield of New Hampshire
• Aetna
• Harvard Pilgrim Healthcare
• CIGNA (aka Loyal American Life Insurance Company)
• UnitedHealthcare®

One of the most downloaded forms on the NH Insurance Department website is New Hampshire's Guide to Medicare Supplement 2022. In the most recent  version dated February 2023, you will see that the following popular plans are offered:

• Plan F
• Plan F+
• Plan G
• Plan G +
• Plan N
• Plan A

We realize with 19 insurance companies and several different plans, it can be overwhelming. Here at Atlantic Insurance & Benefit Company we specialize in helping seniors pick the NH Medicare Supplemental plan for their unique needs.

NH Supplement Rates vary by insurer, and here in NH the Medigap plan rates are also based on a person's age and gender. NH Medicare Supplement plan Insurers also offer the following discounts:

• Spouse 
• Household Discount
• EFT/ACH Payment
• Annual Pay In Full

If you are a NH Senior and need help navigating the many choices that are offered - and want to find what is best for you-- please call us at 603-882-2909 (extension 3) for your NH Medicare Supplement Quote today.

You can also request a NH Medicare Supplement quote HERE

We have several great articles on our website here-see info below:

See our Review of 5 Leading NH Medicare Supplement Insurers

NH Seniors Get Ready for Medicare

See 4 Year Rate History for Medicare Supplement Plans in NH (2019-2022)

Stephen Donahue is a Medicare insurance specialist in Nashua, NH. Steve has been working in health insurance since 1992.
​

We find in 2022 many of our clients are considering the PLAN G as it represents a good value in terms of costs and benefits.

If you would like help with applying for a Medicare Supplement, or if you want to learn more about the many Medigap insurers we represent please call us at 603-882-2909 x 3. You can also request a quote with a  visit to our NH MEDIGAP QUOTE PAGE HERE for a RAPID quote of 5 leading insurers (Anthem, Aetna, Harvard, CIGNA and UnitedHealthcare®).

You can also see A DETAILED our REVIEW of 5 Medicare Supplement Plans in NH here.

Thanks for visiting Atlantic Insurance and Benefit Company, NH's leading Medicare Insurance Broker. 

 by Stephen J Donohue, Jr. State of NH Medicare insurance agency owner

Here at Atlantic Insurance & Benefit Company we are so pleased to have helped hundreds of people here in NH select the right Medicare Supplement or Medicare Advantage plan.

​In NH for 2020 there are 19 different insurance companies that sell State of NH Medicare Supplement plans.


One great tool for finding New Hampshire Medicare Supplement Rates is the NH Guide to Medicare Supplement Plans. This publication is assembled by the NH Insurance Department Annually, and usually updated  as plans or rats for NH Medigap plans change. You can download this report in a PDF showing State of NH Medicare Supplement Rates for 19 different insurers.

The NH Guide To Medicare Supplement publication shows rates and costs for varying plans (including NH Plan F, Plan G, Plan N etc.) offered by several insurers.

If you want a PERSONALIZED NH MEDICARE SUPPLEMENT QUOTE please visit our NH MEDIGAP PLAN RATE QUOTE PAGE and enter some basic info and we will be back in touch soon with a detailed quote for the top 5 Medicare insurers here in NH.

Thanks for visiting our website and be sure to call us with any questions we are here to help. We can be reached at 603-882-2909 extension 3, for Steve Donohue. 
___________________________________________________________________________________________
Also, please see some quick links below to helpful articles on our site:

NH Seniors Get Ready for Medicare

Plan G in NH- is it a good deal?

See Detailed Review of 5 NH Medicare Insurers Aetna, Anthem, CIGNA, Harvard and UnitedHealthcare®
 
Steve Donohue is a licensed State of NH Medicare health Insurance broker located in Nashua, NH. He is an independent agent that works with several insurers here in NH and throughout the Northeast. since 1992.

by Stephen Donohue NH Medigap Insurance Broker

Big news for anyone looking to buy Anthem Medicare Supplement Plans in New Hampshire. Starting April 18, 2020 New Hampshire's largest writer of Medicare Supplement plans, Anthem Blue Cross Blue Shield of NH, will begin to ask medical questions AND also offer tobacco/non-tobacco rates but ONLY IN CERTAIN CIRCUMSTANCES.



Good News Up Front
Not everyone applying will be subject to the new underwriting. Here are a few groups of applicants who will NOT NEED to answer questions, or be subject to tobacco rates. 

• NEW TO MEDICARE or in their INITIAL ENROLLMENT PERIOD 
• COMING OFF AN EMPLOYER GROUP PLAN 
• NEW to MEDICARE PART B
• Departing a Medicare Advantage Plan during the 1st year on that type of plan

The applicants in one of the scenarios listed above will be GUARANTEE ISSUE, meaning that they will NOT BE ASKED MEDICAL QUESTIONS and they will also not be subject to TOBACCO RATING.

So for people that are NOT within one of the GUARANTEE ISSUE scenarios, Anthem will Medically Underwrite their NH Medigap policy. In laymen's terms, Medical Underwriting means that  an applicant's approval- or - denial will be based upon their medical history and background. Anthem will ALSO be able to charge a higher rate for tobacco users.

What are the questions  that Anthem will ask..?
A review of the new application shows questions like...

• Are you currently confined, or has confinement been recommended to a bed, hospital, nursing facility...?
• Within the past two years, have you been:

                a. Hospitalized two or more times, been confined to a nursing home for a total of two
                weeks or longer, or been to the emergency room more than three times?
                b. Advised to have surgery that has not yet been done, or advised that you will need
                to be admitted to a hospital, skilled nursing facility or rehabilitation facility? 

See APPLICATION ATTACHED (PAGE 7) for MEDICAL QUESTIONS  ANTHEM WILL ASK NH MEDICARE SUPPLEMENTAL APPLICANTS.

Silver Lining to New Rules
One nice feature to this new underwriting method, is that it will open up Anthem Blue Cross Blue Shield's  NH Medicare Supplement Plan G to people who can qualify medically. (In the past only NEWLY eligible medicare applicants were eligible for this popular plan).

Here at Atlantic Insurance & Benefit we realize understanding the ins and outs of Medicare can be complicated.

If you have questions about Medicare, Medicare Supplement, Advantage or Part D RX plans- please give us a call today at 603-882-2909.

Or you can apply for a confidential  NH Medicare Supplement Quote online here.

__________________________________________________________________________________________________

See Some helpful Questions & Answers on Anthem NH Medicare Supplement rules below:

Q: If I have a Medicare Supplement Plan with ANTHEM NOW will this affect my coverage?
A: No

Q: How long does Medical Underwriting take?
A: Typically 1-2 business day. In periods of HIGH VOLUME,annual open enrollment it can take longer.

Q: Does Anthem go out to Medical Information Bureau to gather info on an applicant?
A: No.

Q: Will Anthem ask for an applicants height & weight?
A: No.

Q: What about specific conditions?
There are some medical conditions like Alzheimers and Cancer that can be considered when determining an approval or denial.

What are the questions asked?
Anthem has a NEW MEDICARE SUPPLEMENT ENROLLMENT FORM see copy of the enrollment form for 2020 HERE- page 7 for medical underwriting questions.

by Steve Donohue, Car Insurance, Nashua NH agent

When Atlantic Insurance & Benefit Company represents any insurance company- we focus on the 4 following criteria:

1. Cost- We know that premiums are a major concern for our clients- so we make sure that our insurance companies are competitively priced.
2. Coverage- Getting the lowest premiums does NOT matter if the coverage is not adequate. So we ONLY offer products that will meet or exceed our expectations in terms of protecting our clients and their loved ones.
3. Customer Service/Claims- Any insurer is only as good as how they take care of a client when they have a claim or an administrative need (think billing/adding removing cars etc). We work with insurance companies here in NH that share the same customer centered values that we have.
4. Financial Strength The ability to PAY CLAIMS and offer a long term value to our clients hinges upon an insurance company's financial strength.

So we are pleased to share that one of our preferred insurers, Concord Group Insurance (a member of the Auto Owners Insurance Group)  has been upgraded by AM Best in an integral rating- on September 12th, 2019 AM Best a national financial rating organization has.

• The outlooks have been revised to positive from stable  
• FSR of A (Excellent) and The Long-Term ICRs of “a+” have been affirmed for the following members of Concord Group Insurance Pool:

Concord General Mutual Insurance Company
Green Mountain Insurance Company, Inc.
State Mutual Insurance Company
Sunapee Mutual Fire Insurance Company
Vermont Accident Insurance Company, Inc.

See copy of press release here.

If you want a NH Concord Group Car or Home Insurance Quote please click here- or call us at 603-882-2909.

Car insurance Nashua, NH agency Atlantic Insurance & Benefit Company is proud to represent Concord Group and it's affiliated organizations.  ​

NH Medicare Supplement Plans in 2020 who has best rates 2020 vs. who had the Best Rates for NH Medigap Plans in 2019?

UPDATED  on JULY 7, 2020
by Steve Donohue, Nashua , NH Medicare Supplement Agent

Do you want to know who has the best NH Medicare Supplement rates for 2020?
Well of the 19 different insurers that sell Medicare Supplemental policies in New Hampshire see lowest rates for common NH Medigap plans below. If you are shopping for a medicare supplement plan during the rest of 2020 see a quick overview of the best (lowest) rates for 2020 NH Medicare Supplement Plan F, Plan G and Plan N in the NH insurance market below:
 
            Age 65 Female        2020 State of NH Medicare Supplement Rates- lowest cost insurer       
            Plan F    $182.93     Aetna Health and Life Insurance Company
            Plan G    $136.86    Aetna Health and Life Insurance Company
            Plan N    $114.37    Aetna Health and Life Insurance Company
 
            Age 65 Male           2020 State of NH Medicare Supplement Rates- lowest cost insurer    
            Plan F    $200.00     Globe Life & Accident Company
            Plan G    $147.00    Harvard Pilgrim Healthcare
            Plan N    $122.03    First Health Life & Health Insurance Company

 * these NH Supplement rates were for age 65 as of today July 7, 2020 - rates are subject to change so please call us at 603-882-2909 if you want to confirm- or if you want to see how much a NH Medigap plan would cost you if you are older than 65!

​
Additional NH Medicare Supplement Resources 
Also- please see a great resource the  NH Guide to Medicare Supplement Rates that is published by the NH Insurance Department annually. The most recent version of the Guide to NH Medicare Supplement rates document was was revised 01/23/2020.
___________________________________________________________________________________________
Please see 2020 (AND 2019!) NH Medicare Supplement rates for Anthem Blue Cross Blue Shield, Aetna and also for Harvard Pilgrim Healthcare below... 
We thought this year by year NH Medicare Supplement Comparison would help NH seniors see how the rates will increase by carrier each year.  Here are the 2020 NH Medicare Supplement Rates available for 3 leading NH Medigap insurers - we thought it might help you to see the 2019 AND 2020 NH Medicare Supplement Rates on a side by side basis for:

• Harvard Pilgrim Healthcare
• Anthem Blue Cross Blue Shield of NH
• Aetna Health & Life Insurance Company

See link for a helpful article on 2020 NH Medicare Open Enrollment
and
If you are NEW To Medicare- see 7 Helpful Ideas for anyone new to Medicare here in NH

UPDATE - SEE ARTICLE HERE THAT SHOWS THE 2020 NH MEDICARE SUPPLEMENT RATES for 19 DIFFERENT NH MEDICARE INSURANCE CARRIERS- you can also download the rates for ALL the NH Medigap insurers here in NH.

Should you have any questions about your NH Medicare Insurance, or want to evaluate the different Medicare plans that are offered please call Steve Donohue NH Medicare agent at Atlantic Insurance & Benefit Company in Nashua NH at 603-882-2909.

See 5 Tips for NH Seniors  2020 Medicare Open Enrollment
by Steve Donohue, Nashua, NH Medicare Insurance broker

As many of you know, the Annual Open Enrollment for Medicare begins 10/15/2019 and ends 12/7/2019. See 5 Tips for a successful 2020 NH Medicare Open Enrollment.

1. Keep an Eye out for your plan’s Annual Notice of Changes!If you are enrolled on a Medicare Part D RX PLAN or a Medicare Advantage Plan you will receive a notice form your EXISTING plan that outlines any cost or coverage changes for 2020. Plans are required to send this on or before September 30th.
2. Even if you are covered by an employer plan you MIGHT want to consider your Medicare options…The NH Market for Medicare plans offers more options each year- and with the increases in employer plan out-of-pocket costs some seniors find Medicare to be more attractive
3. Starting October 1st you can compare the 2020 version of current Part D RX plan with OTHER options If you have a Medicare Supplement with a SEPARATE PART D RX or a Medicare Advantage WITH PART  D RX please know that medications, costs, deductibles and coverage can change each year. Starting  October 1, 2019 you can visit the NEW MEDICARE PLAN FINDER  https://www.medicare.gov/find-a-plan  enter your zip code and RX -- this way you can check and see how your CURRENT PLAN and other plans will cover your medications in 202
4. Want to change the TYPE of Plan you have? This is what open enrollment is for.  Here is a quick list of changes that can be made at open enrollment. ​​​​                                                                                                           Anyone with Medicare Parts A & B can switch to a Medicare Advantage (Part C) plan.
            Anyone with Medicare Advantage (Part C) can switch back to Parts A & B.
          Anyone who has or is signing up for Medicare Parts A or B can join, drop or switch a Part D prescription     drug plan.
          Anyone with Medicare Advantage (Part C) can switch to a new Medicare Advantage plan.
5. Investigate new plans! Each year there may be NEW Part D RX Plans or new Medicare Advantage Plans offered in your area. If you live here in NH see the Medicare Advantage number of plans growth during the past 3 years.
   
   Year           # of plans
   2017          12 plans
   2018          19 Plans
   2019          26 Plans

​
 Remember any changes made during open enrollment will kick in January 1, 2020.

If you have questions about NH Medigap Insurance,  NH Medicare Supplement or Medicare Advantage plans please call Steve Donohue at 603-882-2909. 

                                  by Steve Donohue NH Small Group Health Insurance Broker

 

​Well, maybe I should say Anthem Blue Cross of NH "reintroduces" the $5 Office Visit Copay. (If you are my age you remember when you could see a doctor for Five Bucks!)  Welcome back $5 Copay! 

During the past 5 years out-of-pocket costs for health care have continued to rise- making it less affordable for people to get treatment. (See KFF.org article here)  

Today in the US, the average copay is $25 for Primary Care and $40 for specialist visits. However, in NH, it is common for employees to have office visit copays of $40 for Primary Care Doctor and $80 at the Specialist.

However, for the 3rd quarter 2019 Anthem Blue Cross Blue Shield in NH has introduced a new lower $5 Copay at the Primary Care provider with some of NH small and large employer  group health plans.

Here is how it works:

• Anthem has a system for reviewing and contracting with Primary Care Providers. Anthem calls this a "value based" model grades doctors on patient care, quality, reducing unnecessary or ineffective care and management of chronic diseases. Anthem's PREFERRED PRIMARY CARE DOCTORS have been identified as TOP PERFORMERS using this model

• At these select top performing providers Anthem is offering a lower $5 office visit Copay

See Anthem NH group health insurance plan $5 Copay BROCHURE HERE 

We have a listing of all the plans that Anthem is offering this $5 copay - and we are happy to offer health insurance quotes from Anthem and other insurers for NH employer groups of all sizes for both our existing, and new clients.

Keeping employees health and happy is what we do here at Atlantic Insurance & Benefit Company. If you want our help designing and managing your employee benefit program please give us a call today at 603-882-2909.

by Nashua, Manchester, Concord, Merrimack, Hudson NH Progressive Insurance Agent Steve Donohue

If you are a new Progressive client starting May 17th, 2019 there are some new enhancements to the NH Progressive Car Insurance products.

​  Call us at 603-882-2909 with any questions


Uber Lyft Ride Share
This is really exciting- we will share more info with you on  a separate news post -- but Progressive in NH will extend Coverage for Rideshare drivers, The  new Progressive Rideshare Insurance covers an individual driver who is logged into one or more Transportation Network Company (TNC) apps, such as Uber or Lyft, while driving a covered vehicle. The Rideshare endorsement covers the gap in coverage for drivers who are logged into a TNC app and are waiting to accept a trip request. If purchased, comprehensive, collision and roadside assistance coverages are extended through all phases of TNC activity. Call us for more info on coverage and deductible details.

New Recurring Payments Via Credit Card - Or Debit Card!
In NH Progressive Insurance is offering Automatic Card Payments (ACP) are here! - With this program  you’ll be able to pay with BOTH recurring credit and debit card options, in addition to recurring EFT options, for installment and paid-In-full billing. ACP is available at new business and renewal with a valid email address. 

Your Car has Technology- You Save $!
With Progressive's Smart Vehicle Technology Discount you save money when your car is equipped with Automatic Emergency Braking (AEB) as part of the manufacturer’s original factory build. Customers should receive this discount automatically based on the make and model of vehicles 2006 or newer.

Teen Driver Discount - Yikes!
Progressive NH Car Insurance has replaced their Minor Child Discount with a new Teen Driver Discount. This new discount will allow larger savings for teen drivers with clean driving records. Customers with Progressive longer than a year who then add a teen driver will see even a larger discount!!

For more info about how Progressive can help you save money on car insurance please call Steve or James at Atlantic Insurance at 603-882-2909.

(*for existing Progressive clients these benefits kick in for renewals AFTER July 5, 2019)

As much as we'd like to have the power to predict the future, we can't. Our best course of action, however, is to rely on data that indicates what's most likely to occur down the road. Nobody likes the feeling of missing the boat.

With the right information from Hagerty—insurance quote data, the frequency in which cars are added to policies, auction activity, and more—we can start to paint a picture of when prices for a particular model are on the verge of ticking up. After crunching the numbers, here are the seven cars that are overdue for a price bump.

1985-89 Ferrari 328 GTB/GTS
Median value for cars in #3 (Good) condition: $57,350
These cars essentially doubled in value since the early 2000s. Still, any “affordable” Ferraris can be a dangerous trap—the repair bills for a beat-up example could equal half what you paid. That reality makes any “cheap” Ferrari a difficult investment, even if the car appreciates 25 percent in a reasonable time span.

Twelve-month average auction sale prices for the 328 GTB/GTS peaked in August 2016 at $116,078. Today, that figure is down 31 percent to $80,592—equal to four years ago. It’s possible that buyers who were previously priced out 3–4 years ago can now get back in the game. Quote activity was up 11 percent in the final three months of 2018, which is a good sign for current demand, and quote value was up 3.8 percent in that period.

1991-95 Alfa Romeo Spider S4
Median value for cars in #3 (Good) condition: $16,700
Young buyers don’t seem to love the Spider S4, with 76 percent of quotes coming from Boomers and Pre-Boomers over the last 12-months, but that doesn’t mean it is doomed.

Spiders are being added to insurance policies at an increasing rate—between January ’18 and Jan ’19 the number added to policies increased 38 percent. Meanwhile, the average sale price at auction over this period increased 19 percent. The average quoted value of the car has been very consistent over the last 10 years, ranging only from $12,800–$15,800. It’s fair to say that these roadsters are due for value appreciation, after many years of chugging along in the background.

1968-71 Mercury Cyclone
1968 Mercury Cyclone, Mecum
Median value for cars in #3 (Good) condition: $16,200
Surprisingly, 85 percent more Mercury Cyclones were added to policies in this past year than in the one prior, and the quoted values were up 33 percent over the same period. Additionally, the average auction sale price over the last 12 months is up 37 percent compared to the previous year. The median #2-condition value has remained unchanged for the last four years, which is a good indicator of stability.

1949-67 VW Beetle
1973 Volkswagen Beetle, Hagerty
Median value for cars in #3 (Good) condition: $14,900
 
Amongst cars with 100 or more annual quotes from Gen X and Millennials, the 1949–67 Beetle is the only vehicle generation from the ’40s or ’50s with more than 60 percent of quotes coming from these younger demographics.
When Hagerty updated prices last September, median prices for #2 (Excellent) cars increased 26 percent. As those price creeps past the point where buyers are willing to throw money around, and big sales start happening more frequently, expect Excellent-condition cars to become more desirable than ever before.

1968-72 Oldsmobile Cutlass
1972 Oldsmobile Cutlass Supreme, Mecum
Median value for cars in #3 (Good) condition: $12,850
The Cutlass is tracking in the middle of the road for quote activity and the frequency in which it’s being added to policies, but the auction and private sale activity are strong. Why? Mainly because Barrett-Jackson offered a ton of them in Scottsdale this year (the 12-month count of cars coming to auction increased 33 percent versus when factoring in January results). Over the last year, average sale price is up 22 percent.

2005-08 Dodge Magnum
2008 Dodge Magnum SRT8, FCA
Median value for cars in #3 (Good) condition: $11,100
Around early 2017, auction prices for Magnums bottomed out, and the 12-month average sale price was $9682. Given the low price, these Dodges are flipping the script, possibly because of the rarity and appeal of a full-size family-hauler wagon with rear-wheel drive, available all-wheel drive, and up to 425 horsepower.

Insurance quote activity was flat until auction prices bottomed. Since January 2017 the 12-month sum of quotes increased 84 percent, while the average quoted price dropped 23 percent. Those are signs that more people are interested in the car because of its bargain value, but the buyers that are buying for collectibility and true value have yet to join the fray (and drive up prices).

Hagerty is starting to see people pay more at auction, though. Between February ’18 and Oct ’18 the average sale price at auction increased 50 percent, and the number of Magnums coming to auction is holding steady near the highest it has been (17 per year). As more and more people realize that Magnums are relatively affordable, look cool, and are very practical, expect demand to push prices further.

1983-92 VW Golf MKII
1983 Volkswagen Golf MKII, Volkswagen
Median value for cars in #3 (Good) condition: $4900
 
At a time when buyers are gravitating towards affordable, reliable, and fun cars from the ’80s and ’90s, the VW Golf is in a good position to appreciate. The positive data is rampant with quotes dominated by Millennials, who make up 56 percent of the requests—up 22 percent in just three months. That’s translating into more Golfs being added to policies, and that number is twice what it was this time last year. These increases have not yet translated into increased quoted or purchase values, which shows that buyers are still seeing them as bargain cars and trying to get in early. It shouldn’t be long before reality sets in and prices rise.