As healthcare premiums continue to rise across New England, many New Hampshire residents—especially retirees, small business owners, and families—are searching for alternatives to traditional insurance plans. In a recent conversation with Trusted Essential Services, a local advocate for consumer-focused healthcare solutions, Impact Health was highlighted as a rapidly growing option that offers affordability, transparency, and flexibility for Granite Staters.
Lower Costs for Seniors and Families
According to Carole DiPardo of Trusted Essential Services, Impact Health’s supplemental plans are significantly more affordable than traditional insurance offerings. Seniors over age 65 can expect rates beginning at just $96 per month, depending on age. Even the highest-priced supplement, she notes, is “around $140 to $142”—a fraction of what many Medicare enrollees pay for comparable coverage.
Families are also seeing substantial savings. A young family of three or more can secure coverage starting at $378 per month with a $10,000 Primary Responsibility Amount (PRA), Impact’s version of a deductible. Even at lower PRA levels, monthly costs remain well below marketplace averages.
For older adults approaching retirement, costs remain steady. DePparo shared that her own household premium—at the upper age tier of 61—is roughly $680 per month. “You can’t find that on the marketplace,” she said. “And if you do, it’s definitely not apples to apples.”
Freedom to Keep Your Doctors
For many relocating to New Hampshire—or aging residents relying on long-standing provider relationships—the question of doctor networks is crucial. Impact Health stands out by allowing members to keep their preferred providers without restrictive networks.
Members can check in advance whether a doctor will accept Impact, and the organization’s concierge service will even call providers directly to arrange payment or verify acceptance. If issues arise at the doctor’s office, a real-time phone call to Impact can resolve them on the spot.
“It’s like having an advocate in your back pocket,” DiPardo explained. “They’ll talk directly to the office if needed.”
No Open Enrollment, No Marketplace Restrictions
Unlike ACA marketplace plans, Impact Health does not require enrollment during a specific time period. New members can join any time of year and become active on the first of the following month.
Impact is also not governed by state insurance departments or ACA compliance. Instead, it operates as a health-sharing organization with its own set of ethical and transparency-focused guidelines. Members can view exactly how funds are allocated, how many families are enrolled nationwide, and what is available in their own dedicated “household pot”—money that is returned to them if they ever choose to leave the program.
“No insurance company sends you money back when you leave,” DiPardo said. “But Impact does.”
Support for Small Businesses
For small business owners—a group hit particularly hard by rising healthcare costs—Impact Health provides a simple, cost-effective solution to cover employees without jeopardizing budgets.
A corner store with five employees, for example, can receive quick quotes based on each worker’s age and enroll through a streamlined online process. No hidden fees, no lengthy restrictions, and clear program guidelines ensure affordability and predictability.
Support for Preexisting Conditions
Impact Health offers coverage for individuals with prior medical issues, including cancer survivors. As long as a member has been three years free of a condition, recurrent care is fully eligible for sharing.
Even within the three-year window, the organization reprices major bills—such as chemotherapy or transplant procedures—often reducing costs dramatically compared to insurer-negotiated rates.
A Growing Solution for Changing Times
In an era where many insurance companies are reducing coverage across New Hampshire—such as recent Medicare Advantage withdrawals—Impact Health is serving residents across every county with no geographic limitations.
For new residents moving to New Hampshire, retirees seeking manageable healthcare costs, and small business owners looking to retain employees, Impact Health is becoming a compelling option.
Carole DiPardo Trusted Essential Services
For more information or to explore Impact Health options, residents can visit TrustedEssentialServices.com.