Business Details
24 Years
experience
Independent Insurance Brokers in Portsmouth, NH
Since 2002, Affordable Health Solutions has served as a trusted independent insurance brokerage dedicated to simplifying health and life insurance decisions for individuals and businesses across New Hampshire and Maine. Our team of seasoned professionals brings decades of combined experience in navigating complex insurance markets, operating as client advocates to identify coverage solutions that balance quality and affordability. As locally rooted advisors, we prioritize personalized consultation over automated processes, ensuring clients fully understand their options without incurring additional costs for our brokerage services.Our expertise spans individual health plans, group benefits, Medicare supplements, and innovative solutions like Health Reimbursement Arrangements, supported by established relationships with leading insurance providers. We maintain continuous industry education to provide timely guidance during open enrollment periods and beyond, offering end-to-end support from initial assessment through policy implementation and ongoing client assistance.
Services
Individual Health Insurance
Group Health Insurance
Medicare Supplemental Plans
Health Reimbursement Arrangements
Disability Income Insurance
Life Insurance
Dental and Vision Plans
Long Term Care Insurance
International Travel Coverage
Open Enrollment Assistance
Details
- Year established: 2002
Highlights and features
- We offer 20+ years of combined experience in NH and ME insurance markets
- Our team provides personalized insurance consultations with no broker fees
- We maintain relationships with all major regional insurance providers
- Our staff includes licensed experts in individual and group plan design
- We provide end-to-end support from enrollment through policy implementation
What people say
Personalized guidance
Knowledgeable team
Stress-free process
Small business support
Prompt responses
Services
Individual Health Insurance
Tailored health insurance solutions for self-employed individuals and those without employer benefits. We guide NH and ME residents through ACA Marketplace options and private plans, ensuring comprehensive coverage that balances medical needs with budget considerations while maintaining network flexibility.
Group Health Insurance
Customized employee health benefits for businesses of all sizes. Our brokers help NH and ME employers design competitive group plans that meet workforce needs while controlling costs, including innovative solutions like ICHRAs that provide tax advantages for both employers and employees.
Medicare Supplemental Plans
Gap-filling insurance for Medicare recipients. We offer 47 supplemental products from nine providers to reduce out-of-pocket expenses, with specialized agents helping clients navigate plan selections to maximize coverage while maintaining access to preferred healthcare providers.
Health Reimbursement Arrangements
Employer-funded plans that reimburse employees for medical expenses. Our specialists design ICHRA and QSEHRA solutions that give businesses complete budget control while allowing employees tax-free reimbursement for premiums and qualified healthcare costs.
Open Enrollment Assistance
Guided support during annual enrollment periods for ACA and Medicare plans. We help clients evaluate provider networks, prescription coverage, and cost structures while handling the complete enrollment process from document preparation to final submission.
People
Maura Martino
President
Insurance industry leader with 25+ years of experience in corporate healthcare. Former Capitol Hill professional who transitioned to insurance brokerage after recognizing market complexities. Specializes in group and individual plan design while maintaining active community involvement through youth sports and civic organizations.
Lorie Graves
Producer, Agent
Licensed NH and ME insurance professional with 15+ years of experience as broker-insurer liaison. Expert in navigating insurance processes for individuals and employer groups. Provides remote service from Georgia while maintaining consistent client support standards established during her Portsmouth-based career.
Heidi Bunnell
Office Manager
Licensed insurance broker with diverse professional background including special education and business ownership. Focuses on client relationship management and benefits education. Combines organizational expertise with personalized support to ensure clients understand and effectively utilize their insurance benefits.
Paul Martino
Business Development
Insurance industry veteran with prior success in wholesale distribution. Leverages business operations expertise to enhance AHS service delivery. Specializes in developing scalable solutions for small to mid-sized businesses seeking competitive employee benefits packages that improve recruitment and retention.
Questions
What areas do you serve?
We specialize in health insurance solutions for residents and businesses in New Hampshire and Maine.
Are you affiliated with specific insurance providers?
We maintain relationships with all major regional insurance companies while remaining independent brokers.
Do you charge additional fees for brokerage services?
No, our services are provided at no additional cost to clients.
How do you assist small businesses with employee benefits?
We design customized group plans and innovative solutions like HRAs to make quality benefits accessible for small employers.
What support exists after policy implementation?
Our team provides ongoing assistance with claims processing, coverage questions, and annual plan reviews.
Can you help with enrollment outside regular periods?
Yes, we assist with special enrollment periods triggered by qualifying life events.
Reviews (2)
Phitted Media
Dec 26, 2019
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I met with Lorie this week, and she helped me pick out the perfect plan for me, and answered all my questions. I highly suggest coming to see them!
Kristin Britt
Sep 03, 2019
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Highly recommended. Met with Jim. He assessed our situation and quickly determined that although he had plans he could have sold us, that we would do better doing it a different way. Then he spent quite awhile with us, showing us what we could do. We asked if we could pay him a consulting fee, as he had spent so much time and was so helpful to us with no benefit to himself, but he would not allow us to pay. Jim is the very best kind of businessperson.
