Best Health Insurance Plans in New Hampshire

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Compare Health Insurance Plans in New Hampshire

Curious about health insurance in the Granite State? According to a study by US News, New Hampshire has the 13th best health care in the nation. That study considers quality of care, access, and overall public health.

Health Care Choices in New Hampshire

According to the New Hampshire Insurance Department, there are several ways for residents to access health care in their state:

  1. Employer-provided
    1. From your employer
    2. Through your spouse's employer
    3. Through COBRA
  2. Individual or family plans
    1. Through
    2. Directly from a health insurance company
  3. Government-assisted
    1. Medicare
    2. Medicaid

Where do most New Hampshire residents get their health insurance coverage?

New Hampshire (NH) Health Insurance Sources
Sources Percent
Employer-Provided 58%
Individual or family 6%
Medicaid 13%
Medicare 16%
Other Public Care 2%
Uninsured 7%
Source: Kaiser Family Foundation, Health Insurance Coverage of the Total Population

New Hampshire Health Care Insurance Costs and Rate Factors

On average, NH residents spend $9,589 per year on health care, more than the national average. That could be a setback for policyholders. A high amount of uninsured people can raise costs for insured people.

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Body Mass Index

According to the CDC, a high body mass makes you more likely to suffer from serious health conditions. Insurance companies will analyze your BMI to determine your risk-level. A high BMI leads to high insurance rates.

In 2016, NH had a 28.1 percent obesity rate, the 38th highest rate in the country. Of the many state residents using QuoteWizard to compare health insurance plans, 30 percent have a BMI in the obese range.

Tobacco Use

Smokers pay more for health care because of the substantial risks from tobacco use. About 18 percent of NH residents are smokers, the 30th lowest rate in the country.


Health care costs up to three times more for older people than for younger people. State residents who used QuoteWizard to shop for health insurance are, on average, 39 years old.

Plan Type

More health care coverage will cost you more in monthly premiums. Marketplace plans come in metal tiers: bronze, silver, gold, and platinum.

How much does health insurance cost in NH? These are the average monthly premiums for a middle-aged state resident for each plan type in 2019:

2019 New Hampshire Martketplace Plan Rates
Bronze Silver Gold
$302 $373 $444
Source: Kaiser Family Foundation, Change in Average Marketplace Premiums by Metal Tier

Gold plans cost about 34 percent more than a bronze plan. That’s not a surprise, as a gold plan covers 80 percent of costs, whereas bronze plans cover 60 percent of costs.

NH residents may also qualify for a catastrophic plan, the lowest level of coverage available. Catastrophic plans have low monthly premiums but a high yearly deductible of $7,150. Because of that high deductible, it may be worth it to invest in a bronze or silver plan. You’ll save money if you actually use your health insurance.


Your location plays a large role in your health insurance costs. Especially because every state has different health care laws, regulations, and insurers.

Also, health insurance rates are community-rated. Rates are based in part on the combined claims everyone files. If your state files a high number of rates, your prices could skyrocket.

That’s why New Hampshire’s overall health-consciousness impacts your premiums. According to America’s Health Rankings, NH is the eighth healthiest state in the country. That’s a good sign for policyholders.

New Hampshire Health Insurance Companies

NH residents have several options for health care providers. These companies offer both individual and family plans in your state:

  • Ambetter (Phone Number: 1-844-265-1278)
  • Anthem (Phone Number: 1-855-875-6466)
  • Harvard Pilgrim Health Care (Phone Number: 888-888-4742)

New Hampshire Medical Insurance Laws

The Affordable Care Act prevents insurance companies from charging you more for certain factors.

  • Pre-existing conditions: The ACA doesn't allow insurance companies to charge more for pre-existing conditions. People with pre-existing conditions used to face steep premiums.
  • Gender: According to a study by Health Services Research, women historically pay more for health care. Luckily, the ACA limits providers from charging women and men different prices for the same plan.
  • Insurance and medical history: People with previous medical problems or lapses in insurance used to pay more for health care. Insurance companies used to analyze your medical history and your past insurance coverage.

There’s a limit to how much you’ll pay out-of-pocket per year with a marketplace plan. In 2018, the out-of-pocket maximum is $7,350 for an individual plan and $14,700 for a family plan.

NH state law requires providers to offer at least some coverage for the following services:

  • Pregnancy, delivery, and postpartum coverage
  • Coverage for hearing aids
  • Diabetes services and supplies
  • Qualified clinical trials
  • Bone marrow testing
  • Off-label prescription drugs
  • Coverage for certain biologically based mental illnesses
  • Therapy services for children

There are additional services that companies need to offer coverage for. Find the full list on

Medicare and Medicaid in New Hampshire

Medicare and Medicaid are both government-funded health care programs. They cater to two different groups. Medicare covers seniors, whereas Medicaid covers low-income families and children.


NH seniors 65 and older with affordable health care qualify for Medicare. There are several options within the program, including parts A, B, C, D, and supplemental coverage plans. You may also qualify for one of these Medicare Savings Programs:

Qualified Medicare Beneficiaries (QMB):

  • Single person with a monthly income lower than $1,032 and assets less than $7,560.
  • Couple with a monthly income lower than $1,392 and assets less than $11,340.

Specified Low-Income Medicare Beneficiaries (SLMB 120):

  • Single person with a monthly income lower than $1,234 and assets less than $7,560.
  • Couple with a monthly income lower than $1,666 and assets less than $11,340.

Specified Low-Income Medicare Beneficiaries (SLMB 135):

  • Single person with a monthly income lower than $1,386 and assets less than $7,560.
  • Couple with a monthly income lower than $1,872 and assets less than $11,340.


Medicaid aids low-income families and children. These are the state’s Medicaid financial requirements:

New Hampshire Medicaid Financial Requirements
Household Size Maximum Yearly Income
1 $15,800
2 $21,307
3 $26,813
4 $32,319
5 $37,825
6 $43,331
7 $48,851
8 $54,384

New Hampshire Insurance Department

Insurance Commissioner:
John R. Elias
Insurance Hotline:
(800) 852 – 3416
Office Hours:
Monday - Friday
8:00 am to 4:30 pm
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