Health insurance prices in New Hampshire (2026)
46 marketplace plans from 4 insurers across 10 counties. Official marketplace: HealthCare.gov.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $317–$568 (typical $375) · Silver $388–$699 (typical $450) · Gold $417–$716 (typical $525) · Catastrophic $278–$278 (typical $278)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 10) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| WellSense Health Plan | 5 | 7 | $317 | $320 | $388 | $417 | WellSense Clarity NH Bronze 6500 HSA + $0 Rx List + 24/7 Nurse Advice |
| Anthem Blue Cross Blue Shield (NH)Elevance Health (Blue Cross Blue Shield company) | 10 | 12 | $324 | $354 | $443 | $533 | Anthem Bronze Pathway X Enhanced 7000/0% ($0 Virtual PCP + $0 Select Drugs) |
| Ambetter (Centene) | 10 | 18 | $369 | $405 | $455 | $508 | Standard Expanded Bronze |
| Harvard Pilgrim / Tufts (Point32Health) | 10 | 9 | $520 | $546 | $678 | $701 | NH Local Choice HMO HSA Bronze 6000 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $317 | $375 | $568 | 16 | $7,250 | $10,000 | $14,251 |
| Silver | $388 | $450 | $699 | 16 | $5,950 | $8,875 | $14,355 |
| Gold | $417 | $525 | $716 | 13 | $1,450 | $8,200 | $14,076 |
| CatastrophicUnder 30 or hardship exemption only | $278 | $278 | $278 | 1 | $10,600 | $10,600 | $13,931 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in New Hampshire
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Belknap County | 4 | 46 | $317 | $375 | $450 |
| Carroll County | 3 | 39 | $324 | $398 | $457 |
| Cheshire County | 3 | 39 | $324 | $398 | $457 |
| Coos County | 3 | 39 | $324 | $398 | $457 |
| Grafton County | 3 | 39 | $324 | $398 | $457 |
| Hillsborough County | 4 | 46 | $317 | $375 | $450 |
| Merrimack County | 4 | 46 | $317 | $375 | $450 |
| Rockingham County | 4 | 46 | $317 | $375 | $450 |
| Strafford County | 4 | 46 | $317 | $375 | $450 |
| Sullivan County | 3 | 39 | $324 | $398 | $457 |
To compare insurance plans side by side (or with health sharing), open your county.