Health Insurance in Northern New Hampshire — White Mountains Region, NH — 2026 Plans & Premiums
39 ACA marketplace plans are available in Northern New Hampshire — White Mountains Region, NH, from 2 insurers. The cheapest plan starts at $246.53/month before subsidies.
Insurers price these 5 counties identically, so plan availability and premiums below apply to all of them:
- Carroll County
- Cheshire County
- Coos County
- Grafton County
- Sullivan County
39
Plans Available
$246.53
Cheapest Plan/mo
2
Insurers
HealthCare.gov
Exchange
Insurers Serving Northern New Hampshire — White Mountains Region
Plans Available in Northern New Hampshire — White Mountains Region
Sorted by monthly premium · 30-year-old · Before subsidies
Anthem Catastrophic Pathway X Enhanced
Anthem Blue Cross and Blue Shield
$246.53/mo
Ded: $10,600
Anthem Bronze Pathway X Enhanced 7000/0% ($0 Virtual PCP + $0 Select Drugs)
Anthem Blue Cross and Blue Shield
$287.38/mo
Ded: $7,000
Anthem Bronze Pathway X Enhanced 7500/50% ($0 Virtual PCP + $0 Select Drugs) Standard
Anthem Blue Cross and Blue Shield
$313.73/mo
Ded: $7,500
Anthem Heart Healthy Bronze Pathway X Enhanced 6000/40% ($0 Virtual PCP + $0 Select Drugs)
Anthem Blue Cross and Blue Shield
$315.50/mo
Ded: $6,000
Anthem Bronze Pathway X Enhanced 6000/35% HSA
Anthem Blue Cross and Blue Shield
$325.50/mo
Ded: $6,000
Standard Expanded Bronze
Ambetter from NH Healthy Families
$327.68/mo
Ded: $7,500
Standard Expanded Bronze + Vision + Adult Dental
Ambetter from NH Healthy Families
$338.21/mo
Ded: $7,500
Choice Bronze HSA
Ambetter from NH Healthy Families
$353.86/mo
Ded: $7,250
Average Premiums in Northern New Hampshire — White Mountains Region
Avg Bronze Plan
$372/mo
13 plans
Avg Silver (Subsidy Benchmark)
$447/mo
Eligible for CSR cost reductions
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Compare plansFrequently asked questions about ACA insurance in New Hampshire
Which counties does this New Hampshire health insurance page cover?
This page covers 5 New Hampshire counties: Carroll County, Cheshire County, Coos County, Grafton County, Sullivan County. Insurers offer the same plans at the same premiums across all of them, so the 39 plans and $246.53/month starting price shown here apply to every one.
What is the health insurance marketplace in New Hampshire?
The New Hampshire (NH) health insurance marketplace is the federal ACA Marketplace at HealthCare.gov, operated by the federal government. Policymage lists 39 New Hampshire plans with live marketplace premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in New Hampshire?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in New Hampshire start from $246.53/month before subsidies.
Which Medicaid plan is best in New Hampshire?
There is no single "best" Medicaid plan in New Hampshire — Medicaid is administered through MCOs such as Anthem Blue Cross Blue Shield, Harvard Pilgrim Health Care, Ambetter from NH Healthy Families. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$21,597/year for an individual) is separate from ACA Marketplace plans at HealthCare.gov. Apply year-round through your state Medicaid office.
Is short-term health insurance available in New Hampshire?
Short-term health insurance is sold outside the ACA Marketplace in New Hampshire by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at HealthCare.gov during Open Enrollment (Nov 1–January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in NH?
Health insurance in NH starts as low as $246.53/month for a 30-year-old on a Bronze plan before subsidies. Most New Hampshire residents who qualify for APTC pay significantly less — some as low as $0/month for a Silver plan.
What is the cheapest health insurance option in NH for 2026?
The cheapest ACA option in NH for 2026 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan — both carry the lowest monthly premium in exchange for a higher deductible. Compare exact New Hampshire plans and prices at policymage.com/get-quotes.
When does Open Enrollment end in New Hampshire for ACA plans?
Open Enrollment for New Hampshire residents runs from November 1 through January 15. New Hampshire uses the federal Marketplace at HealthCare.gov, which has a January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does ACA health insurance cost in New Hampshire?
Bronze-tier plans in New Hampshire start as low as $246.53/month for a 30-year-old before subsidies. With APTC tax credits, many New Hampshire residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does New Hampshire use HealthCare.gov or its own state exchange?
New Hampshire uses the federal Health Insurance Marketplace at HealthCare.gov. The federal government (CMS) operates the exchange, processes applications, and calculates subsidies for New Hampshire residents.
Has New Hampshire expanded Medicaid under the ACA?
Yes. New Hampshire has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $21,597/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window — you can apply year-round.
What are the income limits for ACA subsidies in New Hampshire?
Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. New Hampshire residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the HealthCare.gov subsidy calculator for your exact estimate.
What are the metal tiers in New Hampshire (Bronze, Silver, Gold, Platinum)?
New Hampshire ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in New Hampshire?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in New Hampshire through HealthCare.gov. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do New Hampshire ACA plans cover dental and vision?
New Hampshire ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most New Hampshire plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through HealthCare.gov or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in New Hampshire?
Outside Open Enrollment, New Hampshire residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through HealthCare.gov.
How do I find in-network doctors and hospitals in New Hampshire?
Each New Hampshire ACA plan has its own provider network. Before enrolling, look up the plan on HealthCare.gov, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Northern New Hampshire — White Mountains Region
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Northern New Hampshire — White Mountains Region compares to the New Hampshire state average.
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