WellCare leads New Hampshire providers with a 4.8 out of 5 MoneyGeek score. You'll pay an average of $389 monthly for WellCare's Silver-tier HMO plans, 28% less than the state average. Harvard Pilgrim and Anthem round out the top three providers.
Best Health Insurance in New Hampshire (2026)
Updated: December 23, 2025
Advertising & Editorial Disclosure
Key Takeaways
WellCare is New Hampshire's top health insurance provider, delivering comprehensive coverage options alongside competitive monthly rates across all metal tiers.
WellCare provides the cheapest health insurance in New Hampshire, with Silver-tier HMO plans averaging $389 per month.
Compare quotes from multiple insurers, review coverage limits and deductibles and verify your doctors accept the plan before enrolling.
Best Health Insurance Companies in New Hampshire
| Wellcare Health | $389 | $6,031 | $1,714 | 4.8 | Wellsense Clarity Nh Silver 3400 + $0 Rx List + 24/7 Nurse Advice |
| Harvard Pilgrim Health Care | $678 | $5,214 | $2,719 | 4.1 | Nh Local Choice Hmo Silver 3500 + $0 Rx List + $0 Virtual Urgent Care |
| Anthem | $540 | $8,406 | $3,245 | 3.7 | Anthem Silver Pathway X Enhanced 4500/20% Hsa |
*Our picks reflect the best companies for 40-year-olds seeking Silver-tier HMO plans. Rates vary by age and coverage level.
WellCare
MoneyGeek Rating
4.8/ 5
5/5Affordability
5/5Deductible
4.2/5MOOP
Average Monthly Rate
$389Average MOOP
$6,031Average Deductible
$1,714
Harvard Pilgrim Health Care
MoneyGeek Rating
4.1/ 5
4.2/5Affordability
3/5Deductible
5/5MOOP
Average Monthly Rate
$678Average MOOP
$5,214Average Deductible
$2,719
Anthem
MoneyGeek Rating
3.7/ 5
4.5/5Affordability
2.5/5Deductible
2.5/5MOOP
Average Monthly Rate
$530Average MOOP
$7,827Average Deductible
$3,743
Best New Hampshire Health Insurance by Category
New Hampshire health insurance prices vary by age and network type. Silver-tier plan comparisons show clear category leaders:
By Age:
- Teens (18): WellCare HMO ($278 monthly), Ambetter EPO ($325), Anthem PPO ($533)
- Young adults (26): WellCare HMO ($312 monthly), Ambetter EPO ($364), Anthem PPO ($598)
- Adults (40): WellCare HMO ($389 monthly), Ambetter EPO ($455), Anthem PPO ($747)
- Seniors (60): WellCare HMO ($826 monthly), Ambetter EPO ($965), Anthem PPO ($1,586)
By Network Type (40-year-olds):
- HMO: WellCare leads at $389 monthly
- EPO: Ambetter offers the best rate at $455 monthly
- PPO: Anthem provides coverage at $747 monthly
Compare Health Insurance Companies in New Hampshire
Monthly premiums, deductibles and out-of-pocket maximums vary across metal tiers and providers. This table compares New Hampshire health plans by age, coverage level and HSA eligibility.
Data filtered by:
HMO
Silver
40
No
| Wellcare Health | $389 | HMO | Silver | $6,031 | $1,714 | 40 | No |
| Anthem | $540 | HMO | Silver | $8,406 | $3,245 | 40 | No |
| Harvard Pilgrim Health Care | $678 | HMO | Silver | $5,214 | $2,719 | 40 | No |
*Some providers offer multiple plans of the same type and tier. Rates are based on company averages across all available plans for the given age, plan type and metal tier.
How to Find the Best Health Insurance in New Hampshire
Finding the right health insurance in New Hampshire involves evaluating your coverage needs, researching insurer reputations and exploring available enrollment options.
Decide on your coverage needs before buying
Compare monthly premiums against maximum out-of-pocket limits. If you visit doctors frequently, plans with higher monthly costs but lower out-of-pocket limits often save money long-term. For those rarely needing care, lower-premium plans with higher out-of-pocket expenses may work better. Review HMO, PPO and EPO plan types to understand network flexibility and referral requirements.
Compare company offerings and reputations
Research what plans insurers offer in your area and review coverage terms carefully. Check company reputations through J.D. Power ratings and state complaint databases to verify claims handling and customer service quality before making your decision.
Shop around
New Hampshire rates vary based on age, plan type and coverage level. Open Enrollment runs from November 1 to January 15. Special Enrollment applies after qualifying life events like job loss, marriage, divorce or having a child. Compare quotes from multiple insurers to find the best value.
Take advantage of federal programs and subsidies
Depending on your income, you may qualify for federal subsidies or programs like Medicaid. Some New Hampshire residents may be eligible for $0 premium plans through the federal marketplace. Those 65 and older can explore Medicare Supplement and Medicare Advantage plans for additional coverage options.
Average Health Insurance Cost in New Hampshire
New Hampshire health insurance costs change based on plan type, metal tier, age and location. HMO plans are the most affordable option, with Silver coverage at $529 monthly and Platinum at $752. EPO plans cost $455 for Silver and $506 for Gold tiers. PPO plans are the most expensive, ranging from $727 for Silver to $999 for Platinum coverage.
| EPO | $747 | $868 | $1,111 | $1,574 |
| HMO | $479 | $586 | $666 | $782 |
| PPO | $652 | $822 | $978 | $1,327 |
*Average monthly premiums for 40-year-olds in New Hampshire by plan type. Rates vary by age and location.
Best Health Insurance in New Hampshire: Bottom Line
WellCare, Harvard Pilgrim and Anthem lead New Hampshire's Silver-tier HMO market. The best plan for you depends on your age, health needs, budget and preferred provider network. Get quotes from multiple insurers and compare premiums, deductibles and out-of-pocket maximums to find your ideal coverage.
Best New Hampshire Health Insurance: FAQ
Here are common questions about the best health insurance in New Hampshire:
Is health insurance required in New Hampshire?
No, New Hampshire doesn't require residents to have health insurance. The state has no individual mandate or tax penalty for being uninsured. While other states may offer exemptions for financial hardship or religious beliefs, New Hampshire residents face no penalties regardless of coverage status. Eligible residents can still access federal subsidies through the health insurance marketplace.
When is open enrollment in New Hampshire?
New Hampshire's open enrollment period for 2026 health coverage begins November 1, 2025, and ends January 31, 2026. You must select your plan by December 31, 2025, to start coverage on January 1, 2026.
Can you get free health insurance in New Hampshire?
Yes, New Hampshire residents can access free health insurance through Medicaid expansion, which covers adults earning up to 138% of the federal poverty level. Many people qualify for premium tax credits through the federal marketplace that reduce monthly costs or eliminate them entirely.
How We Chose the Best Health Insurance in New Hampshire
Our ranking system evaluates health insurance plans based on three key cost factors: monthly premiums, deductibles and maximum out-of-pocket limits.
Scoring breakdown:
- Monthly premium (60%): Plans with the cheapest average monthly costs receive the top scores.
- Maximum out-of-pocket (MOOP) score (20%): This is the yearly spending cap on your medical expenses, not including premiums. Plans with lower MOOP limits earn higher ratings.
- Deductible (20%): This amount comes out of your pocket before insurance starts paying for covered services. Plans with smaller deductibles get better scores.
We standardized all scores within each plan category. The best-performing Silver-tier HMO plan receives a 5.0 rating, with other plans scored relative to that top performer.
MoneyGeek examined every 2026 health plan offered in New Hampshire for people ages 18, 26, 40, 50 and 60. Premium costs shown reflect 40-year-old rates unless stated otherwise. Our analysis covers all coverage levels: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.