Best Health InsuranceNew HampshireBest New Hampshire Health Insurance (2023 Plans)
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By , Content Manager
Updated: Aug 8, 2023
Best Health InsuranceNew HampshireBest Health Insurance in New Hampshire
Best Overall in New Hampshire - Ambetter
Best for Low MOOP - Anthem Blue Cross and Blue Shield
Best Cheap - Ambetter
Best for Low Income - Anthem Blue Cross and Blue Shield
Best for Young Adults - Anthem Blue Cross and Blue Shield
Best for HMO - Anthem Blue Cross and Blue Shield
Best for PPO - Anthem Blue Cross and Blue Shield
Best for EPO - Ambetter
Best Overall for Health Insurance in New Hampshire
Ambetter is the best health insurance in New Hampshire, scoring 62 out of 100. If Granite State residents are looking for a company that achieves a balance between cost, plan types and maximum out-of-pocket costs, this is a solid choice.
When identifying the best health insurance in the state, data from 10 Silver Exclusive Provider Organizations (EPOs), 37 Health Maintenance Organizations (HMOs) and 11 Preferred Provider Organizations (PPOs) plans were analyzed.
MoneyGeek Pick: Ambetter
pros
Most affordable average monthly rates
Lowest MOOP cost among insurance providers analyzed
Good number of plans offered
cons
Highest denial rate vs. competitors
COMPANY HIGHLIGHTS
With affordable average monthly rates of $362 and an average MOOP cost of $7,550, Ambetter emerged as the best health insurance in New Hampshire for 2023. However, compared to other insurance providers there, Ambetter has the highest probability of denying claims.
Ten Silver EPO plans are available with Ambetter. These are the third most popular plan types. They are similar to HMOs and advantageous for the same reasons. Similar to HMOs, you are required to stay in the network save for emergencies, although you may not always need a referral to see a doctor.
Plan Recommendations
We recommend the following top Silver EPO plans provided by Ambetter:
- Clear Silver: approximately $347 per month; MOOP $5,400
- Clear Silver + Vision + Adult Dental: approximately $366 per month; MOOP $5,400
- Ambetter Virtual Access Silver - Virtual PCP selection required: approximately $346 per month; MOOP $7,400
Best Health Insurance in New Hampshire for Low Out-of-Pocket Costs
With a MoneyGeek rating of 73 out of 100, Anthem (BCBS) is the best health insurance in New Hampshire that offers the lowest out-of-pocket expenses. Among the insurers, the company has the lowest average denial rate and offers a good number of plans.
For this category, MoneyGeek looked at six Gold EPO plans, 19 Gold HMO plans and seven Gold PPO plans.
MoneyGeek Pick: Anthem (BCBS)
pros
Higher probability for residents to be approved
Lowest average MOOP at $6,946
cons
Highest premiums vs. competitors
Average plan types offered
COMPANY HIGHLIGHTS
With 17 Gold HMO plans and seven Gold PPO plans available, MoneyGeek identified Anthem (BCBS) as the best health insurance in New Hampshire for low out-of-pocket expenses. In comparison to other providers in the state, this company has the highest average rate ($587 per month) but the lowest average MOOP ($6,946).
Given that Anthem (BCBS) has a denial rate that is only 14.67% on average, there is a good chance that your insurance claims will be accepted and that you will receive payment for any essential medical services.
Plan Recommendations
The following low-MOOP health plans from Anthem (BCBS) may be the most ideal for your medical needs:
- Anthem Gold Preferred Blue PPO 2000/20%/4300 w/HSA: approximately $629 per month; MOOP $4,300
- Anthem Gold Pathway Blue PPO 2000/20%/4300 w/HSA: approximately $441 per month; MOOP $4,300
- Anthem Gold Access Blue New England HMO 2000/20%/4300 w/HSA: approximately $545 per month; MOOP $4,300
Best Cheap Health Insurance in New Hampshire
Scoring 76 out of 100, Ambetter is MoneyGeek’s pick for the best affordable health insurance in New Hampshire.
We evaluated 10 Silver EPO plans, 37 Silver HMO plans and 11 Silver PPO plans to determine the winner and recommended plans for this category.
MoneyGeek used a separate scoring system for this category that prioritized affordability. Remember that plans with lower monthly premiums generally have higher out-of-pocket costs. This trade-off could be worthwhile if you do not anticipate needing extensive treatment.
MoneyGeek also analyzed the cheapest health insurance in New Hampshire for those who just want the cheapest rates.
MoneyGeek Pick: Ambetter
pros
Has the lowest out-of-pocket maximums
Cheapest average rate at $362
cons
High average denial rate
Flexibility of plan types is average
COMPANY HIGHLIGHTS
Ambetter is the best cheap health insurance in New Hampshire. The insurer's policies are the most affordable among the providers in the state, with a MOOP cost of $7,550 and a monthly premium of $362. However, due to its 38.09% denial rate, customers could have any of their claims rejected.
There are 10 Silver EPO plans offered by this insurance company. A more restrictive EPO offers less out-of-network provider coverage or compensation. EPO costs are often less than PPO costs for New Hampshire residents who are on a tight budget.
Plan Recommendations
The following reasonably priced Ambetter plans could be perfect for your budget:
- Clear Silver: approximately $347 per month; MOOP $5,400
- Ambetter Virtual Access Silver - Virtual PCP selection required: approximately $346 per month; MOOP $7,400
- Focused Silver: approximately $351 per month; MOOP $7,500
Best Health Insurance for Low Income in New Hampshire
Anthem (BCBS) received an overall MoneyGeek rating of 82 out of 100, making it the best health insurance in New Hampshire for low-income residents.
There are 15 Silver HMO plans and 10 Silver EPO plans available in New Hampshire. In MoneyGeek’s analysis, only health insurance companies with low fixed rates and cost-sharing reductions (CSRs) received points.
CSRs can help you avoid the typical trade-off between increased out-of-pocket expenses and lower premiums if your income is under 250% of the federal poverty level (FPL). Compared to traditional Silver policies, which cover about 70% of medical costs, cost-sharing is greater for CSR plans. In New Hampshire, for example:
- You’ll qualify for a plan that covers around 73% of medical costs if your yearly income is between $27,180 and $33,975 (201% to 250% of the FPL).
- You’ll qualify for a plan that pays about 87% of medical costs if your annual income is between $20,385 and $27,180 (151% to 200% of the FPL),
- For those with annual incomes under $20,385 (up to 150% of the FPL), there is a plan that covers about 94% of medical expenses.
These brackets change depending on how big your household is.
MoneyGeek Pick: Anthem (BCBS)
pros
Most affordable average monthly rate
Lowest average denial rate among providers
cons
Highest out-of-pocket maximum costs
Fewer available plan types
COMPANY HIGHLIGHTS
The best health insurance in New Hampshire for low-income residents, according to MoneyGeek’s analysis, is Anthem (BCBS). The plans provided by this insurer have an average monthly cost of $331, which is the lowest cost in the state. However, it has a $6,767 average MOOP.
Anthem (BCBS) offers nine Silver HMO plans with cost-sharing reductions. You can be sure that your claim will not be rejected, given this company's history of accepting them.
Plan Recommendations
Low-income New Hampshire residents can receive the same premium through Anthem (BCBS) with lower out-of-pocket costs. With the Anthem Silver Pathway X Enhanced HMO 20% for HSA, the lower overall out-of-pocket costs that you can choose from are as follows:
- 201% to 250% of the FPL: approximately $323 per month; MOOP $5,200
- 151% to 200% of the FPL: approximately $323 per month; MOOP $2,750
- Up to 150% of the FPL: approximately $323 per month; MOOP $700
Best Health Insurance for Young Adults in New Hampshire
Young folks can find the best health insurance in New Hampshire with Anthem (BCBS), which earned a MoneyGeek rating of 73 out of 100.
To find the top providers for young individuals, MoneyGeek assessed companies with Bronze or Catastrophic insurance. Only people under 30 can purchase Catastrophic coverage. Although these plans often have the lowest premiums, their out-of-pocket costs are the highest.
For this category, we assessed the following number of plan tiers and types:
- Bronze: Three HMO plans
- Expanded Bronze: Six EPO plans, 17 HMO plans and four PPO plans
- Catastrophic: One HMO plan
MoneyGeek Pick: Anthem (BCBS)
pros
Has the lowest MOOP costs
Lowest average denial rate among insurers
cons
Most expensive average rates
COMPANY HIGHLIGHTS
For young people in New Hampshire, Anthem (BCBS) offers two Bronze HMO plans, four Expanded Bronze PPO plans, 12 Expanded Bronze HMO plans and one Catastrophic HMO plan. A plan typically costs around $344 per month and has a $7,971 MOOP.
Your metal tier determines the extent of your coverage. Younger people who do not need a lot of coverage usually choose Bronze, Expanded Bronze and Catastrophic plans.
Plan Recommendations
The top Anthem (BCBS) health plans for young adults are highlighted as follows:
- Anthem Bronze Pathway X Enhanced HMO 35% for HSA: approximately $196.80 per month for 18-year-olds and $220.72 per month for 26-year-olds; MOOP $7,400
- Anthem Bronze Preferred Blue PPO X 6500/50%/7450 w/HSA: approximately $354.49 per month for 18-year-olds and $397.59 per month for 26-year-olds; MOOP $7,450
- Anthem Bronze Preferred Blue PPO X 6500/25%/7450 w/HSA: approximately $369.18 per month for 18-year-olds and $414.06 per month for 26-year-olds; MOOP $7,450
Best Health Insurance by Plan Type in New Hampshire
Health insurance companies may provide a variety of plan types. In New Hampshire, there are 10 Silver EPO plans, 37 Silver HMO plans and 11 Silver PPO plans.
Here are the top insurers in New Hampshire for each type of plan:
- HMO: Anthem (BCBS) (MoneyGeek score: 60 out of 100)
- PPO: Anthem (BCBS) (MoneyGeek score: 100 out of 100)
- EPO: Ambetter (MoneyGeek score: 100 out of 100)
These recommendations are based on an analysis of Silver plans. This tier is ideal for the average person who needs high-quality medical insurance at a fair price since it finds the ideal balance between cost and coverage.
MoneyGeek Pick for HMO: Anthem (BCBS)
COMPANY HIGHLIGHTS
Anthem (BCBS) has 31 Silver HMO plans in New Hampshire, with average monthly premiums of $436 and average MOOPs of $8,681. Its denial rate is the lowest among all insurers.
Compared to other plan options, HMOs are frequently less expensive. With this plan, you can only visit providers in your provider network to receive coverage for services, with the exception of emergencies and specialty visits, which require a referral.
Plan Recommendations
MoneyGeek recommends the following Silver HMO plans from Anthem (BCBS):
- Anthem Silver Pathway X Enhanced HMO 20% for HSA: approximately $323 per month; MOOP $6,150
- Anthem Silver Pathway X Enhanced HMO 15% for HSA: approximately $338 per month; MOOP $7,400
MoneyGeek Pick for PPO: Anthem (BCBS)
COMPANY HIGHLIGHTS
With an average monthly price of $571 and an average MOOP of $8,700, Anthem (BCBS) offers 11 Silver PPO plans in New Hampshire. It has the lowest denial rate when compared to its competitors.
Plans from PPOs are frequently more expensive than HMOs, but they offer more freedom in terms of provider networks and don't require referrals for visits.
Plan Recommendations
We suggest the following Silver PPO plans from Anthem (BCBS) that you may consider:
- Anthem Silver Preferred Blue PPO 4000/20%/7250 w/HSA: approximately $531 per month; MOOP $7,250
- Anthem Silver Preferred Blue PPO 3000/20%/7250 w/HSA: approximately $556 per month; MOOP $7,250
MoneyGeek Pick for EPO: Ambetter
COMPANY HIGHLIGHTS
Ambetter offers 10 Silver EPO plans in New Hampshire, with average monthly premiums of $362 and MOOPs of $7,550. Its denial rate is among the lowest.
For health care providers outside of its network, an EPO plan offers fewer coverage or reimbursement choices. For members who are on a low budget, EPO rates are frequently less than PPO costs.
Plan Recommendations
The following Silver EPO plans from Ambetter are among the best options:
- Clear Silver: approximately $347 per month; MOOP $5,400
- Clear Silver + Vision + Adult Dental: approximately $366 per month; MOOP $5,400
How to Find the Best Health Insurance for You in New Hampshire
Which health insurance in New Hampshire is best for you will depend on your financial situation and medical needs. Are you willing to pay more if you need care in exchange for lower premiums? Or do you know you will need lots of medical care and are willing to pay higher premiums for lower out-of-pocket costs?
The following advice can be helpful in getting health insurance.
Understand when a health insurance plan will cover you
Although PPO plans are more accommodating in terms of access to treatment outside of your network, HMO plans limit your coverage to services received inside the designated network of your providers. The third most popular sort of plan where you must remain in the network unless there is an emergency is an EPO plan.
In New Hampshire, there are 22 EPO plans, 77 HMO plans and 22 PPO plans available.
Weigh the cost of premiums vs. the cost of care
Higher out-of-pocket costs often accompany plans with lower monthly rates. While this may save you money immediately, it could cost you more in the long run if you need medical care. For instance, the out-of-pocket limit for Ambetter's Clear Silver plan is $5,400, even though the monthly average premium is $347. By paying a higher premium, you might be able to get lower MOOP costs.
Consider New Hampshire Medicare or Medicaid if You’re Eligible
Those who are 65 years or older in New Hampshire or who have a qualifying disease or disability might be eligible for Medicare. This is a federal health insurance program that gives savings on medical care to those who qualify. Medicare is made up of three parts:
- Part A (Hospital Insurance): Provides coverage for inpatient hospital stays, nursing homes, home health care and hospice care.
- Part B (Medical Insurance): Provides coverage for preventative care and outpatient treatment, including doctor visits.
- Part D (Prescription drug coverage): Helps pay for the cost of prescription drugs.
MoneyGeek offers details on where to find New Hampshire's best Medicare Supplement and Medicare Advantage plans.
Individuals and families in New Hampshire who satisfy the eligibility standards can be served by the federal and state-funded health care program known as NH Medicaid (Medical Assistance).
Frequently Asked Questions About Health Insurance in New Hampshire
The best health insurance plan can be confusing to find due to potential issues with cost and availability. To assist you, MoneyGeek provides answers to some frequently asked questions.
About Brenna Kelly, Licensed Health Insurance Agent
