With a score of 91 out of 100, Ambetter offers the best health insurance in New Hampshire, balancing affordability, customer service and coverage. If Ambetter isn't available locally, Anthem (BCBS), Harvard Pilgrim Health Care and WellSense Health Plan also provide excellent coverage options.
Best Health Insurance in New Hampshire
Updated: June 24, 2025
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Key Takeaways
Overall, Ambetter offers the best and most balanced health insurance coverage in New Hampshire.
Ambetter provides the best cheap health insurance in New Hampshire, with Silver-tier plans averaging $328 monthly, where available.
To find the best health insurance in New Hampshire, educate yourself on companies available to you, decide coverage needs beforehand and compare plan quotes from several companies.
Best Health Insurance Companies in New Hampshire
| Ambetter | 91 | Clear Silver |
| WellSense Health Plan | 75 | WellSense Clarity NH Silver 5000 + $0 Rx List + 24/7 Nurse Advice |
| Anthem (BCBS) | 64 | Anthem Silver Preferred Blue PPO 4000/10%/7250 w/HSA |
| Harvard Pilgrim Health Care | 60 | NH Local HMO Silver 5000 Standard |
*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.
Best Health Insurance in New Hampshire by Category
While we've given our top picks overall, the best company for you may differ depending on your profile and preferred plan type. So below, we've broken down the top picks for common categories to make more personalized recommendations.
| Children/Familes | Ambetter |
| Young Adults | Ambetter |
| Seniors | Ambetter |
| PPO | Anthem (BCBS) |
| HMO | WellSense Health Plan |
| EPO | Ambetter |
Best New Hampshire Health Insurance Reviews
So that you can learn about our recommendations, we've broken down our top picks overall, for affordability and customer service reputation.
Ambetter: Best Overall
pros
Cheapest rates for most in New Hampshire
Comprehensive benefits and digital health tools
Best overall MoneyGeek score in the state
cons
Limited provider network flexibility
COMPANY HIGHLIGHTS
Overall, Ambetter was our pick for the best health insurance in New Hampshire due to its comprehensive statewide coverage and excellent value proposition, with a MoneyGeek score of 91 out of 100. It is also the cheapest overall option in the state, with Silver-tier plans averaging $328 monthly, where available. The company has a denial rate of 14.84%, lower than most of the competition, and offers unique benefits like Virtual 24/7 Care and its Premier Network of trusted doctors and hospitals.
Blue Cross Blue Shield: Best Customer Reputation
pros
Extensive national network and brand recognition
Highest customer reputation score in New Hampshire
Comprehensive plan options and coverage levels
cons
Higher costs compared to competitors
No out-of-network coverage, unless there's a medical emergency
COMPANY HIGHLIGHTS
Anthem Blue Cross Blue Shield stands out for customer service in New Hampshire as a well-established provider with a strong local presence. It was recognized as the Best Health Insurance Provider in NH Business Review's 2021 and 2022 Best of Business Awards. Anthem's HMO/POS plan is rated 4 out of 5 in the National Committee for Quality Assurance's commercial Health Plan Ratings, and it maintains dedicated customer service with local expertise serving approximately 608,886 members in New Hampshire.
How to Find the Best Health Insurance for You in New Hampshire
The following recommendations will ensure that buying health insurance that is ideal for you is easy.
Decide on your coverage needs before buying
When looking for the best health insurance, weigh the monthly cost against the maximum out-of-pocket limits for plans. If you go to the doctor often, a plan with a higher monthly fee but lower MOOP can save you money. But you may not need as much coverage if you're not high risk. Also, compare health insurance plan types to ensure how flexible a provider will be in covering you.
Compare company offerings and reputations
Before comparing rates, understand what plans the top companies in your area offer and their terms. Also, look into company reputations through forums and industry sources like J.D. Power to ensure a smooth buying and coverage claims process.
Shop around
Comparing multiple plans from many providers ensures you get the best possible deal. We found that rates can start as low as $328 per month in New Hampshire, depending on your personal profile and plan type chosen. Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, divorced or had a child.
Take advantage of federal programs and subsidies
Those with low income, have a qualifying disability or illness, or are 65 years old or older can receive subsidies or be eligible for Medicare plans. In some cases, depending on your details, you can have up to 100% of your premiums covered if you're low-income or have significant savings if you're eligible for Medicare. MoneyGeek also provides information for finding the top New Hampshire Medicare Supplement and best Medicare Advantage plans in New Hampshire if you want to learn more.
Best Health Insurance in New Hampshire: Bottom Line
Overall, our top three New Hampshire health insurance picks are Ambetter, WellSense Health Plan and Anthem. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Compare as many plans and companies as possible to get the right fit.
Best New Hampshire Health Insurance: FAQ
Below we've answered frequently asked questions about the best health insurance in New Hampshire:
What is the best health insurance provider in New Hampshire for 2025?
Ambetter provides the best health insurance in New Hampshire for 2025. However, the best choice for you will depend on your unique circumstances and needs and if coverage is available in your county.
What should you look for when shopping for the best health insurance plan in New Hampshire?
When finding the best health insurance plan, compare both premium costs and coverage breadth to ensure the plan meets your specific medical needs without gaps in essential services. The ideal plan balances affordability with comprehensive coverage that aligns with your health requirements and anticipated medical expenses.
How We Chose the Best Health Insurance in New Hampshire
To rank health care insurance providers in New Hampshire, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.
We weighted most categories as follows:
- Maximum out-of-pocket (MOOP) score (30%): The MOOP is the most you'll pay per year for health care costs outside of your monthly premiums. The provider with the lowest average MOOP scores the highest.
- Claims denial score (30%): How often a provider denies claims. The provider with the lowest claims denial rate scores the highest.
- Rate score (20%): How much the provider's monthly plans cost. The cheapest provider, on average, gets the highest score.
- Plan type score (20%): Providers score better if they have plan types with broader coverage. A provider with many PPO plans will get the highest score.
In some cases, we adjusted the weightings as follows:
- For the categories "Best Cheap Health Insurance in New Hampshire" and "Best Health Insurance in New Hampshire for Low Income," we increased the rate score weighting to 50%. We decreased every other category by 10%.
- For the category "Best Health Insurance by Plan Type in New Hampshire," we decreased the plan type score weighting to 0% to reflect that we are comparing providers' plans like-for-like. We increased MOOP and claims denial score weightings by 10% each.
Sample Consumer:
MoneyGeek collected data on all available plans in New Hampshire for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.