Best Medicare Advantage Plans in New Hampshire (2026)

We researched the best Medicare Advantage plans in New Hampshire, using CMS star ratings, monthly premiums, maximum out-of-pocket limits, and overall coverage features. 

WellSense Health Plan is the top provider in the state for HMO coverage, offering an average monthly premium of $22 and an average MOOP of $8,750, along with a 3.0 CMS star rating.

UnitedHealthcare ranks highest for both HMO-POS and PPO plans, earning 4-star ratings or higher while maintaining competitive costs. Together, these insurers provide strong benefit packages and solid value for Medicare Advantage shoppers.

Medicare Advantage plans cover hospital stays, doctor visits and prescription drugs in one comprehensive package. These Part C plans serve as private alternatives to Original Medicare while adding extra benefits like dental, vision and hearing coverage.

• CMS Star Ratings: Medicare rates these plans from 1 to 5 stars based on care quality and customer satisfaction. Plans earning 4 or 5 stars deliver superior performance and member experiences.
• Monthly premiums: You'll pay your standard Part B premium plus any plan-specific costs. Many Medicare Advantage plans charge no additional monthly premium, though your total varies by location and coverage.
• Maximum out-of-pocket (MOOP) limits: Your plan caps annual spending on covered medical services. After you hit this limit, your plan pays 100% of covered care costs through December.
• Drug coverage: Most plans include prescription benefits with a formulary listing covered medications. Check that your drugs are covered and understand any prior authorization or usage restrictions.

Finding the best Medicare Advantage plan for you requires balancing your medical needs, budget constraints and how much provider choice you want. Evaluate these elements when selecting Granite State coverage:

HMO plans offer the most affordable Medicare Advantage costs in New Hampshire with a $14 median premium and $10 average monthly, carrying $6,520 average out-of-pocket maximums. HMO-POS plans run higher at $20 average monthly premiums but maintain similar $6,717 MOOP limits. PPO plans are the most expensive in the state at $22 median and $26 average monthly premiums with $7,450 average out-of-pocket maximums, but they let you see out-of-network providers and access specialists without referrals.

Get answers about Medicare Advantage enrollment processes, what's covered and enrollment timing for New Hampshire residents.

We analyzed Medicare Advantage plans using a weighted scoring system that prioritizes affordability and quality. Our methodology scores three main factors to help you find plans that offer the best value for your health care needs.

• Affordability (50%): Cost accounts for half of our overall score because it affects your budget. We evaluated monthly premiums for Part C and Part D coverage combined (30% weight) and in-network maximum out-of-pocket limits (20% weight). Plans with lower premiums and MOOP amounts score higher since they reduce your total annual health care spending.
• Star Ratings (40%): CMS star ratings measure plan quality across categories like care effectiveness, customer service and member satisfaction. The Overall Star Rating combines both Part C (medical coverage) and Part D (prescription drug) ratings on a scale from 1 to 5 stars. Plans with higher ratings earn better scores in our analysis.
• Availability (10%): We score providers based on how many states they operate in, including Washington, D.C. Providers with broader geographic availability score higher because they're more likely to maintain coverage if you move and often have more resources for customer support and plan improvements.

This scoring system helps you compare plans objectively while accounting for what matters most: what you'll pay and the quality of care you'll receive.