Best Medicare Advantage Plans in New Hampshire (2027)

Humana provides the best Medicare Advantage plans in New Hampshire for 2027, and UnitedHealthcare is the best alternative. Both hold a median 4 of 5 stars from the Centers for Medicare & Medicaid Services (CMS), which rates plans on care quality and member experience.

Cost is nearly tied as well. Max annual cost exposure, a year of premiums plus the plan’s out-of-pocket limit, is the most you’d pay for in-network care. Humana’s median is $94 lower, under $8 a month.

Reach is where Humana wins. It sells plans in twice as many counties, so more New Hampshire residents can buy it. Check which carriers serve your ZIP code first.

New Hampshire has 15 standard Medicare Advantage plans for 2027, open to anyone with Medicare, from three carriers. Medicare Advantage is private coverage that replaces Original Medicare, the federal Part A and Part B program. Every plan has a required out-of-pocket limit, and most include drug coverage.

Devoted Health, a new entrant, has three standard plans and a median max annual cost exposure of $7,650. Its contract is too new for CMS star ratings, so it isn’t ranked. 

Plan choice varies widely by county, from one standard plan in Cheshire to 15 in Hillsborough. If nothing in your county works for you, Original Medicare paired with a Medicare Supplement plan, which covers costs Medicare leaves behind, is the main alternative.

In New Hampshire, your county determines which carriers you can enroll with. Plan counts range from one in Cheshire County to 15 in Hillsborough, so confirm which carriers serve your county first, then compare their out-of-pocket limits and CMS ratings.

Most New Hampshire Medicare Advantage plans charge no premium in 2027, so your real cost comes from using care. HMOs, which limit you to in-network doctors, are the only plan type whose median premium is above $0, at $14 a month. They also have the lowest median out-of-pocket limit, $6,700.

PPOs, which also cover out-of-network doctors, carry a median limit $700 higher but charge $90 a day less for hospital stays, or $450 less over five days at median rates. HMO-POS plans, HMOs that cover some out-of-network care, have a median limit of $7,150. For a planned surgery, the PPO’s lower hospital copay saves more. An HMO protects better against a year of ongoing treatment, since its lower limit stops your spending sooner.

*Median cost figures across all 15 non-SNP New Hampshire MA plans, grouped by plan type. All dollar figures rounded to nearest dollar. Source: CMS 2027 data, MoneyGeek analysis.

Use these state and federal resources to compare Medicare Advantage plans, review your coverage and get enrollment help in New Hampshire.

• New Hampshire SHIP: Provides free, unbiased Medicare counseling to help you compare plans, review costs and understand your coverage options in New Hampshire.
• The New Hampshire Insurance Department: Explains 2027 Medicare Advantage changes, county plan lists and Medicare Supplement guaranteed-issue rights, with help at 800-852-3416.
• Medicare Plan Finder: Compare Medicare Advantage plans available in your county by estimated costs, benefits and star ratings.
• The Social Security Administration: Enrolls you in Medicare Part A and Part B, which you need before joining a Medicare Advantage plan.
• The New Hampshire Bureau of Elderly and Adult Services: Connects older adults with local services, including Medicare counseling and benefits assistance programs across New Hampshire.

MoneyGeek’s 2027 New Hampshire Medicare Advantage ratings assess 15 non-SNP plans from three carriers across seven CMS contracts in eight of New Hampshire’s 10 counties. Five CMS data sources go into the ratings: the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.   

Carriers needed to serve at least three New Hampshire counties and have complete data for all three scoring categories. Humana and UnitedHealthcare met both requirements.

Devoted Health is new to New Hampshire for 2027. Its three standard plans (six counting special needs plans) have a median max annual cost exposure of $7,650. The contract has no CMS Star Rating or CAHPS member survey data yet, so Devoted isn’t rated or featured in the provider reviews above.

How We Score Carriers

Each eligible carrier receives a MoneyGeek score out of five. The score is a weighted average of three categories:   

• Affordability (40%): The affordability score reflects four cost inputs: maximum annual cost exposure (annual premiums plus the maximum out-of-pocket limit), inpatient hospital costs, specialist costs and primary care costs.
• Quality and Member Experience (40%): Sixty percent of this category comes from CMS Star Ratings and 40% from CAHPS Rating of Health Plan scores, from CMS’s annual member satisfaction survey, each at the contract level.
• Benefits and Access (20%): This category gives 50% to dental, over-the-counter (OTC) allowance, vision and hearing benefits, 30% to county coverage and 20% to plan choice per county.