Best Medicare Supplement Plans in New Hampshire (2026)

First Health Life & Health charges New Hampshire's lowest rates in two plan categories: Plan N at $129 monthly and Plan F at $250 monthly. Anthem has the best Plan G rate at $180 monthly. 

Every carrier in MoneyGeek's New Hampshire analysis used Issue Age Pricing across all 10 standardized plan types. Under Attained Age Pricing, premiums rise every year. Under Issue Age, a 65-year-old who enrolls in Plan G at $180 per month keeps that rate.

Most Plan G buyers should go straight to Anthem at $180 per month. Buyers who can manage a $20 copay per doctor visit pay $129 per month for First Health's Plan N, $51 less than Anthem's Plan G. Plan K buyers get the state's lowest rate from AARP at $89 per month. Plan L buyers start with Transamerica at $161 per month.

*Prices are for 65-year-olds.

Plan K averages $120 monthly while Plan C averages $327. For most 65-year-olds with no pre-existing conditions, Plan G at $180 from Anthem offers the strongest coverage-to-cost ratio in New Hampshire.

Anthem charges $180 monthly for Plan G in New Hampshire, 25% below the sub-table average across the seven carriers reviewed. State Farm charges $186 monthly and Mutual of Omaha charges $191 monthly for the same coverage. Annual costs for Plan G range from $2,160 to $2,808 with the top seven companies.

The $54 monthly gap between Anthem's $180 and Bankers Life's $234 works out to $648 per year for identical Plan G benefits. For a 65-year-old who enrolls during open enrollment and stays with the same carrier for a decade, difference compounds to over $6,000.

New Hampshire's Plan F premiums range from $250 to $291 monthly based on the insurer's pricing method and deductible options. First Health Life & Health charges $250 monthly, 19% below the sub-table average across the seven carriers reviewed. AFLAC is priced at $251 monthly and SilverScript at $252 for the same coverage. Only Medicare beneficiaries who enrolled before January 1, 2020, can purchase Plan F.

Plan F costs $307 to $323 monthly depending on the carrier set reviewed, but it covers every Medicare-approved cost including the Part B deductible. For seniors who enrolled in Medicare before 2020 and want zero out-of-pocket exposure on covered services, the $61 to $77 more per month than Plan G on average may be worth paying. For everyone else, Plan G provides the same coverage minus the Part B deductible at a lower monthly rate.

Plan N costs from $129 to $184 monthly in New Hampshire, depending on the carrier. First Health Life & Health offers the cheapest Plan N at $129 monthly, 31% below the sub-table average of $186 among the seven carriers reviewed. Mutual of Omaha ($140 monthly) and State Farm ($144 monthly) provide competitive rates. Plan N requires copays of up to $20 for doctor visits and up to $50 for emergency room visits that don't result in admission.

At six doctor visits per year, Plan N saves $492 against Anthem's Plan G. Six $20 copays total $120, the $612 annual premium gap covers them and leaves $492.

The filterable table below displays New Hampshire Medicare Supplement rates organized by plan type, age and deductible options. Most New Hampshire companies use Issue Age Pricing, which locks your premium at your enrollment age.

For 65-year-olds in New Hampshire, Medicare Supplement insurance averages $234 monthly and averages $120 to $327 across 10 standardized plan types. Plan K costs the least at $120 monthly while Plan C costs the most at $327. The three most popular plans, Plan G, Plan F and Plan N, average $246, $323 and $191 monthly. Annual costs range from $1,440 to $3,924.

Plan K's $120 monthly average is the lowest on the page, but Plan K only covers 50% of most Medicare costs until you hit an annual out-of-pocket cap. 

Plan G covers nearly everything at $246 monthly, a $126 monthly premium difference that buys complete cost certainty.

Start by deciding whether you want full cost coverage or lower premiums with copays. Plan G covers every Medicare-approved cost except the Part B deductible; Plan N covers the same but charges $20 per doctor visit. Federal law standardizes benefits within each plan type. Compare costs and pricing methods across carriers, all reviewed carriers hold A− or better AM Best ratings, so reliability is not a differentiating factor here.

New Hampshire residents seeking help with Medicare coverage and enrollment options can access multiple free resources.

• New Hampshire State Health Insurance Assistance Program (SHIP): Offers free, confidential individual counseling to help Medicare beneficiaries compare plans and choose coverage. Certified volunteers provide unbiased guidance on Medicare Supplement plans, Medicare Advantage and Part D prescription drug coverage.
• New Hampshire Department of Insurance: Provides consumer protection services and publishes rate comparisons for Medicare Supplement plans. The department runs a helpline for insurance questions and complaints, and helps seniors identify and report insurance fraud.
• New Hampshire Area Agencies on Aging: Serves older adults with information and programs including assistance with Medicare enrollment and benefits counseling. These agencies provide access to local community resources for seniors and caregivers throughout the state.
• Medicare.gov: The official federal Medicare website carries information on all Medicare options, including a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans in your ZIP code.

For most 65-year-olds enrolling in New Hampshire during open enrollment, Anthem's Plan G at $180 per month is the strongest starting point. Plan G covers every out-of-pocket Medicare cost except the annual Part B deductible, a predictable annual expense that's easy to budget for. At $180 monthly, Anthem's rate runs $66 below the state average and $6 less than State Farm's Plan G. That $72 annual gap is worth locking in during open enrollment when guaranteed acceptance applies.

If you prefer lower monthly costs and can manage copays, First Health's Plan N at $129 per month saves $612 per year over Anthem's Plan G. The trade-off is a $20 copay for most doctor visits and $50 for emergency room visits that don't lead to admission.

Seniors who want the lowest monthly premium should look at AARP's Plan K at $89 monthly. Plan K covers 50% of most costs until you hit the annual out-of-pocket limit, so it works best if you're in good health and expect few claims.

Below are answers to common questions about Medigap coverage in New Hampshire.

MoneyGeek collected New Hampshire Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.

We scored New Hampshire Medigap companies across three categories to create a weighted score out of 5:

• Affordability (50%): Lower monthly premiums earn higher scores.
• Pricing style (20%): Community Pricing scores 1.0, Issue-Age Pricing scores 0.8 and Attained-Age Pricing scores 0.6. A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums don't rise with age.
• Plan availability (30%): Carriers offering more plan types score higher. We weighted Plans G, F and N more heavily because they are the most commonly chosen by new enrollees.