Wellcare Health offers the cheapest health insurance in New Hampshire at $415 per month on average, saving residents $236 monthly compared to the statewide average. Ambetter follows at $502 monthly ($149 in savings), and Harvard Pilgrim Health Care ranks third at $708 ($57 in savings).
Cheapest Health Insurance in New Hampshire: Affordable Plans for 2026
Updated: December 22, 2025
Advertising & Editorial Disclosure
Key Takeaways
WellCare Health, Ambetter and Harvard Pilgrim Health Care have the cheapest health insurance in New Hampshire, with average monthly rates ranging from $415 to $708.
WellCare offers the most affordable health insurance in New Hampshire across most demographics and HMO plans ($389 monthly). Coverage for children averages $233 monthly, teens $278, young adults $312, adults $389 and seniors $826. Ambetter leads for EPO plans ($455) and Anthem for PPO plans ($747).
Cheapest Health Insurance Providers in New Hampshire
| Wellcare Health | $415 | $236 | $4,980 | $2,832 |
| Ambetter | $502 | $149 | $6,024 | $1,788 |
| Harvard Pilgrim Health Care | $708 | $57 | $8,496 | $684 |
| Anthem | $716 | $65 | $8,592 | $780 |
*Average monthly costs represent the mean of all plan rates for each provider in New Hampshire, rounded to the nearest dollar. Monthly savings show the cost difference between each provider's average rate and the statewide benchmark.
WellCare
MoneyGeek Rating
4.8/ 5
5/5Affordability
5/5Deductible
4.2/5MOOP
Avg. Monthly Rate
$415Avg. MOOP
$6,485Avg. Deductible
$3,263
Most Affordable New Hampshire Health Insurance By Category
Your rate depends on your age, plan type and metal tier. Compare monthly premiums against deductibles and out-of-pocket limits to find the best health insurance provider in New Hampshire.
Wellcare Health offers the cheapest rates across most demographics in New Hampshire. You'll pay higher deductibles ($3,263 average) and out-of-pocket limits ($6,485 average) for those low premiums.
| Children | Wellcare Health | $233 | $2,793 | $6,031 | $1,714 |
| Teens | Wellcare Health | $278 | $3,333 | $6,031 | $1,714 |
| Young Adults | Wellcare Health | $312 | $3,738 | $6,031 | $1,714 |
| Adults | Wellcare Health | $389 | $4,666 | $6,031 | $1,714 |
| HMO | Wellcare Health | $389 | $4,666 | $6,031 | $1,714 |
| EPO | Ambetter | $455 | $5,454 | $5,169 | $3,538 |
| With Health Savings Account Elligibility | Anthem | $520 | $6,238 | $7,248 | $4,241 |
| PPO | Anthem | $747 | $8,961 | $9,150 | $3,625 |
| Seniors | Wellcare Health | $826 | $9,908 | $6,031 | $1,714 |
*These are average rates for all plan types and metal levels, with teens at 18, young adults at 26, adults at 40 and seniors at 60. For plan type costs, we used average rates for 40-year-olds.
Most Affordable New Hampshire Health Insurance By Metal Level
Anthem leads Catastrophic coverage at $278 monthly for 40-year-olds. Wellcare Health offers the cheapest Expanded Bronze plans at $319, Silver at $389 and Gold at $417 with a $1,500 deductible. Anthem has the lowest Platinum rates at $752.
| Catastrophic | Anthem | $278 | $3,331 | $10,600 | $10,600 |
| Expanded Bronze | Wellcare Health | $319 | $3,833 | $7,050 | $5,400 |
| Silver | Wellcare Health | $389 | $4,666 | $6,031 | $1,714 |
| Gold | Wellcare Health | $417 | $4,999 | $6,150 | $1,500 |
| Platinum | Anthem | $752 | $9,025 | $3,500 | No Data |
Cheap New Hampshire Health Insurance: Personalized Picks
Filter New Hampshire health insurance plans by age, plan type and metal level to find rates that match your needs.
Data filtered by:
HMO
Silver
40
No
| Wellcare Health | Wellsense Clarity Nh Silver 3400 + $0 Rx List + 24/7 Nurse Advice | $388 | HMO | Silver | $6,414 | $2,043 | 40 | No |
| Wellcare Health | Wellsense Clarity Nh Silver 6000 + $0 Rx List + 24/7 Nurse Advice | $388 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Wellcare Health | Wellsense Clarity Nh Silver 0 Deductible + $0 Rx List + 24/7 Nurse Advice | $390 | HMO | Silver | $6,021 | $0 | 40 | No |
| Anthem | Anthem Silver Pathway X Enhanced 6000/40% ($0 Virtual Pcp + $0 Select Drugs) Standard | $415 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Anthem | Anthem Silver Pathway X Enhanced 5500/20% ($0 Virtual Pcp + $0 Select Drugs) | $440 | HMO | Silver | $5,200 | $3,093 | 40 | No |
| Anthem | Anthem Silver Pathway X Enhanced 4500/20% Hsa | $445 | HMO | Silver | $2,425 | $1,350 | 40 | No |
| Anthem | Anthem Heart Healthy Silver Pathway X Enhanced 4000/0% ($0 Virtual Pcp + $0 Select Drugs) | $478 | HMO | Silver | $5,464 | $2,400 | 40 | No |
| Anthem | Anthem Silver Pathway X Hmo 5000/30%/9000 Value | $480 | HMO | Silver | $9,000 | $5,000 | 40 | No |
| Anthem | Anthem Silver Pathway X Hmo 4000/30%/9000 Value | $490 | HMO | Silver | $9,000 | $4,000 | 40 | No |
| Anthem | Anthem Silver Pathway X Hmo 3000/30%/9000 Value | $504 | HMO | Silver | $9,000 | $3,000 | 40 | No |
How to Get Cheap Health Insurance in New Hampshire
New Hampshire health insurance rates vary widely. Use these strategies to find affordable coverage that meets your needs.
- 1Look Beyond Bronze Plans
Don't default to the cheapest Bronze or Catastrophic plan. Silver and Gold plans provide better value when you factor in lower deductibles and out-of-pocket costs, especially if you need regular medical care.
- 2Review Your Medical Spending
Review last year's health care spending. If you only visited the doctor twice and didn't need prescriptions, a high-deductible plan saves money. For example, if you spent $500 last year on two routine doctor visits and one urgent care trip, a Bronze plan with a $6,000 deductible might save you $150 monthly compared to a Gold plan.
- 3Explore HMO Options
HMO plans cost less than PPO options in New Hampshire. You'll need to stay within the provider network, but Wellcare Health and other HMO providers save you $100 or more monthly.
- 4Verify Subsidy Eligibility
Premium tax credits from the Health Insurance Marketplace reduce your monthly costs based on your income. Even middle-income families qualify for assistance. Check your eligibility before purchasing a plan.
- 5Time Your Purchase Right
Open enrollment runs from November 1 to January 15 each year. Missing this window means waiting until next year unless you qualify for a special enrollment period due to major life changes like marriage, birth or job loss.
Cheapest Health Insurance in New Hampshire: Bottom Line
Wellcare Health is the cheapest health insurance provider in New Hampshire, followed by Ambetter and Harvard Pilgrim Health Care. Compare rates from all three insurers across metal tiers and plan types to find your lowest cost.
Affordable Health Insurance in New Hampshire: FAQ
Find answers to the most common health insurance questions for New Hampshire residents:
How do I get cheap health insurance in New Hampshire?
Shop during open enrollment (November 1 to January 15) and compare plans from Wellcare Health, Ambetter and Harvard Pilgrim Health Care across multiple metal tiers. Check your eligibility for premium tax credits through the Health Insurance Marketplace. HMO plans cost less than PPO options in New Hampshire.
How much does health insurance cost in New Hampshire?
Health insurance in New Hampshire costs an average of $610 monthly ($7,320 annually) across all plan types and metal levels. Monthly rates range from $166 to $2,122 depending on your age, coverage tier and plan type.
Does New Hampshire require health insurance?
New Hampshire doesn't require health insurance. The federal individual mandate penalty ended in 2019, so you won't face tax penalties for going uninsured. Coverage provides financial protection from high medical costs and covers preventive care and treatment.
Our Methodology
Comparing health insurance in New Hampshire means sorting through multiple providers with different rate structures across age groups and plan types. We analyzed every available plan from federal marketplace data to identify which insurers offer the lowest premiums for New Hampshire residents.
Research Approach
We collected premium data for five ages: 18, 26, 40, 50 and 60. These ages show how rates change from young adult coverage through near-Medicare eligibility, revealing the full cost range New Hampshire residents face at different life stages.
Why We Focus on 40-Year-Olds
Our primary affordability rankings use 40-year-old rates because this age sits at the midpoint of the working-age population in New Hampshire. Using one consistent age removes variables and provides clear comparisons across providers without age distorting the results.
Age-Specific Rankings
We also ranked insurers separately at each age bracket. A provider that's cheapest for young adults might not be most affordable for someone near 60, so these age-specific rankings help you find the best rate for your life stage.
All data comes from federal sources and covers metal tiers and plan types available to New Hampshire residents through the Health Insurance Marketplace.
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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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.