WellSense Health Plan provides the cheapest overall health insurance in New Hampshire, with an average monthly premium of $190. Availability may vary, so also consider Anthem (BCBS), Harvard Pilgrim Health Care and Ambetter for affordable health plans.
Most Affordable Health Insurance in New Hampshire
Updated: June 11, 2025
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Key Takeaways
WellSense Health Plan provides the state's most affordable health insurance, saving policyholders an average of $408 per month compared to the state average.
Anthem (BCBS) offers top-rated full coverage Platinum plans, with affordable pricing starting at $607 monthly.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in New Hampshire
| WellSense Health Plan | $190 | $408 |
| Anthem (BCBS) | $306 | $292 |
| Harvard Pilgrim Health Care | $309 | $289 |
| Ambetter | $328 | $270 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest New Hampshire Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in New Hampshire, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest for Young Adults: WellSense Health Plan ($255 monthly)
- Cheapest for Seniors: WellSense Health Plan ($675 monthly)
- Cheapest Catastrophic Plan: Anthem (BCBS) ($243 monthly)
- Cheapest Expanded Bronze Plan: WellSense Health Plan ($271 monthly)
- Cheapest Bronze Plan: Anthem (BCBS) ($297 monthly)
- Cheapest Silver Plan: WellSense Health Plan ($318 monthly)
- Cheapest Gold Plan: Ambetter ($354 monthly)
- Cheapest Full Coverage (Platinum Plan): Anthem (BCBS) ($607 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
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Age:40
| WellSense Health Plan | WellSense Clarity NH Silver 0 Deductible + $0 Rx List + 24/7 Nurse Advice | $318 | $223 | $9,200 |
Cheapest Health Insurance Plans by County in New Hampshire
While WellSense Health Plan is the cheapest company overall, Anthem (BCBS) is the most affordable and widely available Silver plan in most counties. Below, you can review which company and plan are most affordable in your area.
| Belknap | Anthem (BCBS) | $324 | Anthem Silver Pathway X Enhanced 5900/40% Standard |
| Carroll | Anthem (BCBS) | $324 | Anthem Silver Pathway X Enhanced 5900/40% Standard |
| Cheshire | Anthem (BCBS) | $324 | Anthem Silver Pathway X Enhanced 5900/40% Standard |
| Coos | Anthem (BCBS) | $324 | Anthem Silver Pathway X Enhanced 5900/40% Standard |
| Grafton | Anthem (BCBS) | $324 | Anthem Silver Pathway X Enhanced 5900/40% Standard |
| Hillsborough | Anthem (BCBS) | $324 | Anthem Silver Pathway X Enhanced 5900/40% Standard |
| Merrimack | Anthem (BCBS) | $324 | Anthem Silver Pathway X Enhanced 5900/40% Standard |
| Rockingham | Anthem (BCBS) | $324 | Anthem Silver Pathway X Enhanced 5900/40% Standard |
| Strafford | Anthem (BCBS) | $324 | Anthem Silver Pathway X Enhanced 5900/40% Standard |
| Sullivan | Anthem (BCBS) | $324 | Anthem Silver Pathway X Enhanced 5900/40% Standard |
How to Find the Cheapest Health Insurance in New Hampshire
Follow these steps to find affordable health insurance in New Hampshire:
- 1
Determine what coverage plan you need and can afford
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2
Find out your subsidy eligibility
People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3
Consider federal programs if old enough
If you are eligible, explore Medicare Advantage plans and Medicare Supplement plans. These programs are often more affordable than traditional health insurance and offer more flexible coverage options.
- 4
Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5
Compare plans during Open Enrollment
Open Enrollment is from November 1 to January 15. However, you may qualify for Special Enrollment if you've experienced life changes like losing a job, divorce or having a child. Evaluate plan types, costs, customer reviews and network availability to find the most suitable and affordable coverage for your circumstances.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in New Hampshire: Bottom Line
WellSense Health Plan, Anthem (BCBS), Harvard Pilgrim Health Care and Ambetter are New Hampshire's most affordable insurance companies. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap New Hampshire Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in New Hampshire:
What is the cheapest health insurance in New Hampshire?
WellSense Health Plan offers the cheapest health insurance in New Hampshire, with Silver plans starting at $190 per month for 40-year-olds. However, Ambetter, Harvard Pilgrim Health Care and Anthem (BCBS) could also fit your budget and coverage needs.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in New Hampshire
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in New Hampshire based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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.