Cheapest Health Insurance in New Hampshire (2024 Plans)

Updated: October 16, 2024

Advertising & Editorial Disclosure

Choosing a metal tier impacts your health insurance premiums and expenses. According to our research, MoneyGeek found that Anthem (BCBS) offers the most affordable plans across all tiers in New Hampshire.

If you're looking to balance monthly premiums with quality claims and coverage, MoneyGeek also analyzed the best health insurance in New Hampshire.

MoneyGeek Logo IconCheapestHealth InsuranceNew Hampshire
2024

Most Affordable Health Insurance in New Hampshire

Cheapest Silver Plan - Anthem Blue Cross and Blue Shield
Cheapest Gold Plan - Anthem Blue Cross and Blue Shield
Cheapest Bronze Plan - Anthem Blue Cross and Blue Shield
Cheapest Expanded Bronze Plan - Anthem Blue Cross and Blue Shield
Cheapest Catastrophic Plan - Anthem Blue Cross and Blue Shield
Cheapest Platinum Plan - Anthem Blue Cross and Blue Shield
Cheapest for Low Income - Anthem Blue Cross and Blue Shield
Find the Cheapest by Plan Type
Find the Cheapest Plan in Your County

Why Trust MoneyGeek? We downloaded plan data for New Hampshire directly from the Centers for Medicare and Medicaid Services (CMS).

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Plan data was updated with the CMS exchange data released in October, the latest available data for the 2024 enrollment period.

167Plans Analyzed
 
6Providers Compared

Cheapest Health Insurance in New Hampshire by Metal Tier

Health insurance costs are stratified by metal tier, balancing higher premiums against lower deductibles and out-of-pocket expenses.

The most cost-effective Silver plan in New Hampshire is the Anthem Silver Pathway X Enhanced 5900/40% Standard offered by Anthem (BCBS), costing just $324 monthly. For those willing to accept higher out-of-pocket costs for reduced monthly rates, Bronze plans are another affordable option.

Here are the most affordable health insurance plans in New Hampshire from each metal tier:

  • Catastrophic: Anthem Catastrophic Pathway X Enhanced 9450/0% ($177 per month) – only available to those under 30 or with a qualifying hardship or affordability exemption.
  • Bronze: Anthem Bronze Pathway X Enhanced 6500/40% ($266 per month)
  • Expanded Bronze: Anthem Bronze Pathway X Enhanced 7500/50% Standard ($273 per month)
  • Silver: Anthem Silver Pathway X Enhanced 5900/40% Standard ($324 per month)
  • Gold: Anthem Gold Pathway X Enhanced 700/40% ($354 per month)
  • Platinum: Anthem Platinum Pathway X HMO 250/10%/3000 ($590 per month)

Find more options for cheap health insurance to fit your budget and needs.

Data filtered by:Results filtered by:
Age:
Age:40
CatastrophicAnthem Catastrophic Pathway X Enhanced 9450/0%Anthem (BCBS)$221$9,450
BronzeAnthem Bronze Pathway X Enhanced 6500/40% Anthem (BCBS)$266$9,400
Expanded BronzeAnthem Bronze Pathway X Enhanced 7500/50% StandardAnthem (BCBS)$273$9,400
SilverAnthem Silver Pathway X Enhanced 5900/40% StandardAnthem (BCBS)$324$9,100
GoldAnthem Gold Pathway X Enhanced 700/40% Anthem (BCBS)$354$7,500
PlatinumAnthem Platinum Pathway X HMO 250/10%/3000Anthem (BCBS)$590$3,000
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WHAT ARE METAL TIERS?

In the New Hampshire health insurance marketplace, consumers can select from various metal tiers — Bronze, Silver, Gold and Platinum — which signify the insurer's share of health care costs versus the consumer's. Catastrophic plans, which tend to have the lowest premiums and highest out-of-pocket costs, are also available, targeting those under 30 or with a hardship exemption.

As we move up the metal tiers, premiums generally increase while out-of-pocket expenses decrease. For instance, a Bronze plan may have lower monthly costs but higher out-of-pocket expenses when care is needed, which can be significant during a major health event. Conversely, a Platinum plan will carry higher monthly premiums, but the insurer covers a larger percentage of expenses, minimizing the cost when care is needed.

For individuals below 250% of the Federal Poverty Line, cost-sharing reductions (CSRs) are available on Silver plans. These CSRs lower the amount one pays for deductibles, copayments, and coinsurance, offering financial relief and making health care more accessible.

Cheapest Silver Plans in New Hampshire

The most cost-effective Silver-tier health insurance plan in New Hampshire is the Anthem Silver Pathway X Enhanced 5900/40% offered by Anthem (BCBS), at an average monthly cost of $324.

Here are the three most affordable Silver plans in New Hampshire:

  • Anthem Silver Pathway X Enhanced 5900/40% from Anthem (BCBS) ($324 per month)
  • Anthem Silver Pathway X Enhanced 4500/20% HSA from Anthem (BCBS) ($335 per month)
  • Anthem Silver Pathway X Enhanced 5500/20% from Anthem (BCBS) ($335 per month)

Silver plans are ideal for individuals who anticipate needing moderate health care services, prefer lower deductibles and do not want to pay high premiums. Customers with lower incomes might be eligible for cost-sharing reductions, which reduce out-of-pocket expenses like deductibles, copayments and coinsurance. These reductions make care and treatment more accessible and affordable when services are needed.

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Age:
Age:40
Anthem (BCBS)$324$9,100Anthem Silver Pathway X Enhanced 5900/40% Standard
Anthem (BCBS)$335$6,150Anthem Silver Pathway X Enhanced 4500/20% HSA
Anthem (BCBS)$335$9,200Anthem Silver Pathway X Enhanced 5500/20%
Ambetter$347$9,100Standard Silver
Anthem (BCBS)$347$7,400Anthem Silver Pathway X Enhanced 3500/15% HSA
Ambetter$353$8,000Focused Silver
Ambetter$360$8,500Complete Silver
Ambetter$365$9,100Standard Silver + Vision + Adult Dental
Anthem (BCBS)$371$9,100Anthem Silver Pathway X Enhanced 4000/0%
Ambetter$372$8,000Focused Silver + Vision + Adult Dental
Ambetter$373$8,200Elite Silver
Ambetter$379$8,500Complete Silver + Vision + Adult Dental
Harvard Pilgrim Health Care$385$9,100NH Local HMO Silver 5900 Standard
Anthem (BCBS)$386$9,450Anthem Silver Pathway X HMO 6500/30%/9450 Value
Ambetter$393$8,200Elite Silver + Vision + Adult Dental
Harvard Pilgrim Health Care$396$8,500NH Local Choice HMO Silver 5000
Anthem (BCBS)$397$7,250Anthem Silver Pathway X HMO 5000/20%/7250 w/HSA
Anthem (BCBS)$399$9,000Anthem Silver Pathway X HMO 5000/30%/9000 Value
Anthem (BCBS)$402$7,250Anthem Silver Pathway X HMO 5000/10%/7250 w/HSA
Anthem (BCBS)$409$9,000Anthem Silver Pathway X HMO 4000/30%/9000 Value
Anthem (BCBS)$411$7,250Anthem Silver Pathway X HMO 5000/20%/7250 w/HSA WH
Anthem (BCBS)$412$7,250Anthem Silver Pathway X HMO 4000/20%/7250 w/HSA
Anthem (BCBS)$419$7,250Anthem Silver Pathway X HMO 4000/10%/7250 w/HSA
Harvard Pilgrim Health Care$421$9,100NH Local Choice HMO Silver 2500
Anthem (BCBS)$422$8,000Anthem Silver Pathway X HMO 5000/0%/8000 w/HSA
Harvard Pilgrim Health Care$422$8,500NH Local Choice HMO Silver 3500
Anthem (BCBS)$424$9,000Anthem Silver Pathway X HMO 3000/30%/9000 Value
Harvard Pilgrim Health Care$424$8,000NH Local Choice HMO Silver 4000
Anthem (BCBS)$424$9,000Anthem Silver Pathway X HMO 6500/0%/9000 RxD
Anthem (BCBS)$428$7,250Anthem Silver Pathway X HMO 3200/20%/7250 w/HSA
Anthem (BCBS)$431$9,450Anthem Silver Blue Connection EPO 6500/30%/9450 Value
Anthem (BCBS)$441$8,500Anthem Silver Pathway X HMO 4000/20%/8500
Anthem (BCBS)$446$9,000Anthem Silver Blue Connection EPO 5000/30%/9000 Value
Anthem (BCBS)$446$9,000Anthem Silver Pathway X HMO 2000/30%/9000 Value
Anthem (BCBS)$447$9,000Anthem Silver Pathway X HMO 5000/0%/9000
Anthem (BCBS)$453$7,250Anthem Silver Blue Connection EPO 5000/20%/7250 w/HSA
Anthem (BCBS)$454$8,500Anthem Silver Pathway X HMO 3000/20%/8500
Anthem (BCBS)$458$9,000Anthem Silver Blue Connection EPO 4000/30%/9000 Value
Anthem (BCBS)$458$7,250Anthem Silver Blue Connection EPO 5000/10%/7250 w/HSA
Anthem (BCBS)$459$8,500Anthem Silver Pathway X HMO 4000/0%/8500 RxD
Anthem (BCBS)$460$9,450Anthem Silver Access Blue New England HMO 6500/30%/9450 Value
Anthem (BCBS)$461$9,000Anthem Silver Pathway X HMO 5000/0%/9000 WH
Anthem (BCBS)$466$7,250Anthem Silver Blue Connection EPO 5000/20%/7250 w/HSA WH
Anthem (BCBS)$469$7,250Anthem Silver Blue Connection EPO 4000/20%/7250 w/HSA
Anthem (BCBS)$469$8,500Anthem Silver Pathway X HMO 4000/0%/8500
Anthem (BCBS)$473$7,250Anthem Silver Access Blue New England HMO 5000/20%/7250 w/HSA
Anthem (BCBS)$474$9,000Anthem Silver Blue Connection EPO 6500/0%/9000 RxD
Anthem (BCBS)$475$9,000Anthem Silver Blue Connection EPO 3000/30%/9000 Value
Anthem (BCBS)$475$9,000Anthem Silver Access Blue New England HMO 5000/30%/9000 Value
Anthem (BCBS)$477$7,250Anthem Silver Blue Connection EPO 4000/10%/7250 w/HSA
Anthem (BCBS)$478$7,250Anthem Silver Access Blue New England HMO 5000/10%/7250 w/HSA
Anthem (BCBS)$482$8,000Anthem Silver Blue Connection EPO 5000/0%/8000 w/HSA
Anthem (BCBS)$487$7,250Anthem Silver Blue Connection EPO 3200/20%/7250 w/HSA
Anthem (BCBS)$487$9,000Anthem Silver Access Blue New England HMO 4000/30%/9000 Value
Anthem (BCBS)$489$7,250Anthem Silver Access Blue New England HMO 5000/20%/7250 w/HSA WH
Anthem (BCBS)$490$7,250Anthem Silver Access Blue New England HMO 4000/20%/7250 w/HSA
Anthem (BCBS)$493$8,500Anthem Silver Blue Connection EPO 4000/20%/8500
Anthem (BCBS)$498$9,450Anthem Silver Blue Connection EPO 2000/30%/9450 Value
Anthem (BCBS)$499$7,250Anthem Silver Access Blue New England HMO 4000/10%/7250 w/HSA
Anthem (BCBS)$501$9,000Anthem Silver Blue Connection EPO 5000/0%/9000
Anthem (BCBS)$502$8,000Anthem Silver Access Blue New England HMO 5000/0%/8000 w/HSA
Anthem (BCBS)$504$9,000Anthem Silver Access Blue New England HMO 3000/30%/9000 Value
Anthem (BCBS)$505$9,000Anthem Silver Access Blue New England HMO 6500/0%/9000 RxD
Anthem (BCBS)$508$8,500Anthem Silver Blue Connection EPO 3000/20%/8500
Anthem (BCBS)$509$7,250Anthem Silver Access Blue New England HMO 3200/20%/7250 w/HSA
Anthem (BCBS)$513$9,000Anthem Silver Blue Connection EPO 5000/0%/9000 WH
Anthem (BCBS)$514$8,500Anthem Silver Blue Connection EPO 4000/0%/8500 RxD
Anthem (BCBS)$525$8,500Anthem Silver Access Blue New England HMO 4000/20%/8500
Anthem (BCBS)$526$8,500Anthem Silver Blue Connection EPO 4000/0%/8500
Anthem (BCBS)$531$9,000Anthem Silver Access Blue New England HMO 2000/30%/9000 Value
Anthem (BCBS)$532$9,000Anthem Silver Access Blue New England HMO 5000/0%/9000
Anthem (BCBS)$537$9,450Anthem Silver Preferred Blue PPO 6500/30%/9450 Value
Anthem (BCBS)$540$8,500Anthem Silver Access Blue New England HMO 3000/20%/8500
Anthem (BCBS)$546$8,500Anthem Silver Access Blue New England HMO 4000/0%/8500 RxD
Anthem (BCBS)$548$9,000Anthem Silver Access Blue New England HMO 5000/0%/9000 WH
Anthem (BCBS)$553$7,250Anthem Silver Preferred Blue PPO 5000/20%/7250 w/HSA
Anthem (BCBS)$555$9,000Anthem Silver Preferred Blue PPO 5000/30%/9000 Value
Anthem (BCBS)$558$8,500Anthem Silver Access Blue New England HMO 4000/0%/8500
Anthem (BCBS)$559$7,250Anthem Silver Preferred Blue PPO 5000/10%/7250 w/HSA
Anthem (BCBS)$568$7,250Anthem Silver Preferred Blue PPO 5000/20%/7250 w/HSA WH
Anthem (BCBS)$569$9,000Anthem Silver Preferred Blue PPO 4000/30%/9000 Value
Anthem (BCBS)$572$7,250Anthem Silver Preferred Blue PPO 4000/20%/7250 w/HSA
Anthem (BCBS)$583$7,250Anthem Silver Preferred Blue PPO 4000/10%/7250 w/HSA
Anthem (BCBS)$587$8,000Anthem Silver Preferred Blue PPO 5000/0%/8000 w/HSA
Anthem (BCBS)$588$9,000Anthem Silver Preferred Blue PPO 3000/30%/9000 Value
Anthem (BCBS)$590$9,000Anthem Silver Preferred Blue PPO 6500/0%/9000 RxD
Anthem (BCBS)$595$7,250Anthem Silver Preferred Blue PPO 3200/20%/7250 w/HSA
Anthem (BCBS)$613$8,500Anthem Silver Preferred Blue PPO 4000/20%/8500
Anthem (BCBS)$620$9,000Anthem Silver Preferred Blue PPO 2000/30%/9000 Value
Anthem (BCBS)$621$9,000Anthem Silver Preferred Blue PPO 5000/0%/9000
Anthem (BCBS)$630$8,500Anthem Silver Preferred Blue PPO 3000/20%/8500
Anthem (BCBS)$636$9,000Anthem Silver Preferred Blue PPO 5000/0%/9000 WH
Anthem (BCBS)$637$8,500Anthem Silver Preferred Blue PPO 4000/0%/8500 RxD
Anthem (BCBS)$651$8,500Anthem Silver Preferred Blue PPO 4000/0%/8500

Cheapest Gold Plans in New Hampshire

The Anthem Gold Pathway X Enhanced 700/40% by Anthem (BCBS) emerges as the most affordable Gold health insurance plan in New Hampshire, with an average monthly cost of $354.

The three most affordable Gold health plans in New Hampshire are:

  • Anthem Gold Pathway X Enhanced 700/40% from Anthem (BCBS) ($354 per month)
  • Anthem Gold Pathway X Enhanced 1200/20% from Anthem (BCBS) ($360 per month)
  • Anthem Gold Pathway X Enhanced 1500/25% Standard from Anthem (BCBS) ($367 per month)

Gold plans aim to serve consumers who expect to use a moderate to high amount of medical care. They typically pay a higher monthly premium than Silver or Bronze plans but have lower out-of-pocket costs when receiving care. These plans are a good choice for individuals who want the security of more predictable health care costs.

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Age:40
Anthem (BCBS)$354$7,500Anthem Gold Pathway X Enhanced 700/40%
Anthem (BCBS)$360$9,000Anthem Gold Pathway X Enhanced 1200/20%
Anthem (BCBS)$367$8,700Anthem Gold Pathway X Enhanced 1500/25% Standard
Ambetter$379$7,500Everyday Gold
Ambetter$380$8,700Standard Gold
Ambetter$396$7,500Complete Gold
Ambetter$399$7,500Everyday Gold + Vision + Adult Dental
Ambetter$400$8,700Standard Gold + Vision + Adult Dental
Ambetter$418$7,500Complete Gold + Vision + Adult Dental
Harvard Pilgrim Health Care$454$8,700NH Local Choice HMO Gold
Harvard Pilgrim Health Care$455$8,700NH Local HMO Gold 1500 Standard
Harvard Pilgrim Health Care$471$7,500NH Local Choice HMO Gold 1400
Anthem (BCBS)$480$4,725Anthem Gold Pathway X HMO 2000/20%/4725 w/HSA
Anthem (BCBS)$493$4,725Anthem Gold Pathway X HMO 2000/10%/4725 w/HSA
Anthem (BCBS)$509$5,500Anthem Gold Pathway X HMO 3000/0%/5500 RxD
Anthem (BCBS)$513$8,000Anthem Gold Pathway X HMO 2000/10%/8000
Anthem (BCBS)$521$7,500Anthem Gold Pathway X HMO 1000/20%/7500
Anthem (BCBS)$526$6,500Anthem Gold Pathway X HMO 2000/0%/6500 RxD
Anthem (BCBS)$527$8,000Anthem Gold Pathway X HMO 2000/10%/8000 WH
Anthem (BCBS)$532$7,000Anthem Gold Pathway X HMO 500/25%/7000
Anthem (BCBS)$546$4,725Anthem Gold Blue Connection EPO 2000/20%/4725 w/HSA
Anthem (BCBS)$560$4,725Anthem Gold Blue Connection EPO 2000/10%/4725 w/HSA
Anthem (BCBS)$571$4,725Anthem Gold Access Blue New England HMO 2000/20%/4725 w/HSA
Anthem (BCBS)$574$5,500Anthem Gold Blue Connection EPO 3000/0%/5500 RxD
Anthem (BCBS)$578$8,000Anthem Gold Blue Connection EPO 2000/10%/8000
Anthem (BCBS)$586$4,725Anthem Gold Access Blue New England HMO 2000/10%/4725 w/HSA
Anthem (BCBS)$588$7,500Anthem Gold Blue Connection EPO 1000/20%/7500
Anthem (BCBS)$591$8,000Anthem Gold Blue Connection EPO 2000/10%/8000 WH
Anthem (BCBS)$593$6,500Anthem Gold Blue Connection EPO 2000/0%/6500 RxD
Anthem (BCBS)$598$7,500Anthem Gold Blue Connection EPO 500/25%/7500
Anthem (BCBS)$606$5,500Anthem Gold Access Blue New England HMO 3000/0%/5500 RxD
Anthem (BCBS)$610$8,000Anthem Gold Access Blue New England HMO 2000/10%/8000
Anthem (BCBS)$621$7,500Anthem Gold Access Blue New England HMO 1000/20%/7500
Anthem (BCBS)$626$6,500Anthem Gold Access Blue New England HMO 2000/0%/6500 RxD
Anthem (BCBS)$626$8,000Anthem Gold Access Blue New England HMO 2000/10%/8000 WH
Anthem (BCBS)$633$7,000Anthem Gold Access Blue New England HMO 500/25%/7000
Anthem (BCBS)$666$4,725Anthem Gold Preferred Blue PPO 2000/20%/4725 w/HSA
Anthem (BCBS)$683$4,725Anthem Gold Preferred Blue PPO 2000/10%/4725 w/HSA
Anthem (BCBS)$706$5,500Anthem Gold Preferred Blue PPO 3000/0%/5500 RxD
Anthem (BCBS)$711$8,000Anthem Gold Preferred Blue PPO 2000/10%/8000
Anthem (BCBS)$723$7,500Anthem Gold Preferred Blue PPO 1000/20%/7500
Anthem (BCBS)$726$8,000Anthem Gold Preferred Blue PPO 2000/10%/8000 WH
Anthem (BCBS)$729$6,500Anthem Gold Preferred Blue PPO 2000/0%/6500 RxD
Anthem (BCBS)$737$7,000Anthem Gold Preferred Blue PPO 500/25%/7000

Cheapest Bronze Plans in New Hampshire

In New Hampshire, Anthem Bronze Pathway X Enhanced 6500/40% from Anthem (BCBS) emerges as the only Bronze plan available, with an average monthly cost of $266.

Bronze health plans typically offer lower monthly premiums but higher out-of-pocket costs when accessing medical services. These plans are suited for individuals who want to keep their monthly expenses minimal and are comfortable with the potential of higher costs during actual health care visits. They may be a good fit for those who are in good health and don't anticipate needing frequent medical care.

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Anthem (BCBS)$266$9,400Anthem Bronze Pathway X Enhanced 6500/40%

Cheapest Expanded Bronze Plans in New Hampshire

The most affordable Expanded Bronze plan in New Hampshire is the Anthem Bronze Pathway X Enhanced 7500/50% offered by Anthem (BCBS) at an average monthly cost of $273.

The three most affordable Expanded Bronze plans in New Hampshire are:

  • Anthem Bronze Pathway X Enhanced 7500/50% from Anthem (BCBS) ($273 per month)
  • Anthem Bronze Pathway X Enhanced 6000/35% HSA from Anthem (BCBS) ($275 per month)
  • Anthem Bronze Pathway X Enhanced 5500/35% from Anthem (BCBS) ($277 per month)

Expanded Bronze plans typically strike a balance between monthly premiums and out-of-pocket expenses. These plans are well-suited for individuals who wish to keep their monthly costs low while accepting a higher deductible. They appeal to those who do not expect significant medical expenses and are comfortable with more significant cost-sharing in exchange for lower premiums.

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Age:40
Anthem (BCBS)$273$9,400Anthem Bronze Pathway X Enhanced 7500/50% Standard
Anthem (BCBS)$275$7,400Anthem Bronze Pathway X Enhanced 6000/35% HSA
Anthem (BCBS)$277$9,400Anthem Bronze Pathway X Enhanced 5500/35%
Anthem (BCBS)$279$9,400Anthem Bronze Pathway X Enhanced 6000/30%
Ambetter$288$9,400Standard Expanded Bronze
Ambetter$295$7,250Choice Bronze HSA
Ambetter$304$9,400Standard Expanded Bronze + Vision + Adult Dental
Ambetter$311$7,250Choice Bronze HSA + Vision + Adult Dental
Harvard Pilgrim Health Care$316$9,100NH Local Choice HMO Bronze 8000
Harvard Pilgrim Health Care$323$7,500NH Local Choice HMO HSA Bronze 6000
Harvard Pilgrim Health Care$325$8,700NH Local Choice HMO Bronze 7200
Harvard Pilgrim Health Care$329$9,400NH Local HMO Bronze 7500 Standard
Ambetter$338$9,250Elite Bronze
Harvard Pilgrim Health Care$346$8,900NH Local Choice HMO Bronze 6500
Ambetter$357$9,250Elite Bronze + Vision + Adult Dental
Anthem (BCBS)$373$9,450Anthem Bronze Pathway X HMO 8500/50%/9450
Anthem (BCBS)$375$8,000Anthem Bronze Pathway X HMO 7000/50%/8000 w/HSA
Anthem (BCBS)$414$9,450Anthem Bronze Blue Connection EPO 8500/50%/9450
Anthem (BCBS)$429$8,000Anthem Bronze Blue Connection EPO 7000/50%/8000 w/HSA
Anthem (BCBS)$444$9,450Anthem Bronze Access Blue New England HMO 8500/50%/9450
Anthem (BCBS)$447$8,000Anthem Bronze Access Blue New England HMO 7000/50%/8000 w/HSA
Anthem (BCBS)$519$9,450Anthem Bronze Preferred Blue PPO 8500/50%/9450
Anthem (BCBS)$522$8,000Anthem Bronze Preferred Blue PPO 7000/50%/8000 w/HSA

Cheapest Catastrophic Plans in New Hampshire

The most affordable Catastrophic health insurance plan in New Hampshire is the Anthem Catastrophic Pathway X Enhanced 9450/0% plan from Anthem (BCBS), with an average monthly cost of $177 for a 26-year-old.

Catastrophic plans are designed for adults under 30 or those with a hardship exemption. These plans have low premiums but high out-of-pocket costs, making them suitable for those who want to minimize monthly expenses while still having a safety net for major medical events. Generally, these plans are not recommended for those who expect regular medical visits or need frequent prescriptions.

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Age:26
Anthem (BCBS)$177$9,450Anthem Catastrophic Pathway X Enhanced 9450/0%

Cheapest Platinum Plans in New Hampshire

The Anthem Platinum Pathway X HMO 250/10%/3000 is the most cost-effective Platinum plan available in New Hampshire, with an average monthly premium of $590, offered by Anthem (BCBS).

Platinum plans are best suited for individuals who expect to need a high level of medical care. They offer the lowest out-of-pocket costs compared to other tiers but come with higher monthly premiums. These plans are particularly suitable for customers who frequent health care providers or have existing health conditions that require comprehensive coverage and frequent treatment.

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Anthem (BCBS)$590$3,000Anthem Platinum Pathway X HMO 250/10%/3000
Anthem (BCBS)$671$3,000Anthem Platinum Blue Connection EPO 250/10%/3000
Anthem (BCBS)$702$3,000Anthem Platinum Access Blue New England HMO 250/10%/3000
Anthem (BCBS)$817$3,000Anthem Platinum Preferred Blue PPO 250/10%/3000

Cheapest Health Insurance in New Hampshire for Low Income

Individuals in New Hampshire who earn 250% below the Federal Poverty Level annually qualify for cost-sharing reductions on Silver plans, which minimize health costs by reducing deductibles and out-of-pocket expenses.

For incomes between $14,580 and $21,870, the most affordable Silver plan is Anthem Silver Pathway X Enhanced 5900/40% from Anthem (BCBS) with a Maximum Out-of-Pocket Cost (MOOP) of $1800.

The two most affordable Silver plans with their respective maximum out-of-pocket costs are:

  • Anthem Silver Pathway X Enhanced 5900/40% from Anthem (BCBS) (Monthly Cost: $324, Maximum Out-of-Pocket: $1800)
  • Anthem Silver Pathway X Enhanced 4500/20% HSA from Anthem (BCBS) (Monthly Cost: $335, Maximum Out-of-Pocket: $700)

Cost-sharing reductions in New Hampshire are available exclusively with Silver plans. The income figures provided apply to single individuals and vary with household size.

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Age:40
Annual Income:
Annual Income:$14,580 to $21,870 per year
Anthem (BCBS)$324$1,800Anthem Silver Pathway X Enhanced 5900/40% Standard
Anthem (BCBS)$335$700Anthem Silver Pathway X Enhanced 4500/20% HSA
Anthem (BCBS)$335$700Anthem Silver Pathway X Enhanced 5500/20%
Ambetter$347$1,800Standard Silver
Anthem (BCBS)$347$550Anthem Silver Pathway X Enhanced 3500/15% HSA
Ambetter$353$1,350Focused Silver
Ambetter$360$1,700Complete Silver
Ambetter$365$1,800Standard Silver + Vision + Adult Dental
Anthem (BCBS)$371$750Anthem Silver Pathway X Enhanced 4000/0%
Ambetter$372$1,350Focused Silver + Vision + Adult Dental
Ambetter$373$1,000Elite Silver
Ambetter$379$1,700Complete Silver + Vision + Adult Dental
Harvard Pilgrim Health Care$385$1,800NH Local HMO Silver 5900 Standard
Ambetter$393$1,000Elite Silver + Vision + Adult Dental
Harvard Pilgrim Health Care$396$700NH Local Choice HMO Silver 5000
Harvard Pilgrim Health Care$421$700NH Local Choice HMO Silver 2500
Harvard Pilgrim Health Care$422$700NH Local Choice HMO Silver 3500
Harvard Pilgrim Health Care$424$700NH Local Choice HMO Silver 4000
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WHAT IS A COST-SHARING REDUCTION?

Cost-sharing reductions (CSRs) are discounts that lower the amount you pay for health care. To qualify for CSRs, you must enroll in a Silver plan and have a household income between 100% and 250% of the federal poverty level. For example, the maximum out-of-pocket cost for the Anthem Silver Pathway X Enhanced 5900/40% Standard plan with a 94% AV Level Silver Plan CSR is $1,800, whereas the same plan with a 73% AV Level Silver Plan CSR has a maximum out-of-pocket cost of $7,200, demonstrating significant potential savings.

Cheapest Health Insurance in New Hampshire by Plan Type

The most popular plan type in New Hampshire is an HMO (Health Maintenance Organization).

The most affordable health plan in New Hampshire for an HMO is the Anthem Silver Pathway X Enhanced 5900/40% Standard from Anthem (BCBS) at $324 per month.

HMO: Anthem Silver Pathway X Enhanced 5900/40% Standard from Anthem (BCBS) ($324 per month)
EPO: Standard Silver from Ambetter ($347 per month)
PPO: Anthem Silver Preferred Blue PPO 6500/30%/9450 Value from Anthem (BCBS) ($537 per month)

Apart from HMO plans, residents of New Hampshire can also choose EPO (Exclusive Provider Organization) plans, which typically offer a balance between in-network provider choice and the need for referrals, or PPO (Preferred Provider Organizations) plans, which allow more flexibility in selecting health care providers.

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Plan Type:HMO
Anthem (BCBS)$324$9,100Anthem Silver Pathway X Enhanced 5900/40% Standard
Anthem (BCBS)$335$6,150Anthem Silver Pathway X Enhanced 4500/20% HSA
Anthem (BCBS)$335$9,200Anthem Silver Pathway X Enhanced 5500/20%
Anthem (BCBS)$347$7,400Anthem Silver Pathway X Enhanced 3500/15% HSA
Anthem (BCBS)$371$9,100Anthem Silver Pathway X Enhanced 4000/0%
Harvard Pilgrim Health Care$385$9,100NH Local HMO Silver 5900 Standard
Anthem (BCBS)$386$9,450Anthem Silver Pathway X HMO 6500/30%/9450 Value
Harvard Pilgrim Health Care$396$8,500NH Local Choice HMO Silver 5000
Anthem (BCBS)$397$7,250Anthem Silver Pathway X HMO 5000/20%/7250 w/HSA
Anthem (BCBS)$399$9,000Anthem Silver Pathway X HMO 5000/30%/9000 Value
Anthem (BCBS)$402$7,250Anthem Silver Pathway X HMO 5000/10%/7250 w/HSA
Anthem (BCBS)$409$9,000Anthem Silver Pathway X HMO 4000/30%/9000 Value
Anthem (BCBS)$411$7,250Anthem Silver Pathway X HMO 5000/20%/7250 w/HSA WH
Anthem (BCBS)$412$7,250Anthem Silver Pathway X HMO 4000/20%/7250 w/HSA
Anthem (BCBS)$419$7,250Anthem Silver Pathway X HMO 4000/10%/7250 w/HSA
Harvard Pilgrim Health Care$421$9,100NH Local Choice HMO Silver 2500
Anthem (BCBS)$422$8,000Anthem Silver Pathway X HMO 5000/0%/8000 w/HSA
Harvard Pilgrim Health Care$422$8,500NH Local Choice HMO Silver 3500
Anthem (BCBS)$424$9,000Anthem Silver Pathway X HMO 3000/30%/9000 Value
Harvard Pilgrim Health Care$424$8,000NH Local Choice HMO Silver 4000
Anthem (BCBS)$424$9,000Anthem Silver Pathway X HMO 6500/0%/9000 RxD
Anthem (BCBS)$428$7,250Anthem Silver Pathway X HMO 3200/20%/7250 w/HSA
Anthem (BCBS)$441$8,500Anthem Silver Pathway X HMO 4000/20%/8500
Anthem (BCBS)$446$9,000Anthem Silver Pathway X HMO 2000/30%/9000 Value
Anthem (BCBS)$447$9,000Anthem Silver Pathway X HMO 5000/0%/9000
Anthem (BCBS)$454$8,500Anthem Silver Pathway X HMO 3000/20%/8500
Anthem (BCBS)$459$8,500Anthem Silver Pathway X HMO 4000/0%/8500 RxD
Anthem (BCBS)$460$9,450Anthem Silver Access Blue New England HMO 6500/30%/9450 Value
Anthem (BCBS)$461$9,000Anthem Silver Pathway X HMO 5000/0%/9000 WH
Anthem (BCBS)$469$8,500Anthem Silver Pathway X HMO 4000/0%/8500
Anthem (BCBS)$473$7,250Anthem Silver Access Blue New England HMO 5000/20%/7250 w/HSA
Anthem (BCBS)$475$9,000Anthem Silver Access Blue New England HMO 5000/30%/9000 Value
Anthem (BCBS)$478$7,250Anthem Silver Access Blue New England HMO 5000/10%/7250 w/HSA
Anthem (BCBS)$487$9,000Anthem Silver Access Blue New England HMO 4000/30%/9000 Value
Anthem (BCBS)$489$7,250Anthem Silver Access Blue New England HMO 5000/20%/7250 w/HSA WH
Anthem (BCBS)$490$7,250Anthem Silver Access Blue New England HMO 4000/20%/7250 w/HSA
Anthem (BCBS)$499$7,250Anthem Silver Access Blue New England HMO 4000/10%/7250 w/HSA
Anthem (BCBS)$502$8,000Anthem Silver Access Blue New England HMO 5000/0%/8000 w/HSA
Anthem (BCBS)$504$9,000Anthem Silver Access Blue New England HMO 3000/30%/9000 Value
Anthem (BCBS)$505$9,000Anthem Silver Access Blue New England HMO 6500/0%/9000 RxD
Anthem (BCBS)$509$7,250Anthem Silver Access Blue New England HMO 3200/20%/7250 w/HSA
Anthem (BCBS)$525$8,500Anthem Silver Access Blue New England HMO 4000/20%/8500
Anthem (BCBS)$531$9,000Anthem Silver Access Blue New England HMO 2000/30%/9000 Value
Anthem (BCBS)$532$9,000Anthem Silver Access Blue New England HMO 5000/0%/9000
Anthem (BCBS)$540$8,500Anthem Silver Access Blue New England HMO 3000/20%/8500
Anthem (BCBS)$546$8,500Anthem Silver Access Blue New England HMO 4000/0%/8500 RxD
Anthem (BCBS)$548$9,000Anthem Silver Access Blue New England HMO 5000/0%/9000 WH
Anthem (BCBS)$558$8,500Anthem Silver Access Blue New England HMO 4000/0%/8500
WHAT'S THE DIFFERENCE BETWEEN PLAN TYPES?

The most common plan type in New Hampshire is the Health Maintenance Organization (HMO). Other plan types available in New Hampshire include Exclusive Provider Organization (EPO) and Preferred Provider Organization (PPO). Here are some of the main differences between the plan types:

Health Maintenance Organization (HMO):

  • Requires members to choose a primary care physician (PCP) and get referrals to see specialists.
  • Pros: Generally lower premiums and out-of-pocket costs. Emphasizes preventive care.
  • Cons: Limited to a network of doctors and hospitals. Out-of-network care is usually not covered except for emergencies.

Exclusive Provider Organization (EPO):

  • Combines some features of HMOs and PPOs, usually does not require choosing a PCP, and does not require referrals for specialists.
  • Pros: More flexibility than an HMO to see specialists without referrals.
  • Cons: Limited to providers in the network; does not cover services outside the network, except for emergencies.

Preferred Provider Organization (PPO):

  • Offers more flexibility in choosing health care providers. No PCP is required, and referrals are not necessary for specialists.
  • Pros: Larger network of providers, coverage for out-of-network care (though at a higher cost).
  • Cons: Typically higher premiums and costs when using out-of-network providers. More complicated billing.

Each plan type offers a unique balance between cost, flexibility and ease of accessing care. Your best plan type will depend on your health care needs and budget.

Cheapest Health Insurance in New Hampshire by County

Health insurance rates and availability of certain plans often vary by location. However, our research found that the most affordable Silver plan in New Hampshire stayed the same in Coos and Hillsborough, the least and most-populated counties in the state, respectively:

  • Anthem Silver Pathway X Enhanced 5900/40% Standard from Anthem (BCBS) ($324 per month)

The following table details all available plans in each county in New Hampshire.

Data filtered by:Results filtered by:
County Name:
County Name:Hillsborough
Anthem (BCBS)$324$9,100Anthem Silver Pathway X Enhanced 5900/40% Standard
Anthem (BCBS)$335$6,150Anthem Silver Pathway X Enhanced 4500/20% HSA

Health Insurance Costs in New Hampshire by Age and Metal Tier

Age plays a big role in health insurance costs. In New Hampshire, an 18-year-old with a Silver plan pays about $365 monthly. Meanwhile, a 60-year-old with the same Silver plan would pay around $1,084 monthly. The older person pays $719 more monthly, a significant difference.

Metal tiers inform plan costs, in addition to age. A 40-year-old in New Hampshire with a Bronze plan pays around $266 a month. If they choose a Gold plan instead, the cost goes up to $609. That's $343 more every month for the Gold plan, which covers more medical expenses than the Bronze one.

Health Insurance Costs in New Hamsphire by Age and Metal Tier

New Hampshire

What to Know About Health Insurance in New Hampshire

MoneyGeek analyzed the different health insurance choices in New Hampshire. We examined private insurance available in the marketplace, including Bronze, Silver, Gold and Platinum plans. We also explored Medicaid and Medicare. We aim to help you know more so you can choose your best option for health care.

Private Health Insurance in the New Hampshire Marketplace

In New Hampshire, the open enrollment period for private health insurance typically runs from November 1 to December 15 each year. This is a window when residents can shop for, compare and enroll in health insurance plans through the marketplace without needing a qualifying life event. If someone fails to meet this deadline, they must wait until the next open enrollment unless they experience a qualifying life event like marriage, childbirth, or loss of other coverage, which triggers a special enrollment period. During this time, they may enroll or change their coverage outside the standard open enrollment period.

Medicaid in New Hampshire

Medicaid is a government-funded health care program providing medical assistance to low-income individuals and families. In New Hampshire, eligibility for Medicaid depends on several factors, including income level, age, pregnancy status, disability, family size and household composition, aligning with federal poverty guidelines. Specific groups covered include children, pregnant women, parents/caretakers of dependent children, seniors and individuals with disabilities. Medicaid expansion under the Affordable Care Act also allows coverage for adults without dependent children meeting income requirements. The state regularly updates eligibility criteria, ensuring the program serves those in need according to its regulations and available resources.

Medicare in New Hampshire

Medicare is a federal health care program primarily for individuals aged 65 and older, though it also covers younger people with certain disabilities or diseases. In New Hampshire, anyone who meets these criteria is eligible. Medicare is divided into parts: Part A covers hospital insurance, including inpatient care and hospice; Part B provides medical insurance for outpatient care, physician services and other medical supplies; Part C, or Medicare Advantage, allows private health plans to offer combined Part A and B benefits, often with additional services; Part D covers prescription drug plans.

MoneyGeek has identified the best Medicare Advantage Plans in New Hampshire and the best Medicare Supplement plans in New Hampshire.

FAQ About the Most Affordable New Hampshire Health Insurance

You may have questions about cost and availability when looking for health insurance. MoneyGeek responded to frequently asked questions about cheap private health insurance in New Hampshire to help you learn more.

What are the cheapest Silver and Gold plans in New Hampshire for 2024?
What are the downsides of a cheap health insurance plan?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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