Find Affordable Coverage in New Hampshire
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New Hampshire ACA Marketplace Overview
In 2026, approximately 60,000 New Hampshire residents are enrolled in ACA Marketplace coverage. New Hampshire uses the federal exchange, Healthcare.gov for health insurance enrollment.
New Hampshire has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in New Hampshire?
The benchmark Silver plan (second-lowest-cost Silver plan) in New Hampshire costs approximately $498/month before subsidies in 2026. However, most New Hampshire residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for New Hampshire households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your New Hampshire household income.
Top ACA Health Insurance Companies in New Hampshire
The following carriers offer ACA Marketplace plans in New Hampshire for 2026:
- Ambetter
- Harvard Pilgrim
- Anthem
Plan availability varies by county in New Hampshire. Use Healthcare.gov to see exact plans available in your ZIP code.
ACA Plan Tiers Available in New Hampshire
- Bronze: Lowest premiums, highest deductibles. Best for healthy New Hampshire residents who rarely need care.
- Silver: Mid-range. Strongly recommended for New Hampshire households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for New Hampshire residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most New Hampshire counties.
When to Enroll in New Hampshire
- Open Enrollment: November 1 – January 15 on Healthcare.gov
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
New Hampshire Insurance Resources
- Healthcare.gov — Official New Hampshire enrollment portal
- New Hampshire Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit