2021 Affordable Health Insurance Plans in New Hampshire

The state of New Hampshire ranks seventh in the nation for lowest benchmark monthly premiums, and those premiums have been declining for the past several years. There are three health insurers offering plans on the exchange in 2021, with many plan options for Granite State residents. In New Hampshire, over 44,000 residents qualify for health insurance through the state exchange. 

Highlights and Updates

  •       The average monthly benchmark premium in New Hampshire is $357.
  •       Average health insurance premiums have been on the decline since 2018.
  •       There are three health insurance carriers selling plans on the state’s exchange this year.
  •       The ACA helped drastically reduce New Hampshire’s uninsured rate.
  •       Short-term plans and catastrophic health insurance plans are available in the state.
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How To Buy Health Insurance in New Hampshire

Go to www.healthcare.gov to compare your options and rates and to purchase health insurance in New Hampshire. You will need basic information about yourself and others you wish to purchase insurance for.

How To Apply for Health Insurance in New Hampshire

Applying for health insurance in New Hampshire is accessible by visiting the exchange’s website at  www.healthcare.gov. You will be able to view the various plan options available to you and your family.

Health Insurance Carriers in New Hampshire

There are three health insurance carriers offering plans on the state exchange in New Hampshire in 2021:

  •       Ambetter from NH Health Families (underwritten by Celtic)
  •       Anthem / Matthew Thornton Health Plans
  •       Harvard Pilgrim Health Care of New England

What Are the Cheapest Health Insurance Companies in New Hampshire?

While this varies depending on many factors, the Ambetter health insurance plans tend to be among the cheapest ones offered in New Hampshire in 2021.

How Has Obamacare Helped New Hampshire’s Uninsured?

New Hampshire has achieved great success under the ACA. The uninsured rate has dropped by over 44% between 2013 and 2016. Since the introduction of Obamacare, more residents can access affordable health insurance 

New Hampshire Health Insurance Costs Overview

There are five tiers of health insurance coverage available in New Hampshire – Gold, Silver, Expanded Bronze, Bronze, and Catastrophic.

How Much Does Health Insurance Cost in New Hampshire?

In 2021, the average benchmark monthly health insurance premium in New Hampshire for a 40-year-old is $357

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What Is the Cheapest Health Insurance Plan in New Hampshire?

The cheapest health insurance plan in New Hampshire is the Anthem Catastrophic Pathway X Enhanced HMO 8550/0%, which has a premium of $177, a deductible of $8550, and an out-of-pocket maximum of $8550.

Cheapest New Hampshire Health Insurance Coverage by Metal Tier

Gold Plans

The most affordable Gold Plan is Ambetter Secure Care 5 (2021). The premium costs $363 per month with a deductible of $1450 and an out-of-pocket maximum of $6300.

Silver Plans

Ambetter Balanced Care 11 (2021) is the cheapest of the silver plans, with a premium of $325 per month, a deductible of $6000, and an out-of-pocket maximum of $8500.

Expanded Bronze Plans

The cheapest expanded bronze plan is the Ambetter Essential Care 10 (2021), which has a premium of $247 with a deductible of $7200. The out-of-pocket maximum is $8400.

Bronze Plans

The cheapest bronze plan is the Anthem Bronze Pathway X Enhanced HMO 6500/40%, which has a premium of $263 with a deductible of $6500. The out-of-pocket maximum is $8550.

Catastrophic Plans

The cheapest catastrophic plan is the Anthem Catastrophic Pathway X Enhanced HMO 8550/0%, which has a premium of $177, a deductible of $8550, and an out-of-pocket maximum of $8550

New Hampshire Health Insurance Costs by Occupation

What Is the Average Cost of Health Insurance for a Student in New Hampshire?

There are many options for affordable health insurance for students in New Hampshire. Colleges and universities in the state often require their students to have health insurance. Some educational institutions sell their own health plans to their students, which is one option. Students may also remain on their parent’s policy until the age of 26 or may purchase a student health plan if they are a full-time student between the ages of 17 to 29.

What Is the Average Cost of Health Insurance for the Self-Employed In New Hampshire?

Self-employed individuals in New Hampshire may purchase insurance on the state’s marketplace. They will need to estimate their income for the coverage year (not last year’s income) to determine premiums and any subsidies they qualify for. Some self-employed individuals may meet income requirements for Medicaid. Any of the coverage tiers and health insurance carriers available in their county may be options for self-employed individuals.

What Is the Average Cost of Health Insurance for Small Business Owners in New Hampshire?

Affordable health insurance plans begin at $166 per month per employee for small business health insurance. Rates may vary depending on many different factors. 

New Hampshire Health Insurance Costs by Number of Participants

What Is the Average Cost of Health Insurance for Families in New Hampshire?

Average prices tend to vary depending on location and the size of the household. On average, a family of three can expect to pay $948 per month, and a family of four can expect a premium of around $1167 per month. A single parent with one child would pay around $583 per month.

What Is the Average Cost of Health Insurance for Individuals in New Hampshire?

The benchmark price of health insurance in New Hampshire for a 40-year-old individual is $357 per month.

What Is the Average Cost of Health Insurance for a Child in New Hampshire?

Children can qualify for Medicaid coverage or Child Health Plus, depending on their family’s income.

Other Types of New Hampshire Health Insurance Coverage

Catastrophic Health Insurance in New Hampshire

Catastrophic health insurance plans are available for purchase in New Hampshire.

Short-Term or Temporary Health Insurance in New Hampshire

Short-term health insurance plans are allowed in New Hampshire but may only last for six months and cannot be renewed. Residents may apply for a different short-term plan after the first one ends. 

Low-Income Health Insurance in New Hampshire

Medicaid is available for New Hampshire residents who qualify based on income and other requirements. New Hampshire offers a program for pregnant women and children administered through the New Hampshire Bureau of Maternal and Child Health. This program supports many different educational and preventative health measures for mothers and children.

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