Private and PPO health plans in New Hampshire
Private plans are bought directly from insurers, year-round. We compare Ameristead PPO plans on the Cigna PPO network ($0 preventive care, $0 teledoctor), UnitedHealthOne and First Health fixed indemnity. Short-term medical is also sold in New Hampshire. Call (813) 724-3314 (Mon–Sat 8 AM–9 PM ET) or get a free quote; no fee for our help.
New Hampshire health insurance facts for 2027
| Marketplace | HealthCare.gov (federal; no state exchange on CMS’s 2027 list) |
|---|---|
| 2027 enrollment | Nov. 1, 2026 – Jan. 15, 2027; Dec. 15 for Jan. 1 (HealthCare.gov, CMS) |
| Benchmark, age 40 | $486/mo (+$85, +21.2%; KFF) |
| State insurance department (questions and consumer help) | New Hampshire Insurance Department |
2027 Marketplace premiums in New Hampshire
KFF: $486 a month for a 40-year-old before subsidies, up from $401 (+$85, +21.2%). That is $217 below the U.S. average ($703); the lowest of 50 states. Its 21.2% rise ranks 10th-highest (U.S.: +12.5%).
| Tier | 2026 | 2027 |
|---|---|---|
| Bronze (lowest) | $318 | $384 |
| Silver (lowest) | $394 | $471 |
| Benchmark silver | $401 | $486 |
| Gold (lowest) | $434 | $599 |
Neighbors (2027 benchmark, change): Maine $804 (+13.4%); Vermont $1,313 (+1.1%); Massachusetts $551 (+11.5%).
Benchmark history (KFF): 2014 $289 · 2018 $475 · 2022 $309 · 2024 $335 · 2025 $325 · 2026 $401 · 2027 $486. That is +68% since 2014.
Research averages, not quotes; changes calculated by us. Full table: cost index.
Coverage in New Hampshire: enrollment, insurers, Medicaid
Marketplace plan selections grew 26% from 2022 to 2026, and fell 6.1% from 2025 to 2026.
| Year | Plan selections | Insurers |
|---|---|---|
| 2026 | 66,024 | 4 |
| 2025 | 70,337 | 4 |
| 2024 | 65,117 | 3 |
| 2023 | 54,557 | 3 |
| 2022 | 52,497 | 3 |
2024 coverage mix (KFF, Census data): uninsured 4.7% (U.S. 8.2%); employer 55.9%; Medicaid 12.0%; Medicare 19.4%; individual 6.9%.
Medicaid expansion: adopted, implemented 8/15/2014 (KFF). Medicaid income limits as of January 2026 (KFF): 138% of the federal poverty level for parents in a family of three, 138% for other adults.
Getting help in New Hampshire
We help clients by phone and video in Manchester, Nashua, Concord and statewide.
Sources (checked November 11, 2026)
- New Hampshire Insurance Department
- KFF State Health Facts, CMS and HealthCare.gov pages, linked beside each figure above
Plan availability and eligibility are determined by the carrier.