Best New Hampshire Health Insurance (2024 Plans)

Ambetter offers the best health insurance in New Hampshire, with a MoneyGeek rating of 60 out of 100. The provider has plan options that cost less, keeps maximum out-of-pocket costs low and accepts more eligible claims than other companies.

In New Hampshire, we looked at 27 Silver EPO plans, 53 Silver HMO plans and 19 Silver PPO plans to determine which health insurance is the best.

Harvard Pilgrim Health Care offers the best health insurance in New Hampshire for low out-of-pocket costs, with a MoneyGeek score of 52 out of 100. The provider offers the cheapest plan options and has a better claims denial score than average.

In New Hampshire, we evaluated 14 Gold EPO plans, one Platinum EPO plan, 25 Gold HMO plans, two Platinum HMO plans, eight Gold PPO plans and one Platinum PPO plan.

Ambetter offers the best cheap health insurance in New Hampshire, with a MoneyGeek score of 75 out of 100. The provider has the cheapest plan options, lower-than-average MOOP and better-than-average rates for approving claims.

For this evaluation, we considered 99 plans in New Hampshire, including 27 EPO plans, 53 HMO plans and 19 PPO plans. In determining the best cheap provider, plans with low monthly payments were given more attention, though typically, these plans may have higher costs when you need to use the insurance for health care.

The best health insurance in New Hampshire for those with low income is offered by Anthem (BCBS), scoring 74 out of 100. The provider has low premium rates and out-of-pocket costs but a higher rate of denying claims than other insurers.

For our analysis, we looked at eight Silver CSR EPO plans and 15 Silver CSR HMO plans in New Hampshire.

To decide which health insurance was best for those with low income, we focused on plans with low monthly premiums that include cost-sharing reductions (CSRs). CSRs help you pay less when you go to the doctor or get medicine, even if you don't pay much for your health insurance each month. Typical Silver plans pay for about 70% of your medical costs, but with CSR Silver plans, you get more of your costs paid for if you make a certain amount of money each year:

• If you make between $27,180 and $33,975 (201%–250% of the Federal Poverty Level), you will get about 73% of your health insurance costs paid for.
• If you earn $20,385 to $27,180 (151%–200% of the Federal Poverty Level), you will get about 87% of your costs paid for.
• If you earn less than $20,385 (up to 150% of the Federal Poverty Level), you can expect to have about 94% of your costs paid for.

Note that the income brackets change depending on the number of people in your household.

Ambetter offers the best health insurance in New Hampshire for young adults, with a MoneyGeek score of 72 out of 100. Its plans are among the most cost-friendly, with lower out-of-pocket costs. The company performs better than average when it comes to accepting eligible claims.

For this category, we looked at one Bronze HMO plan, one Catastrophic HMO plan, eight Expanded Bronze EPO plans, eighteen Expanded Bronze HMO plans and two Expanded Bronze PPO plans in New Hampshire. Only young adults under 30 can purchase Catastrophic plans.

Health insurance companies have many kinds of plans. New Hampshire residents can choose from Silver plans, including 27 Silver EPO plans, 53 Silver HMO plans and 19 Silver PPO plans. The best providers for the available plan categories are:

• EPO: Ambetter (MoneyGeek score: 60 out of 100)
• HMO: Harvard Pilgrim Health Care (MoneyGeek score: 60 out of 100)
• PPO: Anthem (BCBS) (MoneyGeek score: 100 out of 100)

MoneyGeek's recommendations use only Silver plans, which are a choice for people who go to the doctor sometimes. These plans are inexpensive, and you don't have to pay too much when visiting the doctor.

Which health insurance in New Hampshire is best for you will depend on your financial situation and medical needs. Are you willing to pay more if you need care in exchange for lower premiums? Or do you know you will need lots of medical care and are willing to pay higher premiums for lower out-of-pocket costs?

The following advice can be helpful in getting health insurance.

Those who are 65 years or older in New Hampshire or who have a qualifying disease or disability might be eligible for Medicare. This is a federal health insurance program that gives savings on medical care to those who qualify. Medicare is made up of three parts:

• Part A (Hospital Insurance): Provides coverage for inpatient hospital stays, nursing homes, home health care and hospice care.
• Part B (Medical Insurance): Provides coverage for preventative care and outpatient treatment, including doctor visits.
• Part D (Prescription drug coverage): Helps pay for the cost of prescription drugs.

MoneyGeek offers details on where to find the best Medicare Supplement in New Hampshire and the top New Hampshire Medicare Advantage plans.

Individuals and families in New Hampshire who satisfy the eligibility standards can be served by the federal and state-funded health care program known as NH Medicaid (Medical Assistance).

Finding an ideal health insurance plan can be complicated due to concerns about price and availability. MoneyGeek answers some frequently asked questions to help you research options.