Wellcare Health offers the cheapest health insurance in New Hampshire with an average monthly premium of $415. You'll save $236 per month compared to the state average of $651. Ambetter ranks second at $502 monthly, saving you $149 per month. Harvard Pilgrim Health Care and Anthem follow at $708 and $716 monthly.
Cheapest Health Insurance in New Hampshire: Affordable Plans for 2026
Updated: December 29, 2025
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Key Takeaways
Wellcare Health, Ambetter and Harvard Pilgrim Health Care have the cheapest health insurance in New Hampshire, with average monthly rates ranging from $415 to $708.
Wellcare offers the most affordable health insurance in New Hampshire across most demographics and HMO plans ($389 monthly). Coverage for children averages $233 monthly, teens $278, young adults $312, adults $389 and seniors $826. Ambetter leads for EPO plans ($455) and Anthem for PPO plans ($747).
Cheapest Health Insurance Providers in New Hampshire
| Wellcare Health | $415 | $236 | $4,980 | $2,832 |
| Ambetter | $502 | $149 | $6,024 | $1,788 |
| Harvard Pilgrim Health Care | $708 | $57 | $8,496 | $684 |
| Anthem | $716 | $65 | $8,592 | $780 |
*Average monthly costs represent the mean of all plan rates for each provider in New Hampshire, rounded to the nearest dollar. Monthly savings show the cost difference between each provider's average rate and the statewide benchmark.
WellCare
MoneyGeek Rating
4.8/ 5
5/5Affordability
5/5Deductible
4.2/5MOOP
Avg. Monthly Rate
$415Avg. MOOP
$6,485Avg. Deductible
$3,263
Most Affordable New Hampshire Health Insurance By Category
Finding the best health insurance provider depends on your age and plan needs. Wellcare Health ranks as the most affordable option, with children's coverage at $233 monthly and senior plans at $826 monthly. Anthem leads HMO options at $389 monthly. Wellcare's low premiums pair with $6,031 annual out-of-pocket maximums and $1,714 deductibles across all age groups.
| Children | Wellcare Health | $233 | $2,793 | $6,031 | $1,714 |
| Teens | Wellcare Health | $278 | $3,333 | $6,031 | $1,714 |
| Young Adults | Wellcare Health | $312 | $3,738 | $6,031 | $1,714 |
| Adults | Wellcare Health | $389 | $4,666 | $6,031 | $1,714 |
| HMO | Wellcare Health | $389 | $4,666 | $6,031 | $1,714 |
| EPO | Ambetter | $455 | $5,454 | $5,169 | $3,538 |
| With Health Savings Account Elligibility | Anthem | $520 | $6,238 | $7,248 | $4,241 |
| PPO | Anthem | $747 | $8,961 | $9,150 | $3,625 |
| Seniors | Wellcare Health | $826 | $9,908 | $6,031 | $1,714 |
*These are average rates for all plan types and metal levels, with teens at 18, young adults at 26, adults at 40 and seniors at 60. For plan type costs, we used average rates for 40-year-olds.
Most Affordable New Hampshire Health Insurance By Metal Level
Metal tiers determine your premium and out-of-pocket costs. Anthem offers the cheapest Catastrophic coverage at $278 monthly for 40-year-olds. Wellcare Health leads mid-tier options with Expanded Bronze at $319, Silver at $389 and Gold at $417 (all with $1,500 deductibles). For maximum coverage, Anthem's Platinum plans cost $752 monthly.
| Catastrophic | Anthem | $278 | $3,331 | $10,600 | $10,600 |
| Expanded Bronze | Wellcare Health | $319 | $3,833 | $7,050 | $5,400 |
| Silver | Wellcare Health | $389 | $4,666 | $6,031 | $1,714 |
| Gold | Wellcare Health | $417 | $4,999 | $6,150 | $1,500 |
| Platinum | Anthem | $752 | $9,025 | $3,500 | No Data |
Cheap New Hampshire Health Insurance: Personalized Picks
Filter New Hampshire plans by age, metal tier and plan type to find your best rates. Younger adults pay less across all coverage levels, while subsidies reduce premiums for households earning $15,650 to $62,600 annually.
Data filtered by:
HMO
Silver
40
No
| Wellcare Health | Wellsense Clarity Nh Silver 3400 + $0 Rx List + 24/7 Nurse Advice | $388 | HMO | Silver | $6,414 | $2,043 | 40 | No |
| Wellcare Health | Wellsense Clarity Nh Silver 6000 + $0 Rx List + 24/7 Nurse Advice | $388 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Wellcare Health | Wellsense Clarity Nh Silver 0 Deductible + $0 Rx List + 24/7 Nurse Advice | $390 | HMO | Silver | $6,021 | $0 | 40 | No |
| Anthem | Anthem Silver Pathway X Enhanced 6000/40% ($0 Virtual Pcp + $0 Select Drugs) Standard | $415 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Anthem | Anthem Silver Pathway X Enhanced 5500/20% ($0 Virtual Pcp + $0 Select Drugs) | $440 | HMO | Silver | $5,200 | $3,093 | 40 | No |
| Anthem | Anthem Silver Pathway X Enhanced 4500/20% Hsa | $445 | HMO | Silver | $2,425 | $1,350 | 40 | No |
| Anthem | Anthem Heart Healthy Silver Pathway X Enhanced 4000/0% ($0 Virtual Pcp + $0 Select Drugs) | $478 | HMO | Silver | $5,464 | $2,400 | 40 | No |
| Anthem | Anthem Silver Pathway X Hmo 5000/30%/9000 Value | $480 | HMO | Silver | $9,000 | $5,000 | 40 | No |
| Anthem | Anthem Silver Pathway X Hmo 4000/30%/9000 Value | $490 | HMO | Silver | $9,000 | $4,000 | 40 | No |
| Anthem | Anthem Silver Pathway X Hmo 3000/30%/9000 Value | $504 | HMO | Silver | $9,000 | $3,000 | 40 | No |
How to Get Cheap Health Insurance in New Hampshire
You can lower your health insurance costs in New Hampshire by shopping strategically and taking advantage of available financial help. The process involves timing your purchase during open enrollment, checking your subsidy eligibility and comparing plans that fit your budget and healthcare needs
- 1Look Beyond Bronze Plans
Don't default to the cheapest Bronze or Catastrophic plan. Silver and Gold plans provide better value when you factor in lower deductibles and out-of-pocket costs, especially if you need regular medical care.
- 2Review Your Medical Spending
Review last year's health care spending. If you only visited the doctor twice and didn't need prescriptions, a high-deductible plan saves money. For example, if you spent $500 last year on two routine doctor visits and one urgent care trip, a Bronze plan with a $6,000 deductible might save you $150 monthly compared to a Gold plan.
- 3Explore HMO Options
HMO plans cost less than PPO options in New Hampshire. You'll need to stay within the provider network, but Wellcare Health and other HMO providers save you $100 or more monthly.
- 4Verify Subsidy Eligibility
Premium tax credits from the Health Insurance Marketplace reduce your monthly costs based on your income. Even middle-income families qualify for assistance. Check your eligibility before purchasing a plan.
- 5Time Your Purchase Right
Open enrollment runs from November 1 to January 15 each year. Missing this window means waiting until next year unless you qualify for a special enrollment period due to major life changes like marriage, birth or job loss.
Cheapest Health Insurance in New Hampshire: Bottom Line
Wellcare Health is the cheapest health insurance provider in New Hampshire, followed by Ambetter and Harvard Pilgrim Health Care. Compare rates from all three insurers across metal tiers and plan types to find your lowest cost.
Affordable Health Insurance in New Hampshire: FAQ
Find answers to the most common health insurance questions for New Hampshire residents:
How do I get cheap health insurance in New Hampshire?
Shop during open enrollment (November 1 to January 15) and compare plans from Wellcare Health, Ambetter and Harvard Pilgrim Health Care across multiple metal tiers. Check your eligibility for premium tax credits through the Health Insurance Marketplace. HMO plans cost less than PPO options in New Hampshire.
How much does health insurance cost in New Hampshire?
Health insurance in New Hampshire costs an average of $610 monthly ($7,320 annually) across all plan types and metal levels. Monthly rates range from $166 to $2,122 depending on your age, coverage tier and plan type.
Does New Hampshire require health insurance?
New Hampshire doesn't require health insurance. The federal individual mandate penalty ended in 2019, so you won't face tax penalties for going uninsured. Coverage provides financial protection from high medical costs and covers preventive care and treatment.
Our Methodology
Comparing health insurance in New Hampshire means sorting through multiple providers with different rate structures across age groups and plan types. We analyzed every available plan from federal marketplace data to identify which insurers offer the lowest premiums for New Hampshire residents.
Research Approach
We collected premium data for five ages: 18, 26, 40, 50 and 60. These ages show how rates change from young adult coverage through near-Medicare eligibility, revealing the full cost range New Hampshire residents face at different life stages.
Why We Focus on 40-Year-Olds
Our primary affordability rankings use 40-year-old rates because this age sits at the midpoint of the working-age population in New Hampshire. Using one consistent age removes variables and provides clear comparisons across providers without age distorting the results.
Age-Specific Rankings
We also ranked insurers separately at each age bracket. A provider that's cheapest for young adults might not be most affordable for someone near 60, so these age-specific rankings help you find the best rate for your life stage.
All data comes from federal sources and covers metal tiers and plan types available to New Hampshire residents through the Health Insurance Marketplace.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.