How much does health insurance cost in New Hampshire in 2026?
Real prices from the official 2026 HealthCare.gov plan file for all 10 counties in New Hampshire, plus tax-credit examples and private plan ranges.
Monthly premiums by tier and age
| Tier | Age 21 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| Bronze | $251–$445 | $284–$505 | $320–$568 | $448–$794 | $680–$1,207 |
| Silver | $314–$547 | $356–$621 | $401–$699 | $561–$977 | $852–$1,484 |
| Gold | $355–$560 | $402–$636 | $453–$716 | $633–$1,000 | $962–$1,520 |
Typical county range (median of county lows to median of county highs), full price, from the CMS 2026 plan file. The cheapest county goes as low as $317 for a 40-year-old on Bronze; the most expensive county reaches $716 on Gold.
Ranges at a glance (age 40)
What a tax credit does (in Hillsborough County, the state's most populous county)
| Household | % of poverty level | Estimated tax credit | Cheapest Bronze, full → after credit |
|---|---|---|---|
| A single 40-year-old earning $40,000 | 255% | $101/mo | $317 → $215 |
| A family of four (parents 40 and 38, two kids) earning $85,000 | 264% | $603/mo | $1,005 → $402 |
2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.
See your own numbers for New Hampshire
Enter your age, household and income and get every Marketplace plan priced for you, your estimated tax credit, and a private plan range, side by side, in about 30 seconds. No medical questions.
Private plans in New Hampshire
Private plan pricing for New Hampshire is not loaded online yet; an advisor quotes it by phone.
New Hampshire counties
| County | Plans | Insurers | Cheapest Bronze, 40 | Silver benchmark, 40 |
|---|---|---|---|---|
| Hillsborough County | 46 | 4 | $317 | $388 |
| Rockingham County | 46 | 4 | $317 | $388 |
| Merrimack County | 46 | 4 | $317 | $388 |
| Strafford County | 46 | 4 | $317 | $388 |
| Grafton County | 39 | 3 | $324 | $440 |
| Cheshire County | 39 | 3 | $324 | $440 |
| Belknap County | 46 | 4 | $317 | $388 |
| Carroll County | 39 | 3 | $324 | $440 |
| Sullivan County | 39 | 3 | $324 | $440 |
| Coos County | 39 | 3 | $324 | $440 |
Questions people ask
How much is health insurance in New Hampshire per month?
For a 40-year-old paying full price in 2026, Marketplace Bronze plans typically run $320 to $568 a month across New Hampshire counties, Silver $401 to $699, and the silver benchmark that tax credits are based on is about $414. Most people who qualify for a credit pay far less; see the examples above.
Does New Hampshire have Medicaid expansion?
Yes. Households under 138% of the federal poverty level are generally covered by Medicaid rather than a Marketplace credit.
Where do New Hampshire residents enroll in a Marketplace plan?
New Hampshire uses HealthCare.gov. Open Enrollment for 2027 runs November 1 to mid-January; outside that window you need a qualifying life event.
Are private health plans cheaper than the Marketplace in New Hampshire?
It depends on your health and income; the tool compares both for your household.
Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.