New Hampshire health insurance plans
How individual and family health coverage works in New Hampshire, in plain language.
Where New Hampshire residents shop
New Hampshire residents who buy their own coverage shop on HealthCare.gov (federal Marketplace) at www.healthcare.gov/new-hampshire/. That is also where income-based help with monthly premiums (premium tax credits) is applied. Enrollment follows the federal HealthCare.gov calendar.
New Hampshire folds its Medicare counseling into ServiceLink, the same statewide Aging and Disability Resource Center network that also handles long-term-care planning and other aging services -- one call can cover a Medicare plan question and a broader aging-services referral.
Enrolling
Open enrollment dates are set by the marketplace and can change from year to year, so confirm this year’s window on the marketplace site before you plan around it. Outside open enrollment you generally need a qualifying life event, such as losing other coverage, moving, or a change in household size.
What affects the plans you see
- Where you live. Plans and premiums are set by area within New Hampshire, so your county matters. Find your county.
- Income and household size. These determine help with premiums and whether you may qualify for Medicaid instead.
- Plan level. Metal levels (Bronze, Silver, Gold, Platinum) trade a lower monthly premium against higher costs when you use care.
New Hampshire DHHS handles Medicaid eligibility -- call the DHHS Customer Service Center at 1-844-275-3447 for applications or changes.
New Hampshire has no state-run ACA exchange, so plan comparisons and subsidy questions go through the federal HealthCare.gov Marketplace.
ServiceLink, New Hampshire's Aging and Disability Resource Center, runs the state's free SHIP Medicare counseling at 1-866-634-9412, separate from New Hampshire Health Insurance's own free phone help.
Questions
Where do I shop for ACA health plans in New Hampshire?
New Hampshire residents shop through HealthCare.gov (federal Marketplace) (https://www.healthcare.gov/new-hampshire/). An independent agent such as Lander LLC can explain the plans for you, but the marketplace is the only place premium tax credits are applied.
How do I apply for Medicaid in New Hampshire?
Medicaid in New Hampshire is run through New Hampshire Department of Health and Human Services (DHHS) (https://www.dhhs.nh.gov/programs-services/medicaid). Eligibility depends on income, household size and other factors, and it is decided by the state, not by an insurance agency.
Who regulates insurance in New Hampshire?
New Hampshire Insurance Department (https://www.nh.gov/insurance) regulates insurance companies and agents in New Hampshire. You can use it to check that an agent or company is licensed and to file a complaint.
Is there free, unbiased Medicare help in New Hampshire?
Yes. ServiceLink (New Hampshire SHIP) (1-866-634-9412) offers free Medicare counseling through the State Health Insurance Assistance Program (SHIP), separate from any insurance agency.
Does New Hampshire Health Insurance cost anything to use?
There is no cost to call or to speak with an agent. Insurance premiums and plan costs are set by the insurance companies and are separate from our help.
Questions about New Hampshire health plans? Call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.