Health Insurance in New Hampshire

How buying coverage works in New Hampshire

New Hampshire doesn't run its own exchange. Individuals and families buy Marketplace plans through HealthCare.gov, the federal Marketplace. You can also buy a plan directly from an insurance company or through a licensed agent or broker.

Where you buy matters if you need help with the cost. Premium tax credits, which lower your monthly premium, are only available on plans bought through the Marketplace. They're based on your household size and the income you expect for the year. In general, households with income between 100% and 400% of the federal poverty level qualify.

Key dates for 2027 coverage

• November 1, 2026Open Enrollment starts. You can enroll in, renew or change a Marketplace plan.
• December 15, 2026Last day to choose a plan for coverage that starts January 1, 2027.
• January 15, 2027Open Enrollment ends. Plans chosen December 16 to January 15 start February 1.

Outside Open Enrollment, you can usually enroll only if you have a qualifying life event, such as moving, losing other coverage, getting married or having a baby. That gives you a Special Enrollment Period, which usually lasts 60 days. You can apply for Medicaid at any time of year.

What's changing for 2027

• One Marketplace insurer is leaving. Ambetter from NH Healthy Families is ending its Marketplace plans in New Hampshire after December 31, 2026. If you have one of those plans, choose a new plan by December 15 to avoid a gap in January. NH Healthy Families Medicaid coverage isn't affected.
• The extra federal help has ended. The enhanced premium tax credits that were available through 2025 have expired. Households with income above 400% of the federal poverty level no longer qualify for premium tax credits, so it's worth comparing plans carefully.

Granite Advantage: New Hampshire's Medicaid expansion

New Hampshire expanded Medicaid through the Granite Advantage Health Care Program. It generally covers adults age 19 to 64 who aren't pregnant, aren't on Medicare and have household income at or below 133% of the federal poverty level.

Starting January 2027, many Granite Advantage members will need to meet work or community engagement requirements to keep their coverage. That generally means 80 hours a month of work, community service, an approved work program or school, or monthly income of at least $580. Some people are exempt, including people who are pregnant or postpartum, parents or caretakers of a child 13 or younger, and people who are medically frail. Current members face the new rules at their first renewal in 2027. New applicants from January 1, 2027 need to show they met the requirement in the month before they apply.

Coverage for New Hampshire businesses

Employers in New Hampshire can offer group health plans to their teams. Small employers can also use the federal Small Business Health Options Program (SHOP). Whatever the size of your company, we'll compare group options side by side and walk you through how costs are shared between employer and employee.

Questions after you enroll?

The New Hampshire Insurance Department helps consumers with questions or problems once they have coverage. You can reach its consumer services line at 1-800-852-3416. For problems using HealthCare.gov itself, call the federal Marketplace at 1-800-318-2596.