Cheapest ACA plans in New Hampshire for 2026

Cheapest plans by metal tier

Lowest 2026 monthly premium for a single 40-year-old non-tobacco user, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).

The actual cheapest plan in major counties

Same data the search returns: carrier, plan name, monthly premium, individual deductible, individual MOOP. Computed for a single 40-year-old non-tobacco user, before any subsidy. Catastrophic plans excluded because adults 30+ typically need a hardship-exemption certificate to enroll.

The actual cheapest plan for a family of four

Two 40-year-old adults and two kids in the 0-14 age band, before any subsidy. Carrier, plan name, premium, deductible, and MOOP exactly as the search would return them.

Subsidies: federal APTC only (no state premium subsidy)

New Hampshire does not fund a supplemental state premium subsidy or §1332 reinsurance waiver. Marketplace financial help is federal only:

1. Federal Advance Premium Tax Credit (APTC). Households 100-400% FPL on the PY2026 standard ACA contribution curve, applied through Healthcare.gov. The ARPA / IRA enhanced subsidies expired 2025-12-31 and are not in effect for 2026, so the hard 400% FPL cliff is back.
2. Federal cost-sharing reductions (CSRs). Households 100-250% FPL enrolled in a Silver plan receive reduced deductibles, copays, and out-of-pocket maximums automatically.

New Hampshire adopted Medicaid expansion in 2014, today known as the Granite Advantage Health Care Program. Adults 19-64 up to 138% FPL qualify regardless of parental status or disability, so there is no coverage gap in New Hampshire. A §1115 work-requirement waiver was enjoined by the federal district court in July 2019 and is not in effect.

Catastrophic plans in New Hampshire follow federal rules

New Hampshire follows the federal ACA default: Catastrophic plans are available to enrollees under age 30, or at any age with a hardship / affordability exemption. The PY2026 federal auto-expansion applies: adults 30+ automatically qualify when the lowest-cost Bronze plan exceeds the affordability threshold. APTC does not apply to Catastrophic plans.

Tobacco surcharges follow the federal 1.5x default in New Hampshire

New Hampshire applies the federal ACA default (45 CFR 147.102): carriers may charge tobacco users up to 50% more than non-users (a 1.5-to-1 rate ratio). The NH Insurance Department reviews rate filings under RSA 420-G. No NH-specific cap below the federal 1.5x ceiling has been identified. Federal APTC does not offset the tobacco portion.

Carriers selling 2026 plans in New Hampshire

5 carriers, 720 plans across 10 counties. 460 sold on Healthcare.gov, 260 off-exchange-only direct from carriers. PY2026 Healthcare.gov carriers in New Hampshire historically include Anthem Blue Cross Blue Shield of NH, Ambetter from NH Healthy Families (Celtic / Centene), and Harvard Pilgrim Health Care. Networks vary by county; the denser Southern Tier counties (Hillsborough, Rockingham) typically see the widest plan counts.

Enrollment

Open Enrollment for 2026 coverage runs November 1, 2025 through January 15, 2026. Enroll by December 15 for a January 1 effective date; December 16 through January 15 takes effect February 1. Special Enrollment is available year-round for qualifying life events.

Direct enrollment: healthcare.gov.

Frequently asked questions