New Hampshire
Cheapest ACA plans in Belknap County, New Hampshire for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Belknap County, New Hampshire has 5 on-exchange carriers offering 46 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Boston Medical Center Health Plan, Inc. WellSense Clarity NH Bronze 6500 at $317 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Belknap County, 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).
| Tier | Cheapest age 40 monthly | Plans in Belknap County |
|---|---|---|
| Catastrophic | $278 | 1 |
| Expanded Bronze | $317 | 16 |
| Silver | $388 | 16 |
| Gold | $417 | 13 |
The actual cheapest Bronze plan in Belknap County
Boston Medical Center Health Plan, Inc. WellSense Clarity NH Bronze 6500
$317/moFor a family of four (two 40-year-olds and two kids under 14): Boston Medical Center Health Plan, Inc. WellSense Clarity NH Bronze 6500 at $1,013/month before subsidies.
Carriers selling 2026 plans in Belknap County
5 carriers sell 2026 plans on Healthcare.gov; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 72 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Ambetter | 18 |
| Matthew Thornton Health Plan, Inc. | 11 |
| Harvard Pilgrim | 9 |
| Boston Medical Center Health Plan, Inc. | 7 |
| Anthem | 1 |
Also selling off-exchange only
These carriers sell plans directly (not through Healthcare.gov). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| Anthem Health Plans of New Hampshire | 6 |
What you'll actually pay in Belknap County
Estimated monthly net premium for the cheapest Bronze plan above ($317/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Belknap Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $292/mo | $25/mo |
| $40,000 | 256% | $102/mo | $215/mo |
| $60,000 | 383% | $0/mo | $317/mo |
| $100,000 | 639% | — | $317/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $683/mo | $330/mo |
| $130,000 | 404% | — | $1,013/mo |
| $200,000 | 622% | — | $1,013/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Belknap County, New Hampshire for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Boston Medical Center Health Plan, Inc. WellSense Clarity NH Bronze 6500 at $317 per month before subsidies. Plans sell through Healthcare.gov. Data refreshed 2026-04-19T08:08:55.462Z.
Does New Hampshire use Healthcare.gov?
Yes. New Hampshire participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. New Hampshire does not operate a state-based exchange for PY2026.
Has New Hampshire expanded Medicaid?
Yes. New Hampshire adopted ACA Medicaid expansion in 2014; the program today is called the Granite Advantage Health Care Program. Adults 19-64 up to 138% FPL qualify, so there is no coverage gap.
Is there a Medicaid work requirement in New Hampshire?
No. New Hampshire's §1115 work-requirement waiver was enjoined by the federal district court in July 2019 (part of the Stewart v. Azar / Philbrick v. Azar line of cases). The requirement is not enforced, and Granite Advantage eligibility follows standard expansion rules.
More New Hampshire pricing
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- New Hampshire Insurance Department for rate review, carrier filings, and consumer guidance.
- New Hampshire Medicaid: Granite Advantage for Granite Advantage Health Care Program eligibility and enrollment.
- KFF: New Hampshire State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.