New Hampshire
Cheapest ACA plans in Rochester, New Hampshire for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Rochester is in Strafford County, New Hampshire. 5 carriers sell 2026 ACA plans on Healthcare.gov for residents of Strafford County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $317/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Strafford County, including Rochester.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Rochester (Strafford 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 Strafford County |
|---|---|---|
| Catastrophic | $278 | 1 |
| Expanded Bronze | $317 | 16 |
| Silver | $388 | 16 |
| Gold | $417 | 13 |
The actual cheapest Bronze plan in Rochester
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 Rochester
5 carriers sell 2026 plans on Healthcare.gov for Strafford County residents; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 72 plans total in Strafford 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 Rochester
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 Strafford 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 Rochester, 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. Rochester is in Strafford County, New Hampshire; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Rochester's 2026 ACA pricing compare to other New Hampshire cities?
Cheapest Bronze for a 40-year-old in Rochester is $317 per month before subsidies. For comparison: Manchester at $317/mo; Nashua at $317/mo; Concord at $317/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
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
- Statewide New Hampshire pricing and metal tiers
- Manchester pricingcheapest Bronze $317/mo
- Nashua pricingcheapest Bronze $317/mo
- Concord pricingcheapest Bronze $317/mo
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.