Are You Ready to Compare Health Insurance Plans?
We have licensed agents ready to take your call.
Call Us NowRequest a Free QuoteNew Hampshire open enrollment runs from November 1, 2026 to January 15, 2027 on HealthCare.gov. Pick a plan by December 15 if you want coverage to start January 1. Ambetter is leaving the New Hampshire Marketplace for 2027, leaving three insurers. About 11,600 people had Ambetter plans.
This guide covers the key dates, which insurers are selling plans in New Hampshire for 2027, how much rates are changing and how to keep your costs down. For free help comparing plans, call a licensed Vivna agent at 888-730-6031.
- Enroll by December 15 for January 1 coverage, or by January 15 for February 1 coverage.
- Three insurers sell 2027 Marketplace plans in New Hampshire: Anthem (Matthew Thornton Health Plan), Harvard Pilgrim and WellSense.
- Ambetter from NH Healthy Families is leaving the Marketplace, affecting about 11,600 people.
- Proposed increases average about 18% before subsidies.
- New Hampshire expanded Medicaid through the Granite Advantage program.
Key Dates for New Hampshire Open Enrollment
| Date | What happens |
|---|---|
| November 1, 2026 | Open enrollment starts on HealthCare.gov |
| December 15, 2026 | Last day to enroll for coverage starting January 1, 2027 |
| January 15, 2027 | Open enrollment ends. Plans picked by this date start February 1 |
| After January 15 | You need a qualifying life event for a special enrollment period |
If you have a plan now and do nothing, HealthCare.gov may automatically renew you into the same or a similar plan. Auto-renewal can cost you money when rates and subsidies change, so compare before December 15.
Which Insurers Sell Plans in New Hampshire for 2027?
New Hampshire had four Marketplace insurers in 2026. Three remain for 2027:
| Insurer | 2027 status | Proposed average rate change |
|---|---|---|
| Anthem (Matthew Thornton Health Plan) | Returning | About 12% to 25% by plan |
| Harvard Pilgrim Health Care of New England | Returning | 10.7% |
| WellSense (Boston Medical Center HealthNet Plan) | Returning | See your plan notice |
| Ambetter from NH Healthy Families | Leaving the Marketplace | Not applicable |
Plan choices vary by county. Enter your ZIP code on HealthCare.gov, or call 888-730-6031, to see which insurers serve your area.
How Much Are Rates Going Up in New Hampshire?
New Hampshire insurers proposed a weighted average increase of about 18% for 2027, before subsidies. Anthem's Matthew Thornton Health Plan covers about 38,800 New Hampshire Marketplace members.
Ambetter members should pick a new plan by December 15. See our guide for Ambetter members.
How Subsidies Work in New Hampshire for 2027
The enhanced federal subsidies that were in place from 2021 through 2025 expired. For 2027, premium tax credits are available to households with income from 100% to 400% of the federal poverty level that do not have access to affordable employer coverage. Above 400%, there is no subsidy.
Your subsidy is tied to the cost of the second-lowest-cost silver plan in your area. When that benchmark plan goes up, your subsidy usually goes up too. People who earn too much for a subsidy pay the full increase.
If your income is near the 400% line, small changes can make a big difference. See our guide to the ACA subsidy cliff.
Medicaid in New Hampshire
New Hampshire expanded Medicaid through Granite Advantage. Adults with income up to 138% of the federal poverty level can generally qualify. Federal work requirements for many expansion adults start in 2027.
See our New Hampshire health insurance page.
A licensed Vivna agent can compare every New Hampshire Marketplace plan in your ZIP code, check your subsidy and help you switch if your insurer is leaving. Call 888-730-6031 or request a free quote.
How to Enroll in New Hampshire
- Gather your information: household members, Social Security numbers, income estimate for 2027 and current coverage details.
- Estimate your 2027 income carefully. Your subsidy is based on it, and you reconcile it at tax time.
- Compare plans: look at premiums, deductibles, out-of-pocket maximums, networks and drug lists, not just the monthly price.
- Check your doctors and prescriptions in each plan's network and formulary.
- Enroll on HealthCare.gov or with a licensed agent at no extra cost.
- Pay your first premium to start coverage.
Ways to Lower Your Costs in New Hampshire
- Compare bronze, silver and gold plans. If your income is under 250% of the poverty level, a silver plan may give you cost-sharing reductions.
- Consider an HSA-eligible bronze plan if you are healthy and want a tax-free savings account.
- Add hospital indemnity or accident insurance to a lower-premium plan to cover big bills.
- Use our open enrollment checklist so you do not miss a step.
Missed Open Enrollment in New Hampshire?
After January 15, you can only enroll in a Marketplace plan if you have a qualifying life event, such as losing other coverage, moving, getting married or having a baby. If you do not qualify, a New Hampshire short-term health insurance plan may bridge the gap until next year. See how to buy health insurance after open enrollment.
New Hampshire Open Enrollment: FAQ
When is open enrollment in New Hampshire for 2027?
November 1, 2026 to January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1.
How many insurers sell Marketplace plans in New Hampshire for 2027?
Three: Anthem (Matthew Thornton Health Plan), Harvard Pilgrim and WellSense. Ambetter is leaving.
Are New Hampshire health insurance premiums going up in 2027?
Yes. Proposed increases average about 18% before subsidies.
Can I get a subsidy in New Hampshire?
Yes, if your household income is between 100% and 400% of the federal poverty level and you do not have affordable employer coverage.
What if I miss the deadline?
You need a qualifying life event for a special enrollment period. Otherwise, you wait until the next open enrollment.
Next Steps for New Hampshire open enrollment
Review your 2027 options before December 15, especially if your insurer is leaving or your rate is going up. See our national guide to open enrollment deadlines by state.
Want a licensed agent to help? Call 888-730-6031, Monday through Friday, 9 a.m. to 6 p.m. Eastern, or request a free quote.
Sources
- healthinsurance.org: New Hampshire Marketplace
- ACA Signups: 2027 rate changes, New Hampshire
- NHPR: Ambetter pulling out of New Hampshire
- HealthCare.gov
Related Guides
- Open enrollment deadlines by state
- Open enrollment checklist
- ACA subsidy cliff
- If your insurer is leaving
About the author: Michael Sprague
Michael co-founded Vivna Insurance, a licensed independent agency in Deerfield Beach, Florida. He has worked in health insurance sales for more than a decade. Today, he helps Florida families and self-employed clients compare marketplace, short-term and supplemental plans. Licensed health insurance agent, Vivna Insurance (Agency NPN 19168641). Call 888-730-6031.
Reviewed by Heather Sprague, licensed health insurance agent.
Vivna Insurance is a licensed independent agency, not a government website. Our help is free; we are paid by the insurance companies we work with. Coverage options, deadlines and costs vary by plan and state.
Find Local Health Insurance Help
Plans, prices and help programs change by state and even by county. These local guides show what is available near you.
More local help: the Texas health insurance guide, plus guides for Florida, Georgia, North Carolina and every state we serve.
Prefer to talk it through? Call 888-730-6031 Monday through Friday, 9 a.m. to 6 p.m. Eastern, for free help from a licensed agent.
