Medicare in New Hampshire: 2026 Plans, Costs, and Enrollment Guide
- 19 Medicare Advantage plans available statewide (New Hampshire: 10 counties; CMS 2026 Fact Sheet)
- 43 Medigap carriers offering Plan G (TPP rate database, CY2026)
- 9 standalone Part D plans in PDP Region 1 (Maine and New Hampshire)
- Avg MA premium $23.21/mo in 2026 (was $30.94 in 2025) (CMS 2026 Fact Sheet)
- LIS benchmark: $38.05/mo (Region 1)
New Hampshire Medicare Snapshot
New Hampshire has 19 Medicare Advantage plans available statewide for 2026 (CMS 2026 Medicare MA & Part D Landscape State-by-State Fact Sheet), with the specific plans offered varying by county within New Hampshire’s 10 counties. Most New Hampshire Medigap policies are attained-age rated.
The average monthly MA premium in New Hampshire is $23.21 in 2026 (changed from $30.94 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
| Metric | New Hampshire 2026 | Source |
|---|---|---|
| MA plans available | 19 statewide (New Hampshire: 10 counties) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Avg MA premium | $23.21/mo (2025: $30.94) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Medigap carriers (Plan G) | 43 (most carriers use attained-age) | TPP internal data, CY2026 |
| HDG carriers | 22 (most carriers use attained-age) | TPP internal data, CY2026 |
| Standalone Part D plans | 9 (PDP Region 1 — Maine and New Hampshire) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Part D LIS benchmark (Region 1) | $38.05/mo | CMS CY2026 Regional Rates & Benchmarks |
Plan Types Available in New Hampshire
Medicare Advantage (Part C)
New Hampshire offers 19 Medicare Advantage plans statewide for 2026 (CMS 2026 Fact Sheet). Top MA carriers include UnitedHealthcare, Humana, and WellSense Health Plan. Check Medicare Plan Finder for per-plan star ratings in your county.
Medigap (Medicare Supplement)
New Hampshire uses the standard federal Medigap plan letters (A, B, C, D, F, G, K, L, M, N, plus HDG and HDF). 43 carriers offer Plan G in New Hampshire in the TPP rate database (CY2026, non-tobacco, ages 65–85). Plans C, F, and High-Deductible Plan F (HDF) are closed to anyone who first became Medicare-eligible on or after January 1, 2020 (under MACRA 2015); beneficiaries who were Medicare-eligible before that date may still buy Plans C, F, or HDF from carriers that continue to offer them. High-Deductible Plan G (HDG) is the post-2020 high-deductible Medigap option and is offered by 22 New Hampshire carriers.
Most New Hampshire Medigap policies are attained-age rated. See our MA vs Medigap comparison →
Standalone Part D (Prescription Drug Plans)
New Hampshire is in CMS PDP Region 1 (Maine and New Hampshire). For 2026, there are 9 standalone PDP plans available (CMS 2026 Fact Sheet).
Costs in New Hampshire
Medicare Advantage Premiums
The average monthly MA premium in New Hampshire is $23.21 in 2026 (changed from $30.94 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
Medigap Premiums — Plan G and HDG
Most New Hampshire Medigap policies are attained-age rated. Across the 43 New Hampshire Plan G carriers (non-tobacco, ages 65–85), Plan G monthly premiums in 2026 range from approximately $29 to $1071/month(TPP rate database, CY2026).
High-Deductible Plan G (HDG) is offered by 22 New Hampshire carriers; premiums range from approximately $44 to $996/month(TPP rate database, CY2026). HDG works well for beneficiaries who want catastrophic protection at a lower monthly cost and can absorb the high-deductible amount (CMS’s 2026 Medigap high-deductible options notice publishes the current dollar figure).
Part D Costs and the LIS Benchmark
For 2026, New Hampshire (PDP Region 1 — Maine and New Hampshire) has 9 standalone PDP plans (CMS 2026 Fact Sheet). The CMS Low Income Subsidy (LIS / Extra Help) benchmark premium for Region 1 is$38.05/month (CMS CY2026 Regional Rates and Benchmarks).
New Hampshire-Specific Medicare Rules
No State Medigap Birthday Rule
New Hampshire does not have a state Medigap Birthday Rule or Anniversary Rule. Outside of the federal 6-month Medigap Open Enrollment Period and qualifying federal guaranteed-issue events, most Medigap purchases in New Hampshire are subject to medical underwriting at the carrier's discretion.
Medicare Savings Programs (MSPs)
New Hampshire offers Medicare Savings Programs (MSPs) through New Hampshire Medicaid (DHHS):
- QMB (Qualified Medicare Beneficiary): Covers Part A and Part B premiums, deductibles, and cost-sharing.
- SLMB (Specified Low-Income Medicare Beneficiary): Covers Part B premiums only.
- QI (Qualifying Individual): Also covers Part B premiums; subject to annual appropriations.
Apply through New Hampshire Medicaid (DHHS) or contact New Hampshire SHIP (1-800-852-3388) for free enrollment assistance. MSP enrollment also automatically qualifies you for Extra Help / LIS on Part D. Learn more about MSPs →
New Hampshire SHIP
New Hampshire SHIP is New Hampshire's federally designated State Health Insurance Assistance Program (SHIP). It provides free, unbiased Medicare counseling statewide through trained volunteers.
Phone: 1-800-852-3388
Website: nh.gov/insurance/consumers/ship.htm
Enrolling in Medicare in New Hampshire
Standard Enrollment Periods
- Initial Enrollment Period (IEP): 7-month window centered on your 65th birthday month. Enroll at ssa.gov or call 1-800-772-1213.
- Annual Election Period (AEP): October 15 – December 7 each year.
- Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31.
- Federal 6-month Medigap OEP: Starts when you are 65+ and enrolled in Part B.
- Special Enrollment Periods (SEPs): Learn more →
New Hampshire SHIP Counseling
Contact New Hampshire SHIP at 1-800-852-3388 for free one-on-one Medicare guidance statewide.