Health Insurance Plans in New Hampshire
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| Plan Name | On or Off Exchange | Plan eligible for subsidy? | Metal Level | Deductible (individual/family) | Out-of-pocket Max (individual/family) | |
|---|---|---|---|---|---|---|
| Elite Bronze by Celtic Insurance Company | Both | Bronze | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| WellSense Clarity NH Bronze 6500 + $0 Rx List + 24/7 Nurse Advice by WellSense Health Plan | Both | Bronze | $6,500 / $13,000 | $9,200 / $18,400 | Price & Details | |
| NH Local Choice HMO HSA Bronze 6000 by Harvard Pilgrim Health Care of NE | Both | Bronze | $6,000 / $12,000 | $7,500 / $15,000 | Price & Details | |
| NH Local HMO Bronze 7500 Standard by Harvard Pilgrim Health Care of NE | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| NH Local Choice HMO Bronze 8000 by Harvard Pilgrim Health Care of NE | Both | Bronze | $8,000 / $16,000 | $9,100 / $18,200 | Price & Details | |
| Anthem Heart Healthy Bronze Pathway X Enhanced 6000/30% ($0 Virtual PCP + $0 Select Drugs) by Matthew Thornton Hlth Plan(Anthem BCBS) | Both | Bronze | $6,000 / $12,000 | $9,200 / $18,400 | Price & Details | |
| Anthem Bronze Pathway X Enhanced 7500/50% ($0 Virtual PCP + $0 Select Drugs) Standard by Matthew Thornton Hlth Plan(Anthem BCBS) | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| WellSense Clarity NH Bronze 7500 + $0 Rx List + 24/7 Nurse Advice by WellSense Health Plan | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Standard Expanded Bronze by Celtic Insurance Company | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| WellSense Clarity NH Bronze 7300 HSA + $0 Rx List + 24/7 Nurse Advice by WellSense Health Plan | Both | Bronze | $7,300 / $14,600 | $7,300 / $14,600 | Price & Details | |
| Choice Bronze HSA + Vision + Adult Dental by Celtic Insurance Company | Both | Bronze | $7,250 / $14,500 | $7,250 / $14,500 | Price & Details | |
| Elite Bronze + Vision + Adult Dental by Celtic Insurance Company | Both | Bronze | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| Choice Bronze HSA by Celtic Insurance Company | Both | Bronze | $7,250 / $14,500 | $7,250 / $14,500 | Price & Details | |
| Standard Expanded Bronze + Vision + Adult Dental by Celtic Insurance Company | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Anthem Bronze Pathway X Enhanced 6500/40% ($0 Virtual PCP + $0 Select Drugs) by Matthew Thornton Hlth Plan(Anthem BCBS) | Both | Bronze | $6,500 / $13,000 | $9,200 / $18,400 | Price & Details | |
| Anthem Bronze Pathway X Enhanced 6000/35% HSA by Matthew Thornton Hlth Plan(Anthem BCBS) | Both | Bronze | $6,000 / $12,000 | $7,400 / $14,800 | Price & Details | |
| WellSense Clarity NH Silver 5000 + $0 Rx List + 24/7 Nurse Advice by WellSense Health Plan | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| WellSense Clarity NH Silver 0 Deductible + $0 Rx List + 24/7 Nurse Advice by WellSense Health Plan | Both | Silver | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| WellSense Clarity NH Silver 5800 + $0 Rx List + 24/7 Nurse Advice by WellSense Health Plan | Both | Silver | $5,800 / $11,600 | $8,600 / $17,200 | Price & Details | |
| NH Local HMO Silver 5000 Standard by Harvard Pilgrim Health Care of NE | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| NH Local Choice HMO Silver 3500 by Harvard Pilgrim Health Care of NE | Both | Silver | $3,500 / $7,000 | $8,200 / $16,400 | Price & Details | |
| Clear Silver by Celtic Insurance Company | Both | Silver | $6,500 / $13,000 | $6,500 / $13,000 | Price & Details | |
| Complete Silver by Celtic Insurance Company | Both | Silver | $6,000 / $12,000 | $8,500 / $17,000 | Price & Details | |
| Standard Silver by Celtic Insurance Company | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Clear Silver + Vision + Adult Dental by Celtic Insurance Company | Both | Silver | $6,500 / $13,000 | $6,500 / $13,000 | Price & Details | |
| Complete Silver + Vision + Adult Dental by Celtic Insurance Company | Both | Silver | $6,000 / $12,000 | $8,500 / $17,000 | Price & Details | |
| Standard Silver + Vision + Adult Dental by Celtic Insurance Company | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Anthem Silver Pathway X Enhanced 5500/20% ($0 Virtual PCP + $0 Select Drugs) by Matthew Thornton Hlth Plan(Anthem BCBS) | Both | Silver | $5,500 / $11,000 | $8,400 / $16,800 | Price & Details | |
| Anthem Heart Healthy Silver Pathway X Enhanced 4000/0% ($0 Virtual PCP + $0 Select Drugs) by Matthew Thornton Hlth Plan(Anthem BCBS) | Both | Silver | $4,000 / $8,000 | $9,100 / $18,200 | Price & Details | |
| Anthem Silver Pathway X Enhanced 5000/40% ($0 Virtual PCP + $0 Select Drugs) Standard by Matthew Thornton Hlth Plan(Anthem BCBS) | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| NH Local Choice HMO Silver 5000 by Harvard Pilgrim Health Care of NE | Both | Silver | $5,000 / $10,000 | $8,500 / $17,000 | Price & Details | |
| Anthem Silver Pathway X Enhanced 4500/20% HSA by Matthew Thornton Hlth Plan(Anthem BCBS) | Both | Silver | $4,500 / $9,000 | $5,900 / $11,800 | Price & Details | |
| WellSense Clarity NH Gold 1500 + $0 Rx List + 24/7 Nurse Advice by WellSense Health Plan | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| NH Local HMO Gold 1500 Standard by Harvard Pilgrim Health Care of NE | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| NH Local Choice HMO Gold by Harvard Pilgrim Health Care of NE | Both | Gold | $0 / $0 | $8,700 / $17,400 | Price & Details | |
| NH Local Choice HMO Gold 1400 by Harvard Pilgrim Health Care of NE | Both | Gold | $1,400 / $2,800 | $7,500 / $15,000 | Price & Details | |
| Complete Gold by Celtic Insurance Company | Both | Gold | $1,450 / $2,900 | $7,500 / $15,000 | Price & Details | |
| Everyday Gold by Celtic Insurance Company | Both | Gold | $750 / $1,500 | $7,000 / $14,000 | Price & Details | |
| Standard Gold by Celtic Insurance Company | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| Complete Gold + Vision + Adult Dental by Celtic Insurance Company | Both | Gold | $1,450 / $2,900 | $7,500 / $15,000 | Price & Details | |
| Everyday Gold + Vision + Adult Dental by Celtic Insurance Company | Both | Gold | $750 / $1,500 | $7,000 / $14,000 | Price & Details | |
| Standard Gold + Vision + Adult Dental by Celtic Insurance Company | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| Anthem Gold Pathway X Enhanced 1200/20% ($0 Virtual PCP + $0 Select Drugs) by Matthew Thornton Hlth Plan(Anthem BCBS) | Both | Gold | $1,200 / $3,600 | $9,000 / $18,000 | Price & Details | |
| Anthem Gold Pathway X Enhanced 700/40% ($0 Virtual PCP + $0 Select Drugs) by Matthew Thornton Hlth Plan(Anthem BCBS) | Both | Gold | $700 / $1,400 | $7,500 / $15,000 | Price & Details | |
| Anthem Gold Pathway X Enhanced 1500/25% ($0 Virtual PCP + $0 Select Drugs) Standard by Matthew Thornton Hlth Plan(Anthem BCBS) | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| Anthem Catastrophic Pathway X Enhanced 9200/0% by Matthew Thornton Hlth Plan(Anthem BCBS) | Both | Catastrophic | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Anthem Catastrophic Pathway X Enhanced 9200/0% PD by Matthew Thornton Hlth Plan(Anthem BCBS) | Off | Catastrophic | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| NH Local Choice HMO Bronze 6500 by Harvard Pilgrim Health Care of NE | Off | Bronze | $6,500 / $13,000 | $8,900 / $17,800 | Price & Details | |
| NH Local Choice HMO HSA Bronze 6000 by Harvard Pilgrim Health Care of NE | Off | Bronze | $6,000 / $12,000 | $7,500 / $15,000 | Price & Details | |
| Anthem Bronze Pathway X Enhanced 7500/50% PD ($0 Virtual PCP + $0 Select Drugs) Standard by Matthew Thornton Hlth Plan(Anthem BCBS) | Off | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| NH Local Choice HMO Bronze 6500 by Harvard Pilgrim Health Care of NE | Off | Bronze | $6,500 / $13,000 | $8,900 / $17,800 | Price & Details | |
| Anthem Bronze Pathway X Enhanced 9200/0% PD ($0 Virtual PCP + $0 Select Drugs) by Matthew Thornton Hlth Plan(Anthem BCBS) | Off | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Anthem Bronze Pathway X Enhanced 6000/35% HSA PD by Matthew Thornton Hlth Plan(Anthem BCBS) | Off | Bronze | $6,000 / $12,000 | $7,400 / $14,800 | Price & Details | |
| NH Local Choice HMO Bronze 8000 by Harvard Pilgrim Health Care of NE | Off | Bronze | $8,000 / $16,000 | $9,100 / $18,200 | Price & Details | |
| NH Local Choice HMO Bronze 7200 by Harvard Pilgrim Health Care of NE | Off | Bronze | $7,200 / $14,400 | $8,700 / $17,400 | Price & Details | |
| Anthem Bronze Pathway X Enhanced 6500/40% PD ($0 Virtual PCP + $0 Select Drugs) by Matthew Thornton Hlth Plan(Anthem BCBS) | Off | Bronze | $6,500 / $13,000 | $9,200 / $18,400 | Price & Details | |
| Anthem Bronze Pathway X Enhanced 6000/30% PD ($0 Virtual PCP + $0 Select Drugs) by Matthew Thornton Hlth Plan(Anthem BCBS) | Off | Bronze | $6,000 / $12,000 | $9,200 / $18,400 | Price & Details | |
| NH Local Choice HMO Bronze 7200 by Harvard Pilgrim Health Care of NE | Off | Bronze | $7,200 / $14,400 | $8,700 / $17,400 | Price & Details | |
| Anthem Bronze Preferred EPO 6000/35% HSA PD by Anthem Blue Cross and Blue Shield | Off | Bronze | $6,000 / $12,000 | $7,400 / $14,800 | Price & Details | |
| Anthem Bronze Pathway X Enhanced 5500/35% PD ($0 Virtual PCP + $0 Select Drugs) by Matthew Thornton Hlth Plan(Anthem BCBS) | Off | Bronze | $5,500 / $11,000 | $9,200 / $18,400 | Price & Details | |
| Anthem Silver Pathway X Enhanced 5500/20% PD ($0 Virtual PCP + $0 Select Drugs) by Matthew Thornton Hlth Plan(Anthem BCBS) | Off | Silver | $5,500 / $11,000 | $8,400 / $16,800 | Price & Details | |
| NH Local Choice HMO HSA Silver 3500 by Harvard Pilgrim Health Care of NE | Off | Silver | $3,500 / $7,000 | $7,500 / $15,000 | Price & Details | |
| NH Local Choice HMO Silver 2500 by Harvard Pilgrim Health Care of NE | Off | Silver | $2,500 / $5,000 | $9,100 / $18,200 | Price & Details | |
| Anthem Silver Pathway X Enhanced 4000/0% PD ($0 Virtual PCP + $0 Select Drugs) by Matthew Thornton Hlth Plan(Anthem BCBS) | Off | Silver | $4,000 / $8,000 | $9,100 / $18,200 | Price & Details | |
| NH Local Choice HMO Silver 2500 by Harvard Pilgrim Health Care of NE | Off | Silver | $2,500 / $5,000 | $9,100 / $18,200 | Price & Details | |
| NH Local Choice HMO Silver 4000 by Harvard Pilgrim Health Care of NE | Off | Silver | $4,000 / $8,000 | $7,250 / $14,500 | Price & Details | |
| NH Local Choice HMO HSA Silver 3500 by Harvard Pilgrim Health Care of NE | Off | Silver | $3,500 / $7,000 | $7,500 / $15,000 | Price & Details | |
| Silver 201 HSA by Celtic Insurance Company | Off | Silver | $5,800 / $11,600 | $5,800 / $11,600 | Price & Details | |
| Anthem Silver Pathway X Enhanced 5000/40% PD ($0 Virtual PCP + $0 Select Drugs) Standard by Matthew Thornton Hlth Plan(Anthem BCBS) | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Anthem Silver Pathway X Enhanced 4500/20% HSA PD by Matthew Thornton Hlth Plan(Anthem BCBS) | Off | Silver | $4,500 / $9,000 | $5,900 / $11,800 | Price & Details | |
| NH Local Choice HMO Silver 4000 by Harvard Pilgrim Health Care of NE | Off | Silver | $4,000 / $8,000 | $7,250 / $14,500 | Price & Details | |
| Anthem Silver Preferred EPO 5500/20% PD ($0 Virtual PCP + $0 Select Drugs) by Anthem Blue Cross and Blue Shield | Off | Silver | $5,500 / $11,000 | $9,200 / $18,400 | Price & Details | |
| Silver 203 by Celtic Insurance Company | Off | Silver | $4,450 / $8,900 | $7,250 / $14,500 | Price & Details | |
| NH Local Choice HMO Silver 3500 by Harvard Pilgrim Health Care of NE | Off | Silver | $3,500 / $7,000 | $8,200 / $16,400 | Price & Details | |
| Anthem Silver Preferred EPO 3500/15% HSA PD by Anthem Blue Cross and Blue Shield | Off | Silver | $3,500 / $7,000 | $7,400 / $14,800 | Price & Details | |
| NH Local Choice HMO Silver 5000 by Harvard Pilgrim Health Care of NE | Off | Silver | $5,000 / $10,000 | $8,500 / $17,000 | Price & Details | |
| Anthem Silver Pathway X Enhanced 3500/15% HSA PD by Matthew Thornton Hlth Plan(Anthem BCBS) | Off | Silver | $3,500 / $7,000 | $7,400 / $14,800 | Price & Details | |
| Gold 201 HSA by Celtic Insurance Company | Off | Gold | $3,300 / $6,600 | $3,300 / $6,600 | Price & Details | |
| Anthem Gold Pathway X Enhanced 1500/25% PD ($0 Virtual PCP + $0 Select Drugs) Standard by Matthew Thornton Hlth Plan(Anthem BCBS) | Off | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| Anthem Gold Pathway X Enhanced 1200/20% PD ($0 Virtual PCP + $0 Select Drugs) by Matthew Thornton Hlth Plan(Anthem BCBS) | Off | Gold | $1,200 / $3,600 | $9,000 / $18,000 | Price & Details | |
| NH Local Choice HMO Gold 1400 by Harvard Pilgrim Health Care of NE | Off | Gold | $1,400 / $2,800 | $7,500 / $15,000 | Price & Details | |
| Gold 202 by Celtic Insurance Company | Off | Gold | $2,000 / $4,000 | $6,000 / $12,000 | Price & Details | |
| Anthem Gold Pathway X Enhanced 700/40% PD ($0 Virtual PCP + $0 Select Drugs) by Matthew Thornton Hlth Plan(Anthem BCBS) | Off | Gold | $700 / $1,400 | $7,500 / $15,000 | Price & Details | |
| NH Local Choice HMO Gold by Harvard Pilgrim Health Care of NE | Off | Gold | $0 / $0 | $8,700 / $17,400 | Price & Details |
Help with Obamacare & Off-Exchange Plans Sign Up
After using a subsidy tax credit, you may be eligible for Obamacare plans as low as $0.
Licensed insurance agents at our trusted partner help people apply for a subsidy and sign up for Obamacare plans available on healthcare.gov or other State exchange marketplaces.
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Learn More About Obamacare and Off-Exchange Plans in New Hampshire
What are Obamacare Health Insurance Plans?
Obamacare health insurance plans are plans which are eligible for reduced costs with a subsidy tax credit. Obamacare plans are only offered through the federal government exchange marketplace healthcare.gov or some States have their own exchange marketplace website. Although plans are only offered through the exchange marketplaces, the federal government allows certified brokers, agents, and web brokers to help you enroll in an Obamacare plan and apply for a subsidy.
What are Off-Exchange Health Insurance Plans?
Off-Exchange health insurance plans are plans which are available outside of the federal government exchange marketplaces. Off-Exchange plans existed before Obamacare. For example, if someone did not have access to a health insurance plan through work, they may have purchased an Off-Exchange plan offered on the Individual Market.
You can enroll in an Off-Exchange plan through a broker, agent, web broker, or by contacting the insurance company directly.
What’s the difference between Obamacare plans and Off-Exchange plans?
The main difference between Obamacare plans and Off-Exchange plans is that only Obamacare plans are eligible for a subsidy tax credit to reduce costs.
Otherwise there are not many other differences between Obamacare plans and Off-Exchange plans. Plan design, coverage, and rates are similar and both sets of plans must adhere to federal government regulations. In fact, there are many plans which are available as both Obamacare plans and as Off-Exchange plans.
Can a plan be both an Obamacare and Off-Exchange plan?
Yes, a plan can be available as both an Obamacare and an Off-Exchange plan.
On the other hand, some plans are only offered as Obamacare plans while other plans are only offered as Off-Exchange plans.
Do plans which are both Obamacare and Off-Exchange plans cost the same price?
Yes, by law a plan which is offered as both an Obamacare plan and an Off-Exchange plan must be sold at the same price. In addition, broker, agents, and web brokers are required to sell plans at the same market price. However, keep in mind that only Obamacare plans are eligible for a subsidy to reduce the monthly premium price.
Who is eligible for Obamacare and Off-Exchange plans?
Technically everyone is eligible for Obamacare plans and Off-Exchange plans. The real question is - who is eligible for a subsidy tax credit? - which can only be used to reduce the costs of Obamacare plans. Note that even if you are not eligible for a subsidy tax credit, you are still allowed to purchase an Obamacare plan at the full price.
What is the Obamacare Subsidy (Tax Credit)?
The Obamacare subsidy is really a tax credit, and it is formally known as the Advanced Premium Tax Credit (APTC). Typically people receive a tax credit at the end of the year when filing taxes, but this tax credit can be received “in advance”, during the year, to reduce the monthly premium costs of an Obamacare health insurance plan.
You must complete an official federal government application to learn your subsidy amount. Everyone’s amount will be different. The calculation for the subsidy amount can be quite complicated. It is based on several different factors, but household income is the main factor. We recommend using our tool to estimate your subsidy amount.
Search Obamacare plans and estimate subsidy amount
Who is eligible to receive an Obamacare Subsidy (Tax Credit)
To be eligible for a subsidy to reduce the monthly premium costs of Obamacare plans, you must meet the following requirements.
- Income requirements based on household size and household income. As examples, earn less than $48,240 for an individual and less than $98,400 for a family of four
- Not eligible for other federal government sponsored insurance, such as Medicare or Medicaid
- Do not have access to a health insurance plan from your employer which meet federal government coverage and affordability requirements
- File taxes or be claimed as a spouse or dependent on taxes. Married couples are required to file taxes jointly.
- Not be incarcerated
- Be legally present in the United States
Why should I consider Off-Exchange plans?
Off-Exchange plans may provide you with additional options compared to available Obamacare plans. If you are not eligible for a subsidy, or only eligible for a small subsidy amount, Off-Exchange plans may still be an affordable option for you.
A second reason for considering Off-Exchange plans is that your favorite doctor may only accept a plan which is available as an Off-Exchange plan. We recommend researching provider networks when considering health insurance plans. We provide links to official provider directories, or doctor lookups, on Health Plan Radar.
In addition, some health insurance companies have been leaving the Obamacare plan market, but they may still offer Off-Exchange plans. Your preferred insurance company may still offer plans on the Off-Exchange market.
How do I choose an Obamacare plan or Off-Exchange plan which is best for me and my family?
There are several health insurance concepts you should understand before choosing a plan that’s best for you, including premium price, out-of-pocket costs, deductibles, and plan metal levels. Visit our choosing a plan FAQ page to learn more.
FAQs - Choosing an Obamacare or Off-Exchange Health Insurance Plan