New Hampshire · 2026 plan year

Medicare Advantage HMO plans in New Hampshire

There are 15 Medicare Advantage HMO plans in New Hampshire from 6 carriers, averaging 3.46 out of 5 stars across the 14 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.

15
HMO plans
6
Carriers
10
Counties covered
3.5
Avg stars (14 of 15 rated)
$8,023
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

HMO plans in New Hampshire rate below the national average.

The 14 rated HMO plans here average 3.46 stars against a national median of 3.82. That is a reason to compare carefully rather than to rule the state out — 3 plans here still rate 4 stars or better, and the rating describes the contract, not any one plan's benefits.

Every HMO plan in New Hampshire with a published premium costs $0 a month.

A $0 premium is normal for Medicare Advantage and does not mean the plan is free — you still pay the Part B premium to Medicare, plus copays and coinsurance as you use care. The out-of-pocket maximum, which averages $8,023 here, is the number that caps a bad year.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated HMO plans in New Hampshire

Showing 5 of 15. See all New HampshireMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
Anthem Blue Cross and Blue ShieldElevance Health, Inc.63.5
UnitedHealthcareUnitedHealth Group, Inc.34.01
WellSense Health PlanBMC Health System, Inc.33.0
Aetna MedicareCVS Health Corporation13.5
HumanaHumana Inc.13.0
WellcareCentene Corporation1
Other plan types in New Hampshire

How HMO compares

All New HampshireMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

Common questions

New Hampshire Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in New Hampshire?
Of the New Hampshire HMO plans with a published premium, 100% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $8,023 across these plans.
What are the star ratings for New Hampshire HMO plans?
The 14 rated HMO plans in New Hampshire average 3.46 out of 5 stars, with 3 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in New Hampshire?
There are 15 HMO plans from 6 carriers, sold across 10 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 1 of them are Special Needs Plans with extra eligibility rules (see below).
Do New Hampshire HMO plans include prescription drug coverage?
15 of the 15 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in New Hampshire?
1 of the 15 HMO plans in New Hampshire are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across New Hampshire Medicare Advantage plans.

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