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New Hampshire · 2026 plan year

Bronze health insurance plans in New Hampshire (2026)

There are 16 Bronze plans on the New Hampshire Marketplace from 4 insurers, and they are not interchangeable — premiums run from $248 to $445 a month for the same metal tier. Here is what separates them.

16
Bronze plans
4
Insurers
5
Counties covered
$248
Cheapest premium
$7,375
Median deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Every New Hampshire Bronze plan is HSA-eligible.

All 16 Bronze plans here meet the IRS high-deductible rules, so any of them can be paired with a health savings account — letting you set aside pre-tax money against the deductible, a median of $7,375 in this tier.

New Hampshire Bronze premiums rank 3rd cheapest of 35.

Averaged across all 16 plans, Bronze coverage in New Hampshire costs $313 a month before subsidies — 3rd lowest of the 35 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Cost

What a Bronze plan costs in New Hampshire in 2026

Across all 16 Bronze plans in New Hampshire, monthly premiums run from $248 to $445, averaging $313. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most New Hampshire enrollees, often to a fraction of the sticker price.

Deductibles

Bronze plan deductibles in New Hampshire

Bronze deductibles in New Hampshire run from $6,000 to $8,000, with a median of $7,375 across the 14 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $7,079 because the spread is not symmetric. The other 2 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Bronze out-of-pocket maximums in New Hampshire

Individual out-of-pocket maximums on New Hampshire Bronze plans run from $7,250 to $10,600, with a median of $10,000. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Bronze plans in New Hampshire

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
WellSense Clarity NH Bronze 6500 HSA + $0 Rx List + 24/7 Nurse AdviceWellSense Health Plan$248$6,500$10,600
WellSense Clarity NH Bronze 7500 HSA + $0 Rx List + 24/7 Nurse AdviceWellSense Health Plan$251$7,500$10,000
WellSense Clarity NH Bronze 7600 HSA + $0 Rx List + 24/7 Nurse AdviceWellSense Health Plan$251$7,600$7,600
Anthem Bronze Pathway X Enhanced 7000/0% ($0 Virtual PCP + $0 Select Drugs)Anthem Blue Cross and Blue Shield$253$7,000$10,000
Anthem Bronze Pathway X Enhanced 7500/50% ($0 Virtual PCP + $0 Select Drugs) StandardAnthem Blue Cross and Blue Shield$276$7,500$10,000

Showing 5 of 16. See all New Hampshire Bronze plans →

Who sells here

Bronze plans by insurer

InsurerBronze plansCheapestTier averageDeductible range
Ambetter from NH Healthy Families6$289$314$7,250–$7,500
Anthem Blue Cross and Blue Shield4$253$274$6,000–$7,500
Harvard Pilgrim Health Care3$407$426$6,000–$8,000
WellSense Health Plan3$248$250$6,500–$7,600
Other tiers in New Hampshire

How Bronze compares to the rest

Bronze
Avg $313 · from $248
16 plans · you are here
Silver
Avg $377 · from $304
16 plans
Gold
Avg $430 · from $326
13 plans

All New HampshireMarketplace plans →

Nearby on price

States with similar Bronze premiums

South Carolina
Avg $312
38 Bronze plans
Iowa
Avg $332
41 Bronze plans
North Dakota
Avg $336
18 Bronze plans
Common questions

New Hampshire Bronze plans, answered

What are the copays on New Hampshire Bronze plans?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. What the tier does bound is the rest of the cost-sharing: across the 16 Bronze plans in New Hampshire, out-of-pocket maximums run $7,250 to $10,600, and deductibles on the 14 plans with one combined deductible run $6,000 to $8,000. The other 2 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Bronze plan in New Hampshire?
Any New Hampshire Marketplace shopper can choose Bronze. It carries the lowest premiums and the highest deductibles, and it is the tier most often paired with a health savings account. One trade-off worth knowing: choosing Bronze rather than Silver forfeits cost-sharing reductions entirely if your income would have qualified you for them.
What is the deductible on New Hampshire Bronze plans?
Bronze deductibles in New Hampshire run from $6,000 to $8,000 across the 14 plans with one combined deductible, with a median of $7,375 — that median is the figure closest to a typical plan. The other 2 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $7,250 to $10,600. The spread inside a single tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Bronze plans available in my New Hampshire county?
Bronze plans are sold in 5 New Hampshire counties, from 4 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Marketplace plan in New Hampshire?
New Hampshire uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Bronze premiums in New Hampshire start at $248 a month before any subsidy.

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