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New Hampshire · 2026 plan year

Gold health insurance plans in New Hampshire (2026)

There are 13 Gold plans on the New Hampshire Marketplace from 4 insurers, and they are not interchangeable — premiums run from $326 to $560 a month for the same metal tier. Here is what separates them.

13
Gold plans
4
Insurers
5
Counties covered
$326
Cheapest premium
$1,450
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.

New Hampshire Gold deductibles run 28% below the national median.

The median Gold deductible here is $1,450, against a $2,000 median across the 35 states in this tier. Deductibles here are comparatively low, so premium differences between plans matter proportionally more.

New Hampshire Gold premiums rank 2nd cheapest of 35.

Averaged across all 13 plans, Gold coverage in New Hampshire costs $430 a month before subsidies — 2nd 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 Gold plan costs in New Hampshire in 2026

Across all 13 Gold plans in New Hampshire, monthly premiums run from $326 to $560, averaging $430. 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

Gold plan deductibles in New Hampshire

Gold deductibles in New Hampshire run from $700 to $2,000, with a median of $1,450 across the 12 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 $1,483 because the spread is not symmetric. The other 1 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

Gold out-of-pocket maximums in New Hampshire

Individual out-of-pocket maximums on New Hampshire Gold plans run from $7,250 to $9,000, with a median of $8,200. 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 Gold plans in New Hampshire

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
WellSense Clarity NH Gold 2000 + $0 Rx List + 24/7 Nurse AdviceWellSense Health Plan$326$2,000$8,200
Standard GoldAmbetter from NH Healthy Families$383$2,000$8,200
Everyday GoldAmbetter from NH Healthy Families$386$800$7,250
Standard Gold + Vision + Adult DentalAmbetter from NH Healthy Families$395$2,000$8,200
Everyday Gold + Vision + Adult DentalAmbetter from NH Healthy Families$399$800$7,250

Showing 5 of 13. See all New Hampshire Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier averageDeductible range
Ambetter from NH Healthy Families6$383$396$800–$2,000
Anthem Blue Cross and Blue Shield3$411$416$700–$2,000
Harvard Pilgrim Health Care3$530$546$1,400–$2,000
WellSense Health Plan1$326$326$2,000
Other tiers in New Hampshire

How Gold compares to the rest

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

All New HampshireMarketplace plans →

Nearby on price

States with similar Gold premiums

South Carolina
Avg $457
34 Gold plans
Hawaii
Avg $468
5 Gold plans
Common questions

New Hampshire Gold plans, answered

What are the copays on New Hampshire Gold 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 13 Gold plans in New Hampshire, out-of-pocket maximums run $7,250 to $9,000, and deductibles on the 12 plans with one combined deductible run $700 to $2,000. The other plan sets a separate deductible for prescription drugs and is 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 Gold plan in New Hampshire?
Any New Hampshire Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — a median of $1,450 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on New Hampshire Gold plans?
Gold deductibles in New Hampshire run from $700 to $2,000 across the 12 plans with one combined deductible, with a median of $1,450 — that median is the figure closest to a typical plan. The other plan sets a separate deductible for prescription drugs and is not included in the deductible figures. Out-of-pocket maximums run $7,250 to $9,000. 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 Gold plans available in my New Hampshire county?
Gold 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 Gold premiums in New Hampshire start at $326 a month before any subsidy.

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