SimpliveraCoverage Companion
New Hampshire · 2026 plan year

Gold health insurance plans in New Hampshire

There are 34 Gold plans on the New Hampshire Marketplace from 5 insurers, and they are not interchangeable — premiums run from $326 to $674 a month for the same metal tier. Here is what separates them.

34
Gold plans
5
Insurers
5
Counties covered
$326
Cheapest premium
$1,626
Average 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.

The priciest Gold plan in New Hampshire costs 2.1× the cheapest.

Gold plans here run from $326 to $674 a month for the same actuarial tier. Metal level sets roughly what share of your care is covered, not what you pay for it — so the tier label alone tells you very little about which of these 34 plans is right for you.

New Hampshire Gold premiums rank 6th cheapest of 30.

Averaged across all 34 plans, Gold coverage in New Hampshire costs $497 a month before subsidies — 6th lowest of the 30 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.

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 34. See all New Hampshire Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier average
Anthem Blue Cross and Blue Shield17$411$473
Anthem Blue Cross and Blue Sheld7$608$646
Ambetter from NH Healthy Families6$383$396
Harvard Pilgrim Health Care3$530$546
WellSense Health Plan1$326$326
Other tiers in New Hampshire

How Gold compares to the rest

Bronze
Avg $357 · from $248
28 plans
Silver
Avg $438 · from $304
58 plans
Gold
Avg $497 · from $326
34 plans · you are here

All New HampshireMarketplace plans →

Nearby on price

States with similar Gold premiums

Missouri
Avg $492
31 Gold plans
Michigan
Avg $516
29 Gold plans
Oregon
Avg $516
18 Gold plans
Common questions

New Hampshire Gold plans, answered

What are the copays on a New Hampshire Gold plan?
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. Across the 34 Gold plans in New Hampshire, deductibles average $1,626 and the out-of-pocket maximum averages $7,200. 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 — averaging $1,626 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 a New Hampshire Gold plan?
The average across all 34 Gold plans in New Hampshire is $1,626, with an average out-of-pocket maximum of $7,200. The range within the 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 5 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 New Hampshire Marketplace plan?
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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