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New Hampshire · 2026 plan year

Silver health insurance plans in New Hampshire (2026)

There are 16 Silver plans on the New Hampshire Marketplace from 4 insurers, and they are not interchangeable — premiums run from $304 to $547 a month for the same metal tier. Here is what separates them.

16
Silver plans
4
Insurers
5
Counties covered
$304
Cheapest premium
$5,950
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 Silver premiums rank 1st cheapest of 35.

Averaged across all 16 plans, Silver coverage in New Hampshire costs $377 a month before subsidies — 1st 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 Silver plan costs in New Hampshire in 2026

Across all 16 Silver plans in New Hampshire, monthly premiums run from $304 to $547, averaging $377. 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

Silver plan deductibles in New Hampshire

Silver deductibles in New Hampshire run from $0 to $7,000, with a median of $5,950 across all 16 plans — 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 $5,113 because the spread is not symmetric. Some New Hampshire Silver plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. 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

Silver out-of-pocket maximums in New Hampshire

Individual out-of-pocket maximums on New Hampshire Silver plans run from $6,000 to $10,600, with a median of $8,875. 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 Silver plans in New Hampshire

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
WellSense Clarity NH Silver 3400 + $0 Rx List + 24/7 Nurse AdviceWellSense Health Plan$304$3,400$10,600
WellSense Clarity NH Silver 6000 + $0 Rx List + 24/7 Nurse AdviceWellSense Health Plan$304$6,000$8,900
WellSense Clarity NH Silver 0 Deductible + $0 Rx List + 24/7 Nurse AdviceWellSense Health Plan$305$0$10,250
Anthem Silver Pathway X Enhanced 6000/40% ($0 Virtual PCP + $0 Select Drugs) StandardAnthem Blue Cross and Blue Shield$324$6,000$8,900
Anthem Silver Pathway X Enhanced 5500/20% ($0 Virtual PCP + $0 Select Drugs)Anthem Blue Cross and Blue Shield$344$5,500$8,500

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

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Ambetter from NH Healthy Families6$347$356$5,950–$7,000
Anthem Blue Cross and Blue Shield4$324$348$4,000–$6,000
Harvard Pilgrim Health Care3$513$530$3,500–$6,000
WellSense Health Plan3$304$304$0–$6,000
Other tiers in New Hampshire

How Silver compares to the rest

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

All New HampshireMarketplace plans →

Nearby on price

States with similar Silver premiums

Indiana
Avg $421
30 Silver plans
South Carolina
Avg $431
53 Silver plans
Common questions

New Hampshire Silver plans, answered

What are the copays on New Hampshire Silver 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 Silver plans in New Hampshire, out-of-pocket maximums run $6,000 to $10,600, and deductibles on all 16 plans run $0 to $7,000. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Silver plan in New Hampshire?
Anyone eligible to buy Marketplace coverage in New Hampshire can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($377 a month on average) is higher than Gold in some states.
What is the deductible on New Hampshire Silver plans?
Silver deductibles in New Hampshire run from $0 to $7,000 across all 16 plans, with a median of $5,950 — that median is the figure closest to a typical plan. Out-of-pocket maximums run $6,000 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 Silver plans available in my New Hampshire county?
Silver 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 Silver premiums in New Hampshire start at $304 a month before any subsidy.

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