Compare 2026 health insurance in New Hampshire. HealthCare.gov, top carriers, metro networks, and a New Hampshire-licensed agent — free.
We are not a New Hampshire state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
New Hampshire uses the federal marketplace at HealthCare.gov. About 66,000 residents are enrolled, and roughly 55% qualify for a premium subsidy — a lower share than many states, which reflects the state's higher incomes, so it's worth running your exact numbers rather than assuming you won't qualify.
The 2026 carriers are Anthem (its on-exchange plans are branded Matthew Thornton Health Plan), Harvard Pilgrim, and WellSense; Ambetter is confirmed exiting after 2026. Care around Manchester and Nashua splits among SolutionHealth (Elliot and Southern NH), Catholic Medical Center, and Dartmouth Health's regional affiliates, while the Seacoast leans on Mass General Brigham's Wentworth-Douglass. No plan carries all of them.
We're licensed in New Hampshire and quote its carriers directly. Below is how coverage works here — including where short-term plans can bridge a gap — plus the metros and situations we help with most.
New Hampshire uses the federal marketplace, HealthCare.gov, for individual ACA enrollment.
New Hampshire expanded Medicaid (Granite Advantage), covering adults up to 138% of the poverty line, which sets the floor below which marketplace subsidies don't apply.
These companies offer individual and family health plans in New Hampshire. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Bridge coverage that can start as soon as tomorrow — for the gap between jobs, plans, or enrollment periods.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
No. New Hampshire uses the federal marketplace at HealthCare.gov. A licensed New Hampshire agent can enroll you in those same plans at no extra cost and also show you private off-marketplace options HealthCare.gov doesn't list.
It depends on income — only about 55% of enrollees here get a subsidy, so for some a subsidized marketplace plan is cheapest and for others an off-marketplace or short-term option fits better. We run both for your exact situation.
Yes. New Hampshire allows short-term plans of up to six months with no renewals, capped at 540 days over any 24-month period. They can bridge a gap but don't cover pre-existing conditions, so we'll compare one against a subsidized plan before you commit.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.