Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Not a 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.
Every ACA marketplace plan sold in New Hampshire is guaranteed-issue and covers pre-existing conditions, preventive care, prescriptions, maternity, mental health and the rest of the ten essential health benefits. Plans are grouped into metal tiers — Bronze (lowest premium, highest out-of-pocket), Silver (the tier subsidies are calculated against, and the only tier eligible for cost-sharing reductions), Gold and Platinum.
The premium tax credit is what makes marketplace coverage affordable. It's based on your household income relative to the cost of the benchmark Silver plan where you live, so two families with the same income can get very different credits depending on their ZIP code. A licensed agent runs that math with you before you enroll — there is no charge, and the plan price is identical to enrolling on your own.
If your income lands between roughly 100% and 250% of the federal poverty level, a Silver plan also unlocks cost-sharing reductions that quietly lower your deductible and copays. Most people never realize they're leaving that on the table by picking Bronze on price alone. That's the kind of thing a good agent catches.
New Hampshire does not run its own exchange — marketplace plans here are sold through the federal marketplace, HealthCare.gov. In practice that means the enrollment windows, the eligibility rules and the appeals process are the federal ones, and the plan you buy through a licensed agent is the identical plan at the identical price you would find on HealthCare.gov yourself. New Hampshire uses the federal marketplace, HealthCare.gov, for individual ACA enrollment.
In New Hampshire the premium tax credit does the work for households above roughly 138% of the federal poverty level; below it the state's Medicaid expansion picks up, and a single application screens for both. For the above-poverty reader the practical point is simply to estimate income accurately — over-shrinking it at application is what accidentally routes people to Medicaid instead of the subsidized plan they were after. 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.
The carriers writing individual business in New Hampshire include Anthem Blue Cross Blue Shield (Matthew Thornton Health Plan), Harvard Pilgrim Health Care, WellSense Health Plan. Networks and pricing are set county by county rather than statewide, so the same carrier can be the best value in one metro and the wrong choice an hour away. We quote Manchester, Nashua and Portsmouth & the Seacoast — and every county in between.
Don't see yours? Call a licensed agent — most answers take under two minutes.
Yes. We help New Hampshire residents compare ACA marketplace options against the alternatives so you can see the real trade-offs before you enroll.
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.
Through HealthCare.gov, the federal marketplace — New Hampshire does not run its own exchange. You can enroll in those same plans through a licensed agent at no extra cost, which also lets you see private off-marketplace plans that HealthCare.gov does not list.
The carriers writing individual business in New Hampshire include Anthem Blue Cross Blue Shield (Matthew Thornton Health Plan), Harvard Pilgrim Health Care, WellSense Health Plan. Which of them is actually competitive depends on your county rather than the state — the lineup and the networks in Manchester are not the lineup in Portsmouth & the Seacoast. We are independent and compare across all of them rather than steering you to one company.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.