Medicare in New Hampshire serves about 320,000 beneficiaries, with 34% enrolled in Medicare Advantage and the remainder on Original Medicare + Medigap. Average Medigap Plan G premium for a new 65-year-old enrollee: $168/mo. Stand-alone Part D plans average $44/mo.
Medicare Beneficiaries
320,000
Age 65+ and disabled
MA Enrollment
34%
% on Medicare Advantage
Avg Medigap Plan G
$168/mo
New enrollee, age 65
| Topic | Detail | Notes |
|---|---|---|
| Medicare Advantage plans available | 20+ | Varies by county; check medicare.gov plan finder |
| Top MA carriers | UnitedHealthcare, Aetna/CVS, Martin's Point Health Care | Networks differ by county |
| Stand-alone Part D | $44/mo | Required if you have Original Medicare + Medigap |
| Annual guaranteed-issue Medigap switching | No (one-time 6-month window at 65) | No state annual GI rights; New Hampshire has one of the lowest MA enrollment rates in New England, and no state income tax affects retiree income planning. |
Medigap premiums vary by carrier, age, and ZIP code. The 2026 Part B premium is $202.90/month and Part B deductible is $283. Part D out-of-pocket cap is $2,100 in 2026.
New Hampshire's Medicare beneficiaries enjoy a meaningful geographic advantage: proximity to Boston's world-class health systems — Mass General Brigham, Dana-Farber, Brigham and Women's — which are accessible under Original Medicare. This proximity to Massachusetts' academic medicine is one reason NH's MA enrollment is relatively low at about 34%. Martin's Point Health Care, the Maine-based integrated care organization, also serves New Hampshire beneficiaries and is a quality-rated local option. Within New Hampshire, Dartmouth Health (formerly Dartmouth-Hitchcock) and Catholic Medical Center are the major systems. The Manchester and Nashua metro areas offer the most competitive MA plan markets.
Medigap Plan G premiums in New Hampshire average about $168/month — higher than most of the country but reflective of the New England cost environment. New Hampshire has no state-level annual Medigap switching protections, making the 6-month open enrollment at 65 particularly important. New Hampshire's lack of a state income tax makes it an attractive retirement destination for high-income individuals from Massachusetts, but these retirees still face federal IRMAA surcharges on Medicare premiums. The state's Live Free or Die ethos means fewer state insurance mandates overall, relying primarily on federal Medicare protections.
In New Hampshire, traditional Medicare combined with a Medigap supplement (typically Plan G or N) plus a stand-alone Part D plan provides nationwide access with predictable costs. Plan G covers everything except the $283 Part B deductible.
Medicare Advantage (Part C) plans bundle Medicare Parts A, B, and usually D into one private plan, often with $0 premium beyond Part B. Trade-offs include network restrictions and prior authorization. 34% of New Hampshire beneficiaries currently choose MA.
No state annual GI rights; New Hampshire has one of the lowest MA enrollment rates in New England, and no state income tax affects retiree income planning.
💡 New Hampshire Pro Tip
New Hampshire beneficiaries in the Manchester and Nashua areas typically have access to 20 or more Medicare Advantage plans. Concord and the Lakes Region generally offer 15 to 25 options. Northern NH's White Mountains and North Country have fewer options, and many residents there rely on Original Medicare with Medigap or access care through Vermont or Maine facilities.
The average Medigap Plan G premium for a 65-year-old in New Hampshire is approximately $168 per month, consistent with New England's higher healthcare cost environment. Given NH's proximity to Boston's academic medical centers, Medigap is a popular choice for beneficiaries who want unrestricted access to MA hospitals.
New Hampshire does not have a birthday rule or annual guaranteed-issue protections for Medigap. Outside your 6-month initial open enrollment window at 65 or qualifying federal events, carriers can apply medical underwriting. NH residents who travel to Massachusetts for care should confirm their Medigap plan covers out-of-state services — which standard plans do under federal law.
Beneficiary counts and MA enrollment percentages from CMS state-level Medicare data; premium averages from 2026 carrier rate filings for New Hampshire. Verify current plan costs at medicare.gov before enrolling.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed May 2026
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