Medicare Advantage Plans in New Hampshire 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
New Hampshire has about 35 percent of Medicare beneficiaries in Advantage plans. The Nashua and Manchester areas have the most options, partly due to their proximity to the competitive Massachusetts market. The North Country around the White Mountains and the Connecticut River Valley have limited plan availability.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in New Hampshire.
Rural Coverage Note
Parts of New Hampshire have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a New Hampshire Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in New Hampshire
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in New Hampshire
New Hampshire's Medigap market benefits from its proximity to Massachusetts, where several strong carriers also offer plans in New Hampshire. Pricing is generally competitive in the southern part of the state.