Best Medicare Supplement Plans in New Hampshire 2026
New Hampshire has over 130,000+ Medigap enrollees. Plan G starts at $180/mo in Manchester and averages $246/mo statewide. We compared 15+ carriers to find the best coverage in the Granite State.
New Hampshire Has No Birthday Rule: Your Initial Plan Choice Matters
Unlike California, Oregon, and other states with birthday rules, New Hampshire does not give you an annual window to switch Medigap carriers without underwriting. Once your 6-month Open Enrollment Period ends, you will face health questions if you try to change plans. Compare carriers carefully before you enroll and consider long-term rate stability, not just today's lowest premium.
New Hampshire has over 130,000 residents enrolled in Medicare Supplement Insurance, also called Medigap. The state follows standard federal Medigap rules, offering plans A through N with no state-specific modifications. Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026).
New Hampshire does not have a birthday rule or anniversary rule, which means your 6-month Open Enrollment Period when you first turn 65 and enroll in Part B is your best and most important opportunity to lock in coverage. After that window closes, carriers can use medical underwriting to deny your application or charge higher premiums based on your health history.
Plan G premiums in Manchester range from $180/mo (Anthem) to $267/mo (AARP/UHC) for a 65-year-old. Most New Hampshire carriers use issue-age pricing, which locks your premium at your enrollment age. This makes New Hampshire one of the more favorable states for long-term Medigap cost stability. State Farm stands out with an A++ AM Best rating and a large local agent network across Manchester, Concord, and Nashua.
Compare the Best Medicare Supplement Plans in New Hampshire
Our top-rated Medigap carriers in New Hampshire, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Manchester. Rates in Concord, Nashua, and Portsmouth may vary slightly.
Anthem Blue Cross Blue Shield
Plan G
$180/mo
Plan N
$N/A/mo
AM Best
A (Excellent)
Anthem offers the lowest Plan G rate in New Hampshire at $180/mo, which is 27% below the state average of $246. Anthem uses issue-age pricing, locking your premium at your enrollment age. Available plans include A, F, G, and N.
State Farm
Plan G
$186/mo
Plan N
$144/mo
AM Best
A++ (Superior)
State Farm earns the highest possible AM Best rating (A++) and offers local agents across Manchester, Concord, Nashua, and rural New Hampshire. Plan G at $186/mo is only $6 more than Anthem but comes with in-person service and the best financial strength rating in the industry.
First Health Life and Health
Plan G
$258/mo
Plan N
$129/mo
AM Best
A- (Excellent)
First Health offers the lowest Plan N in New Hampshire at $129/mo (31% below average) and the lowest Plan F at $250/mo. If you want Plan N to save on premiums or are eligible for Plan F, First Health is the price leader. Issue-age pricing keeps rates stable over time.
Mutual of Omaha
Plan G
$191/mo
Plan N
$140/mo
AM Best
A+ (Superior)
Mutual of Omaha is the most widely recognized Medigap brand in the country. Plan G at $191/mo is competitive, and the company is known for consistent rate increases and strong customer service. A+ AM Best rating provides excellent financial security.
Transamerica
Plan G
$244/mo
Plan N
N/A/mo
AM Best
A (Excellent)
Transamerica is the only carrier in New Hampshire offering all 10 standardized Medigap plan types. It offers the lowest Plan L at $161/mo and Plan M at $199/mo in the state. Issue-age pricing keeps rates stable over time.
Medicare Supplement Prices in New Hampshire
Sample monthly premiums from top carriers in Manchester for a 65-year-old female nonsmoker. Most New Hampshire carriers use issue-age pricing, which locks your rate at your enrollment age.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Anthem BCBS | $180 | $N/A | $254 |
| State Farm | $186 | $144 | $258 |
| Mutual of Omaha | $191 | $140 | $291 |
| AFLAC | $200 | $154 | $251 |
| Harvard Pilgrim | $201 | N/A | N/A |
| SilverScript | $216 | $145 | $252 |
| Transamerica | $244 | N/A | N/A |
| First Health | $258 | $129 | $250 |
| AARP / UHC | $267 | N/A | N/A |
Source: NH Insurance Department, FairSquare Medicare, MoneyGeek, May 2026. Rates shown for a 65-year-old female nonsmoker in Manchester.
Plan G vs. Plan N in New Hampshire
Plan G and Plan N are the two most popular Medigap plans for new enrollees in New Hampshire. Plan G offers more complete coverage; Plan N costs less each month but includes small copays.
| Benefit | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Manchester) | $180-$191 | $129-$144 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission. New Hampshire allows excess charges, so Plan N enrollees should confirm their doctors accept Medicare assignment.
New Hampshire has no birthday rule, so your initial enrollment decision is the most important one you will make. Most carriers in New Hampshire use issue-age pricing, which is a major advantage over states dominated by attained-age pricing. Enrolling at 65 locks in your rate, and it will only increase due to general inflation, not because you are getting older. Anthem at $180/mo is the lowest Plan G, but State Farm at $186/mo with an A++ rating is worth the extra $6/mo for the financial strength and local agent access. If you want Plan N, First Health at $129/mo is the price leader. Call NH SHIP at (800) 852-3416 for free, unbiased help comparing plans.
New Hampshire Medigap Rules You Should Know
No Birthday Rule in New Hampshire
New Hampshire does not have a birthday rule. Once your 6-month Open Enrollment Period ends, you will face medical underwriting if you try to switch carriers or plans. Your initial enrollment decision is the most important one you will make.
Issue-Age Pricing is the Dominant Pricing Method
Most New Hampshire carriers use issue-age pricing, which locks your premium at your enrollment age. This is more favorable than attained-age pricing, which increases as you get older. Enrolling at 65 locks in the lowest possible rate.
Open Enrollment Period: 6 Months Starting at 65
Your Medigap Open Enrollment Period begins the month you turn 65 and enroll in Medicare Part B. During this 6-month window, no carrier can deny you coverage or charge higher rates due to health conditions.
Guaranteed Issue Rights Apply in Specific Situations
Outside of Open Enrollment, you may still have guaranteed issue rights if you lose employer coverage, move out of a Medicare Advantage service area, or your current plan leaves the market. These rights allow you to enroll without underwriting.
Plan F Closed to New Enrollees Since 2020
Plan F is only available if you were eligible for Medicare before January 1, 2020. New enrollees must choose Plan G (which covers everything except the Part B deductible) or another available plan.
NH Insurance Department Rate Dashboard Available
The New Hampshire Insurance Department publishes an interactive rate comparison dashboard at insurance.nh.gov. You can filter by plan type, carrier, and ZIP code to compare official DOI-approved rates before enrolling.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best Rating)
AM Best ratings from A++ to A- indicate the carrier's ability to pay claims. We weight this heavily because Medigap is a long-term product.
Premium Competitiveness
Plan G and Plan N rates compared to the New Hampshire state average. Lower premiums relative to the market earn higher scores.
Customer Satisfaction and Complaint Ratio
NAIC complaint index scores and J.D. Power ratings. Lower complaint ratios indicate better claims handling and customer service.
Pricing Method Stability
Issue-age and community-rated plans score higher than attained-age plans because premiums are more predictable over time.
Plan Availability and Discounts
Carriers offering more plan types and household discounts (typically 5-7% for two people in the same household) score higher.
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, NH Insurance Department, FairSquare Medicare
Frequently Asked Questions
Free Medicare Counseling in New Hampshire
The New Hampshire SHIP (State Health Insurance Assistance Program) provides free, unbiased Medicare counseling from certified volunteers. Call (800) 852-3416 or visit insurance.nh.gov to connect with a counselor in your area. SHIP counselors can help you compare plans, understand your enrollment rights, and navigate the Medicare system at no cost.
Find the Best Medigap Rate in Your New Hampshire ZIP Code
New Hampshire has no birthday rule, so your Open Enrollment Period is your best chance to lock in coverage without health questions. Plan G starts at $180/mo in Manchester. Most carriers use issue-age pricing, so enrolling at 65 gives you the lowest possible rate for life.