The Health Insurance Marketplace

Open Enrollment for 2027

Eligible New Hampshire residents can enroll in, renew, or change health insurance through the federal Marketplace at HealthCare.gov during Open Enrollment, November 1, 2026–January 15, 2027.

Choose a plan by December 15, 2026, for coverage starting January 1, 2027. Plans selected December 16 through January 15 generally begin February 1, 2027. Pay your first premium by your insurance company’s deadline for coverage to take effect.

Which Insurance Companies Offer Coverage?

For 2027, New Hampshire’s Marketplace insurers are Anthem, WellSense, and Harvard Pilgrim Health Care. Available plans and premiums vary by location, benefits, and household circumstances.

Ambetter from NH Healthy Families is leaving New Hampshire’s Marketplace after December 31, 2026. If you have an Ambetter Marketplace plan, review your notices and select replacement coverage by December 15 to avoid a gap in January. This departure does not affect NH Healthy Families Medicaid coverage or Wellcare Medicare prescription drug plans.

Is Financial Assistance Available?

Premium tax credits remain available to eligible households, but the enhanced ACA subsidies extended under the Inflation Reduction Act expired December 31, 2025. Those expanded savings are no longer available under current law.

Update your Marketplace application with your expected 2027 household income and household size to find out what assistance you qualify for. Eligible households may also receive cost-sharing reductions, which lower deductibles, copayments, and coinsurance when they enroll in a Silver Marketplace plan.

You can enroll through HealthCare.gov or with help from a qualified insurance agent or broker. Financial assistance requires enrollment in Marketplace coverage. Plans purchased outside the Marketplace do not qualify for premium tax credits or Marketplace cost-sharing reductions.

Review Your Options Before Renewing

Even if you are satisfied with your current coverage, update your application and compare 2027 plans. Premiums, benefits, provider networks, and prescription coverage can change each year.

Whether you are uninsured, replacing a discontinued plan, or looking for a better fit, compare your available options before making a decision.

Free Enrollment Help Is Available

Navigators provide free, unbiased assistance with comparing plans, completing applications, and checking eligibility for financial assistance, Medicaid, or CHIP.

The Trump administration sharply reduced federal navigator funding. New Hampshire’s federal navigator grant fell from $1.5 million in 2024 to $115,000 annually in 2025 and 2026—about a 92 percent reduction. Free assistance remains available; contact the program early to arrange help.

• NH Navigator: newhampshirenavigator.com

• Call: 1-877-211-NAVI (1-877-211-6284)

• Find local enrollment assistance: localhelp.healthcare.gov

• Marketplace Call Center: 1-800-318-2596; TTY: 1-855-889-4325

Small business owners can learn about coverage options and employer responsibilities through HealthCare.gov’s small business resources.

What Kinds of Plans Are Available?

Marketplace plans are grouped into metal categories based on how you and the insurer share the cost of covered care. These categories do not indicate the quality of care.

Plan categoryInsurer pays, on averageMembers pay, on averageBronze60%40%Silver70%30%Gold80%20%

These percentages describe average costs across a covered population, not what you will pay for each medical bill. Your actual costs depend on the plan’s deductible, copayments, coinsurance, and covered services.

If you qualify for cost-sharing reductions, an eligible Silver plan pays a greater share of covered costs and may offer better value than another metal category.

What to Consider When Choosing a Plan

Compare the full cost of coverage and how well each plan meets your needs:

• Monthly premium: What you pay each month to maintain coverage.

• Deductible: What you pay for certain covered services before the plan begins sharing those costs.

• Copayments and coinsurance: Your share of costs when you receive care.

• Out-of-pocket maximum: The most you pay in a year for covered, in-network services, excluding premiums.

• Provider network: Whether your doctors, hospitals, and specialists participate.

• Prescription coverage: Whether your medications are covered, their cost, and any approval requirements.

If you expect frequent appointments, ongoing treatment, or regular prescriptions, compare plans with lower costs when you receive care. If you expect fewer services, weigh the savings from a lower premium against what you could afford if you become sick or injured.

The plan with the lowest monthly premium may not have the lowest total annual cost.

5 Facts you need to know:

1. Open enrollment on the Health Insurance Marketplace lasts until December 15 on HealthCare.gov. Beat the rush and sign up early.

2. No matter if this is your first time getting covered or you are returning to shop and save, you must take action by December 15.

3. Those who choose to go without health insurance may have to pay a penalty.

4. Coverage could be more affordable than you think - and there is a possibility to receive financial help. Last year, 8 in 10 people qualified for financial help - for most people, that meant they could find premiums between $50 and $100 per month.

5. Free help is available. If you have questions about signing up or want to talk through your options with a trained professional, free help is just a call or click away. Call 1-800-318-2596 or click here to get local help.