New Hampshire Medigap plans (also called Medicare Supplement plans) cover the gaps in Original Medicare, including deductibles, copays, and coinsurance that would otherwise come out of your pocket. This comprehensive New Hampshire Medigap guide covers available plans, average premiums, top carriers, the birthday rule, guaranteed issue rights, and how to choose between Plan G, Plan N, and other options. Whether you are approaching your initial Medigap Open Enrollment or considering a plan switch, understanding New Hampshire Medigap rules helps you make a confident decision.
All information verified against CMS data and state sources as of April 2026.
In This New Hampshire Medigap Guide:
Medigap Plans Available in New Hampshire
Standardized plans: A, B, C, D, F, G, K, L, M, N
Every Medigap plan with the same letter provides identical benefits regardless of which carrier sells it. Plan G from one company covers the exact same medical costs as Plan G from another company. The only difference is the premium and the customer service experience. This standardization makes comparison shopping straightforward.
Plan F: Still available in New Hampshire for beneficiaries who became eligible for Medicare before January 1, 2020. Plan F covers all gaps including the Part B deductible. New enrollees after 2020 cannot purchase Plan F.
High-Deductible Plan G: Available in New Hampshire. You pay a higher annual deductible before benefits kick in, but monthly premiums are significantly lower than standard Plan G.
New Hampshire Medigap Rates: Plan G & Plan N
| Plan | Age 65 | Age 70 | Age 75 |
|---|---|---|---|
| Plan G | $246/mo | Varies | Varies |
| Plan N | $191/mo | Varies | Varies |
These are approximate averages. Your actual premium depends on your carrier, zip code, age, gender, and tobacco use. Always compare quotes from at least three carriers before choosing.
How New Hampshire Medigap Pricing Works
New Hampshire uses issue-age-rated Medigap pricing. Your premium is based on your age when you first purchase the policy. Premiums may increase over time due to inflation but not solely because of aging. Buying earlier means a lower starting premium.
Household discount: Many Medigap carriers in New Hampshire offer 5-12% household or spousal discounts when two people in the same household both have Medigap policies.
Tobacco surcharge: Tobacco users in New Hampshire typically pay approximately 10 percent on average though varies by carrier more in Medigap premiums.
Plan G vs Plan N in New Hampshire
Plan G and Plan N are the two most popular Medigap plans in New Hampshire. Here is how they compare:
| Feature | Plan G | Plan N |
|---|---|---|
| Part B Deductible | Not covered (you pay $240/year in 2026) | Not covered |
| Part B Copay | Covered (no copays) | Up to $20 copay for office visits, up to $50 for ER visits not resulting in admission |
| Part B Excess Charges | Covered | Not covered |
| Monthly Premium | Higher | Lower (typically 15-25% less than Plan G) |
| Best For | Predictable costs, no copays | Lower premiums, okay with small copays |
Bottom line: If you want the most comprehensive coverage with no copays at the doctor, choose Plan G. If you prefer lower monthly premiums and do not mind occasional $20 copays, Plan N offers strong coverage at a lower cost.
Top Medigap Carriers in New Hampshire
Top Medigap carriers in New Hampshire:
- Anthem
- AARP/UnitedHealthcare
- Aetna
- Mutual of Omaha
- Cigna
Anthem at 180 per month for a 65-year-old typically offers among the lowest Plan G premiums in New Hampshire. However, the cheapest carrier varies by zip code and age bracket.
When comparing Medigap carriers, the benefits are identical for the same plan letter. Focus on premium cost, AM Best financial strength rating (A or higher is strong), customer service reputation, and rate increase history.
New Hampshire Medigap Switching Rights
New Hampshire does not have a Medigap birthday rule. Your primary opportunity to buy or switch Medigap plans without medical underwriting is during your initial 6-month Medigap OEP.
Guaranteed Issue Rights in New Hampshire
Federal law provides guaranteed issue rights in specific situations where you can buy a Medigap plan without medical underwriting:
- Losing employer/union coverage
- Your Medicare Advantage plan leaves your area
- You joined an MA plan when first eligible and want to switch back within 12 months (trial right)
- Your Medigap carrier goes bankrupt
New Hampshire-specific guaranteed issue protections: Medigap plans available to disabled Medicare beneficiaries under age 65 during their six-month OEP, Medicare Advantage plan disenrollment or carrier exit (especially relevant in 2026 as Anthem and Martins Point exit NH Medicare Advantage market affecting approximately 77000 beneficiaries)
Additional New Hampshire Medigap rules: All Medigap plans must use issue-age pricing (premiums based on age at enrollment and do not increase due to aging). New Hampshire requires all Medigap insurers to offer plans to disabled Medicare beneficiaries under age 65. The NH Insurance Department regulates producer compensation through Insurance Rule Ins 1905.18 requiring commissions remain consistent after the first year. The state provides an interactive Medicare Supplement Rate Dashboard for consumer comparison shopping. In 2026 major Medicare Advantage carrier exits (Anthem and Martins Point) trigger guaranteed issue rights for affected beneficiaries switching to Medigap.
Common Medigap Mistakes in New Hampshire
- Missing your OEP: Your 6-month Medigap Open Enrollment Period is your best window. After it closes, carriers can deny you or charge higher premiums based on health.
- Choosing by carrier name alone: Medigap plans are standardized. A well-known brand’s Plan G costs more but covers the exact same benefits as a smaller carrier’s Plan G.
- Ignoring rate increase history: Some carriers offer low introductory rates then raise premiums aggressively. Ask for 5-year rate increase history before buying.
- Not comparing at least 3 carriers: Premium differences of 30-50% between carriers for the same plan letter are common.
- Confusing Medigap with Medicare Advantage: They are different products. You cannot have both simultaneously (except during limited trial rights).
Compare New Hampshire Medigap Rates
Ready to compare Medigap plans in New Hampshire? Use the official Medicare Plan Finder or contact your local SHIP counselor.
Official Sources & Resources
- Medicare.gov: medicare.gov
- New Hampshire Insurance Department: https://www.insurance.nh.gov
- NAIC Medigap Shopping Guide: naic.org
- CMS Medicare & You Handbook: Medicare & You (PDF)
Last verified April 2026. Contact us if you notice outdated information.