by Stephen Donohue NH Medicare Supplement Agent                    GET NH MEDIGAP QUOTE NOW
UPDATED 02/16/2026

2026 NH Medicare Supplement Plan G Review: Choosing the Best Medigap Plan in New Hampshire

Navigating Medicare Supplement Plans in New Hampshire (also known as NH Medigap) can be challenging, as the state features around 20 top-tier insurers offering various options. Finding the right NH Medicare Supplement Plan requires careful comparison of rates, stability, and carrier strength.
Here is a comprehensive review to guide you in making an informed decision for your 2026 coverage year. We focus heavily on NH Medicare Supplement Plan G, which is the most popular choice for new enrollees.

Key Factors in Our NH Medigap Review
Because Medicare Supplement Plans in New Hampshire follow standardized plan designs, the coverage for a specific plan (like Plan G) is identical regardless of the insurer. This means your comparison should center on cost and stability. Here is what our analysis of the five leading insurers covers:

• Plan Offerings: Detailed information on the specific Medigap plans available from each insurer.
• Carrier Financial Strength: An essential assessment of the financial stability (e.g., AM Best Rating) of each NH Medigap carrier.
• Added Benefits and Discounts: Exploration of additional perks and cost-saving opportunities, such as household discounts.
• Rate Stability: Analysis of NH Supplement Plan G rates for 2026, 2025, 2024, 2023, 2022, and 2021 to assess rate consistency and potential future premium trends.

Understanding Plan G Premiums in New Hampshire
Not all Medicare Supplemental Insurance companies are equal—even for the same standardized coverage. Costs vary significantly from one insurer to another. Some insurers offer lower rates for women and provide discounts if a spouse or household member also enrolls in a NH Medigap policy.
The factors that insurers consider when pricing Medicare Supplement Plans in NH include:

• Age
• Location
• Gender
• Payment Method
• Enrollment Date
• Tobacco Use

2026 Average NH Medicare Supplement Plan G Rates
​Based on rates from the top 10 insurers, the average Medicare Supplement Plan G premium (Age 65) in New Hampshire for 2026 is projected to be:

• Female Age 65: $203 per month
• Male Age 65: $229 per month

Compare Leading NH Medigap Insurers for 2026
Below is the 2026 review of SIX leading NH Medigap insurers  For the most detailed and current analysis of all available options, visit the New Hampshire Insurance Department’s official Medicare Supplement interactive dashboard.

Let our NH Medicare review help you make an informed choice for your 2026 NH Medicare Supplement plan!

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🥇 Anthem Blue Cross Blue Shield of NH Medicare Supplement Plan G Review

Anthem Blue Cross Blue Shield is the leading health insurance provider in New Hampshire and a dominant force in the NH Medicare Supplement market. Serving residents for over 90 years, Anthem offers a wide range of products including individual health insurance, employer groups, Medicare Advantage, Medicare Part D, and most importantly, top-rated NH Medigap plans.


Anthem NH Medicare Supplement Plan Offerings

Anthem’s Medicare Supplement plans (Medigap) are designed to cover healthcare costs that Original Medicare (Parts A and B) leave behind, ensuring peace of mind and protection for your budget. Key features of Anthem’s offering include:

• Flexibility: You can see any doctor or hospital in the U.S. that accepts Medicare patients.
• Portability: Your plan travels with you, even if you spend part of the year in a different location.
• Cost Protection: Anthem Medigap helps cover most out-of-pocket expenses, including copays, coinsurance, and deductibles.

Standardized Medigap Plans from Anthem NH

In New Hampshire, all Medicare Supplement Plans follow standardized designs. Anthem offers several popular standardized plans, ensuring consistent coverage no matter which insurer you choose.
Anthem offers the following primary NH Medigap plans:

• Plan G (Most Popular): Highly popular for its comprehensive coverage, paying for all out-of-pocket costs that Original Medicare doesn’t cover, except for the annual Part B deductible.
• Plan N (Lower Premium Option): Offers a lower premium in exchange for a few small copays and the annual Part B deductible.
• Plan F (Legacy Plan): The broadest coverage available, but only for those who were eligible for Medicare before January 1, 2020.
• Plan A (Basic Coverage): Covers essential costs like Part A inpatient hospital copayments and coinsurance, Part B coinsurance, hospice care, and preventive care.

Anthem's Financial Strength & Stability

Choosing an insurer with excellent financial strength ensures they can meet their long-term obligations to you.
Rating Agency              Rating   
A.M. Best Rating            A (Excellent)
S&P Rating                     A+

Anthem NH Medicare Supplement Plan G Rate Stability (2021-2025)

Anthem Blue Cross Blue Shield of NH has a strong record of rate stability. The company often maintains the same premiums year-over-year or implements only modest rate increases. This stability is a key factor when evaluating your NH Medigap Plan G choice.

Year      Female (Age 65)       Male (Age 65)
2021     $139.36/month         $153.48/month
2022     $145.72/month         $160.48/month
2023     $145.72/month         $160.48/month
2024     $152.96/month         $168.44/month
2025     $163.81/month         $180.37/month
2026     $184.54/month          $203.17/month
This is the second year in a row that  Anthem has the LOWEST Supplement G

Anthem NH Medigap Added Benefits & Discounts

Anthem provides several extra perks and cost-saving opportunities that add significant value to their NH Medicare Supplement Plans:

• 5% Household Discount: Lowers your premium if you live with another person who is enrolled in an Anthem NH Medicare Supplement plan.
• SilverSneakers® Fitness Membership: Access to over 17,000 fitness facilities across the U.S.
• Payment Discounts: Includes a $2 EFT/ACH Monthly Discount and an annual $48 Pay in Full Discount.
• ScriptSave/WellRx Program: Prescription savings program.
• Special Offers: Discounts on vitamins and weight loss programs.

Recognition
Anthem Blue Cross and Blue Shield in New Hampshire was voted the Best Health Insurance Provider for the seventh consecutive year by NH Business Review (March 2025).

​For personalized assistance with your Anthem NH Medigap enrollment, you can call Stephen Donohue at 1-888-882-2909, Monday to Friday, 8 a.m. to 8 p.m.

Aetna Health & Life Insurance Company NH Medicare Supplement Review
Aetna, a trusted name in the insurance industry, boasts over 30 years of experience in the Medicare Supplement market. With a strong track record of customer service and competitive rates, Aetna serves more than 36 million people nationwide across various insurance offerings. Let’s delve into the specifics of Aetna’s Medicare plans in New Hampshire:
​
Medicare Supplement Plans (Medigap)Aetna offers a range of Medigap plans to complement Original Medicare (Parts A and B). These plans help cover the gaps in your healthcare expenses, providing peace of mind and financial protection. Here are the key details:

1. Plan Options: Aetna provides the following Medigap plans in New Hampshire:
   • Plan A: Basic coverage for essential benefits.
   • Plan B: Similar to Plan A, with additional coverage.
   • Plan F: Comprehensive coverage, including deductibles, copayments, and coinsurance (available only to those eligible for Medicare before January 1, 2020).
   • High Deductible F
   • Plan G: Popular for its robust coverage, excluding the Medicare Part B deductible.
   • Plan N: Offers lower premiums with some copays and a small annual deductible.
2. Financial Strength:
   • AM Best Rating: A (Excellent)
   • S&P Rating: BBB+
3. Rates for Plan G (Age 65):
   • 2021:  Female: $146.33/month    Male: $168.43/month
   • 2022:  Female: $158.19/month    Male: $181.93/month
   • 2023:  Female: $170.85/month    Male: $196.50/month
   • 2024:  Female: $186.26/month    Male: $214.16/month
   • 2025:   Female: $212/month    Male: $214.16/month
   • 2026   Female   $211/month     Male: $234/month     
     

Discounts Offered:

• Aetna provides a 7% Household Discount in New Hampshire.
• ACCENDO, a division of Aetna, may offer a 15% household discount (for more information, call us!).

1. Other Notes:
   • Aetna is one of the few NH Medigap insurers that charge a $20 application fee.

For personalized assistance or to apply for Aetna NH Medicare plans, please contact Steve Donohue at 603-882-2909.

Harvard Pilgrim Healthcare NH Medicare Supplement Review
Harvard Pilgrim Healthcare, operating under the name HPHC Insurance Company in New Hampshire, is a regional insurer with a strong presence in NH, MA, ME, and CT. Similar to Anthem, Harvard Pilgrim Healthcare provides health insurance options for individuals, small and large employer groups, as well as Medicare Supplement and Medicare Advantage Plans.

With over 35 years of experience serving Medicare beneficiaries, Harvard Pilgrim offers reliable coverage and a range of plan options. Medicare Supplement Plans (Medigap)Harvard Pilgrim offers several Medigap plans to compliment Original Medicare. These plans help cover the gaps left by Medicare, ensuring you have comprehensive coverage. Here are the key details:

1. Plan Options:
   • Plan A: Basic coverage for essential benefits.
   • Plan F: Comprehensive coverage, including deductibles, copayments, and coinsurance (available only to those eligible for Medicare before January 1, 2020).
   • Plan G: Popular for its robust coverage, excluding the Medicare Part B deductible $240 in 2024.
   • Plan M: Offers moderate coverage.
   • Plan N: has  some copays and a small annual deductible $240.
2. Rates for Plan G (Age 65):
   • 2021: $155/month (same rate for both males and females)
   • 2022: $160/month (same rate for both males and females)
   • 2023: $174/month (same rate for both males and females)
   • 2024: $196/month (same rate for both males and females)
   • 2025: $201/month (same rate for both males and females)
   • 2026: $256/month (same rate for both males and females)
3. Discounts: Harvard Pilgrim Healthcare offers a variety of discounts and rewards including:
   • Fitness Club Reimbursement
   • 35% off eyeglasses

For more information or to apply for Harvard Pilgrim NH Medicare plans, please contact Stephen Donohue at 603-882-2909.

NH CIGNA Medicare Supplement Review
CIGNA, a well-known health insurance provider, offers Medicare Supplement plans in New Hampshire under the name CIGNA or  Loyal American Life Insurance Company. Here are the key details:
Medicare Supplement Plans (Medigap)

1. CIGNA provides the following Medigap plans in NH:
   • Plan N: Offers lower premiums with some copays and a small annual deductible. (Note: Plan F is also available for those who still qualify.)
   • Plan G: Comprehensive coverage, excluding the Medicare Part B deductible.
   • Plan A: Basic coverage for essential benefits.
2. Rates for Plan G (Age 65):
   • 2021:  Female: $166.78/month    Male: $185.13/month
   • 2022:  Female: $166.78/month    Male: $185.13/month
   • 2023:  Female: $166.78/month    Male: $185.13/month
   • 2024:  Female: $178/month         Male: $198/month
   • 2025: n/a
   • 2026:  Female: $219.66/month         Male: $243.82/month
3. Financial Strength:
   • AM Best Rating: A (Excellent)
   • S&P Rating: A
4. Years in NH Medicare Market: 10+ years
5. Discounts:

• CIGNA offers up to a 6% household discount.
• Explore CIGNA’s Healthy Rewards program for savings on vitamins, vision and hearing care, health clubs, alternative medicine, weight management, and more.

NH Medicare Plans: UnitedHealthcare® Medicare Supplement Plans in New Hampshire - A Comprehensive Review
UnitedHealthcare® is a leading provider of Medicare Supplement (Medigap) plans across the United States. In New Hampshire (NH), they serve as the exclusive provider of Medicare Supplement plans. Here’s a comprehensive review of their offerings:
Plan OptionsUnitedHealthcare® offers a variety of Medigap plans in NH, including:

• Medigap Plan A: Covers essential gaps in Original Medicare such as hospital copayments and coinsurance.
• Medigap Plan B: Adds coverage for Part A deductibles.
• Medigap Plan K: Covers 50% of most Medicare-related expenses.
• Medigap Plan L: Covers 75% of most Medicare-related expenses.
• Medigap Plan G: Offers comprehensive coverage for out-of-pocket costs not covered by Original Medicare, except for the Part B deductible.
• Medigap Plan N: Offers lower premiums with some copays and a small annual deductible.
• Plan F: Available only for those eligible before January 1, 2020, offering the broadest coverage.

Financial StrengthUnitedHealthcare® boasts strong financial stability:

• AM Best Rating: A (Excellent)
• S&P Rating: AA-
• Years in NH Medicare Market: 25+

Premium Rates for Plan G (Age 65)Here’s a breakdown of monthly premium rates for Plan G:

• 2021: Female - $181.50/month, Male - $181.50/month
• 2022: Female - $139.50/month, Male - $156.50/month
• 2023: Female - $147.75/month, Male - $165.75/month
• 2024: Female - $147.75/month, Male - $174.25/month
• 2025: Female - $167.50/month, Male - $188.25/month
• 2026: Female - $207.95/month, Male - $221.75/month

Discounts
UnitedHealthcare® offers several discounts, including:

• 7% Household Discount: Available on Medicare Supplement plans in NH.
• EFT Discount: Lower rates when you pay via Electronic Funds Transfer.

​
Humana
Here is the updated review for Humana ( written under Emphesys or Humana Achieve ) in New Hampshire, following the format you requested.

Humana is a top-tier provider of Medicare Supplement (Medigap) plans, known for its high customer satisfaction and competitive pricing. In New Hampshire, Humana offers its Humana Achieve line, providing Granite Staters with robust coverage options backed by a name they trust.

Plan Options
Humana offers a strategic selection of Medigap plans in NH designed to fit various budgets:

• Medigap Plan A: Covers the essentials, including hospital coinsurance and the 20% Part B coinsurance.
• Medigap Plan B: Provides the same coverage as Plan A while also covering the Medicare Part A deductible.
• Medigap Plan G: The most popular choice for new enrollees. It covers 100% of out-of-pocket costs except for the annual Part B deductible ($283 in 2026).
• High-Deductible Plan G: A budget-friendly option for those who want lower monthly premiums in exchange for a higher deductible ($2,950 in 2026).
• Medigap Plan N: Features lower premiums with small copays ($20 for some office visits; $50 for ER visits) and requires the Part B deductible to be met.
• Plan F: Still available for those who were eligible for Medicare prior to January 1, 2020. It offers the most comprehensive coverage, including the Part B deductible.

Financial Strength
Humana maintains strong financial ratings, ensuring long-term stability for policyholders:

• AM Best Rating: A (Excellent)
• S&P Rating:  A-
• Years in NH Medicare Market: 10+

Premium Rates for Plan G (Age 65)Humana's rates are highly competitive in the New Hampshire market. Here is a breakdown of estimated monthly premium rates for a non-tobacco user at age 65:


Rate History for Age 65 – Female vs. Male
Year               Female (Age 65)          Male (Age 65)  
2025               $197.92 / month             $223.39 / month
2026               $217.57 / month             $245.53 / month

IMPORTANT NOTE ABOUT HUMANA's NH Medicare Supplement pricing- HUMANA does offer some of the LOWEST RATES IN THE STATE of NH for SUPPLEMENT N and HIGH DEDUCTIBLE G 

Discounts
Humana offers some of the most generous discounts available in the state to help lower your monthly costs:

• 12% Household Discount: This is one of the highest in NH. It applies when two people living in the same household both hold a Humana Medicare Supplement policy.
• Online Enrollment Discount: You may be eligible for a 6% monthly discount for the first 12 months simply by enrolling through an online portal.
• EFT Discount: Enjoy additional savings by setting up automatic monthly payments via Electronic Funds Transfer.
• Some plans offer SILVER SNEAKERS- call or email us for more info.

Personalized Assistance
For personalized assistance with NH Medicare Supplement or NH Medicare Advantage plans, contact Stephen Donohue at Atlantic Insurance. Call 603-882-2909 to schedule a Medicare coverage consultation.


Note: This communication serves as a solicitation for Medicare insurance.
Stephen Donohue is a licensed Medicare Supplement Insurance broker licensed in NH, MA, ME, RI, and NY.


​GET NH MEDICARE SUPPLEMENT QUOTE NOW

by Stephen Donohue Anthem NH Medicare Supplement Broker

If you’re comparing Medicare Supplement (Medigap) plans in New Hampshire, Anthem Blue Cross Blue Shield continues to stand out as one of the strongest, most reliable options for 2026. Below are seven compelling reasons why so many NH residents choose Anthem for their Medicare Supplement coverage.

1. Lowest Rates for 2026
For 2026, Anthem offers the lowest-priced Medicare Supplement Plan G for a 65‑year‑old in New Hampshire. Consumers can verify all rates and carriers directly through the New Hampshire Insurance Department website, which publishes every approved Medigap plan and premium statewide.

2. Largest Medicare Supplement Insurer in NH
Anthem isn’t just the largest health insurer in New Hampshire—they are also the largest Medicare Supplement insurer in the state. According to the 2025 NAIC Market Share Report, Anthem holds 37.9% of the NH Medigap market, an impressive figure considering nearly 20 insurers offer Medicare Supplement plans here.

3. Free SilverSneakers Gym Membership
Anthem Medigap members in NH receive FREE SilverSneakers—a popular fitness benefit that includes access to gyms such as:

• YMCA
• Planet Fitness
• Anytime Fitness

Members can enjoy workouts, pools, classes, and saunas at no additional cost, eliminating the need for a pricey gym membership.

4. Stable, Issue‑Age Premiums
Anthem uses issue‑age rating, meaning your premium is based on the age you are when the policy is issued—not your current age. While rates can increase due to inflation or claims trends, Anthem has had several years with very small increases—or even $0 increases—making them one of the more stable carriers in the NH Medigap market.

5. Nationwide Brand Recognition
The Blue Cross Blue Shield name is recognized across the country. With Anthem, members enjoy the confidence of a trusted national brand and the peace of mind that comes with broad provider acceptance.

6. Foreign Travel Emergency Coverage
Anthem’s Medicare Supplement Plans N, G, and F include up to $50,000 in foreign travel emergency benefits, a valuable feature for NH residents who enjoy international travel.

7. Strong Financial Stability
Anthem Blue Cross Blue Shield currently holds an A (Excellent) Financial Strength Rating from AM Best.
This rating reflects Anthem’s long-term stability and ability to pay claims—an essential factor when choosing a Medicare Supplement insurer.

A Local Expert’s Perspective
“We enjoy working with Anthem and have helped hundreds of New Hampshire seniors enroll in Medicare Supplement coverage. The seven reasons above—and many more—are why Anthem continues to be a go‑to insurer for our cherished clients.”

— Stephen Donohue, Leading NH Medicare Supplement Broker