2026 NH Medicare Supplement Plans Compared Anthem, Aetna, CIGNA, Harvard Pilgrim & UnitedHealthcare®. See detailed NH Medigap Review (UPDATED 11/28/2025)

by Stephen Donohue NH Medicare Supplement Agent                    GET NH MEDIGAP QUOTE NOW
UPDATED 11/25/2025

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 RatesBased 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 AgencyRatingA.M. Best RatingA (Excellent)
S&P RatingA+

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

DiscountsUnitedHealthcare® 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.

Personalized AssistanceFor 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.


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