by Stephen Donohue RHU Nashua Insurance Agency Owner

Atlantic Insurance & Benefit Company YOUR Source for NH Car Insurance & NH Home Insurance
In an era of rapid corporate consolidation, private equity firms buying out local insurance agencies, and out-of-area firms buying main street firms, Atlantic Insurance & Benefit Company remains proudly local and 100% independent.

​While policyholders across Northern New England struggle with unanswered calls, automated phone trees, and delayed service from distant call centers, our business is booming for one simple reason: we answer the phone, and we put our neighbors first.

Located at 375 Main Street in Nashua, NH, we are steadfastly committed to the Greater Nashua community, southern New Hampshire, and Massachusetts. As independent agents, we don't work for a single insurance company—we work for you. We partner directly with top local, regional, and national insurance carriers to shop the market, compare rates, and secure the best NH car insurance and NH home insurance for your family or business.

Check out our preferred insureance partners below!
 

Comparing the Top Carriers for NH Car Insurance & NH Home Insurance (2026 Guide)​
Finding the right home and car insurance in New Hampshire comes down to balancing local service, digital convenience, and overall value. Granite Staters have unique regional needs—from regional carriers built specifically for Northern New England winter weather to nationwide brands.

Please see a summary of each of our preferred insurance partners specializing in NH home insurance and NH car insurance.

Detailed Partner Reviews for New Hampshire & Massachusetts Policyholders
1. Plymouth Rock Assurance: Premier Regional Perks for Drivers & Homeowners

• AM Best Rating: A- (Excellent)
• Best For: Drivers looking for Northeast-specific claims convenience and high-touch service.

Plymouth Rock has carved out a distinct presence across New England by offering personal service features standard carriers don't match. For local drivers navigating repairs or icy winter roads, their concierge auto and home benefits stand out:

• Door-to-Door Valet Claim Service®: If you're in an accident, Plymouth Rock picks up your damaged car, leaves a rental vehicle, manages repair inspections, and brings your fixed vehicle back to you.
• Get Home Safe®: Reimburses taxicab or rideshare fares if you find yourself in a situation where driving home safely isn't an option.
• NH Home Insurance & Auto Bundles: Offers localized property riders, including utility service line protection and water backup coverage tailored for New England homes.

2. The Concord Group: Deep New Hampshire & Local Community Roots

• AM Best Rating: A+ (Superior) (Affiliated with Auto-Owners Insurance)
• Best For: Homeowners and drivers who prefer working face-to-face with a local NH agency. Headquartered in Bedford, NH, The Concord Group has served Granite State residents for nearly a century. Operating exclusively through a network of local independent agents, they offer specialized knowledge on Northern New England property risks—such as heavy snow loads, ice dams, and rural home needs.
• Agent-Driven Claims: Claims are managed with local regional knowledge rather than nationwide corporate call centers.
• Granite State Home & Business: Comprehensive bundled policy options for homeowners, personal vehicles, local contractors, and main-street small businesses.
• High Financial Stability: Backed by an A+ (Superior) AM Best rating through its strategic affiliation with Auto-Owners Insurance.

3. Liberty Mutual: Customizable NH Auto & Home Protection

• AM Best Rating: A (Excellent)
• Best For: Households looking to bundle complex personal policies under one roof. As one of the largest insurers in the region, Liberty Mutual offers flexible customization for drivers and homeowners seeking tailored limits and endorsement riders.
• RightTrack® Telematics: A usage-based smartphone program that rewards safe driving habits with immediate rate reductions—ideal for NH commuters.
• Specialized Coverage Endorsements: Niche options like 24-Month New Car Replacement and Teacher Auto Insurance (which waives deductibles for vandalism or collisions on school grounds).
• Multi-Policy Ecosystem: Easily protects seasonal lakeshore properties, snowmobiles, RVs, boats, and personal umbrella policies alongside your primary NH home insurance and NH car insurance.

4. GEICO: Convenience & Competitive Auto Rates

• AM Best Rating: A++ (Superior) (Subsidiary of Berkshire Hathaway)
• Best For: Tech-savvy policyholders seeking quick online management and competitive pricing now through local insurance agents like Atlantic Insurance & Benefit CO.  Holding AM Best's highest financial rating (A++), GEICO provides top-tier solvency.
• Top-Rated Mobile App: Manage NH auto policies, request roadside assistance during severe winter weather, store digital ID cards, and track claims seamlessly.
• Affinity & Military Discounts: Substantial rate savings for active/retired military personnel, federal employees, and members of hundreds of professional organizations.
• Fast Quote Engine: Quick online quoting for drivers looking to secure required liability limits or full coverage within minutes.

5. Progressive Northern Insurance: Tech Innovation & Flexible Rates

• AM Best Rating: A+ (Superior)
• Best For: Drivers looking for usage-based discounts, budget control, or coverage with prior violations. Underwritten in New Hampshire by Progressive Northern Insurance Company, Progressive is a national powerhouse known for innovative rate-matching technology and telematics.
• Snapshot® Telematics: Tracks real-time driving behavior (braking, speed, time of day) to reward safe drivers with personalized car insurance discounts.
• Name Your Price® Tool: An interactive quote builder that lets you input your target budget and adjusts coverage limits and deductibles accordingly.
• Pet Injury Coverage: Built-in protection under collision coverage that pays toward vet bills if your pet is injured in a motor vehicle accident.
• Broad Driver Acceptance: Flexible underwriting options for drivers with past accidents, speeding tickets, or temporary coverage gaps.

Why Choose Atlantic Insurance & Benefit Company for Your NH Car & Home Insurance?
Navigating insurance options across dozens of carriers can be overwhelming, but you don't have to do it alone.

1. Local Representation in Nashua, NH: You get a real person on Main Street in Nashua who advocates for you when you need help with a policy renewal, quote comparison, or claim. Here serving Nashua, WIndham, Hudson,Hollis, Derry, Manchester, Amherst, Milford since 1998.
2. Multiple Carrier Quotes: Because we are an independent agency, we shop top-rated companies simultaneously so you get maximum coverage without overpaying.
3. Tailored New England Protection: We make sure your policy includes vital local protections—like water backup, roof snow-load damage coverage, and adequate liability protection for New Hampshire roads.
4. Expertise in Specifci Markets- We just don't do home & auto. We SPECIALIZE in unique coverage like SR-22 Insurance, Investment Property, Landlord Coverage, plus we have excellent insurers for NH Business Auto Insurance and Workers Comp.

Contact Your Local Nashua NH Insurance Agency Today
Whether you need a quick review of your current auto policy or a competitive rate comparison on your home, Atlantic Insurance & Benefit Company is here to help.

• Office Address: 375 Main Street, Suite 100, Nashua, NH 03060
• Phone: (603) 882-2909 ask for Steve or James
• Website: www.atlanticinsure.com
• Service Areas: Nashua, Southern New Hampshire, Greater Boston, and Massachusetts

Buying NH Home Insurance with Plymouth Rock & Atlantic Insurance

As an independent agency, Atlantic Insurance & Benefit Company takes pride in working with several top-tier insurers. We are thrilled to partner with Plymouth Rock, a premier regional insurer providing robust coverage for your Home, Condo, Auto, and Umbrella needs.

JUST CLICK HERE TO BE DIRECTED TO OUR FAST NH HOME INSURANCE QUOTE 

Financial Strength You Can Trust
When choosing an insurance provider, stability is key. Plymouth Rock maintains a strong reputation for financial reliability: AM Best Rating: Affirmed at A- (Excellent). As of March 2026, AM Best even revised their outlook to Positive, reflecting the company's solid market presence and very strong balance sheet.

Exclusive Features & Smart Savings
Plymouth Rock offers more than just competitive rates; they provide innovative features designed to reward your lifestyle and loyalty:

• SBLI Life Insurance Discount: Special premium reductions for clients who also hold an SBLI life insurance policy.
• Multi-Policy Bundling: Significant discounts when you package your Home and Auto insurance together.
• Agency Loyalty Discounts: Savings that reward you for staying with a trusted partner.
• Safe Driving Rewards: The ability to earn Amazon.com Gift Cards or points simply by maintaining safe driving habits.
• Advanced Quote DIscounts 

Technology for Modern Homebuyers
One of the most valuable tools Plymouth Rock offers is their Immediate Online Quote technology. By simply entering your name, date of birth, and address, you can receive an instant home insurance quote.

Real Estate Professionals we work with find this incredibly helpful for clients shopping for a new home. It’s a fast, friction-free way to gauge insurance costs before making a purchase, ensuring there are no surprises at the closing table.
The Benefit of an Independent Review
While we encourage you to try the online quote via the quote request above, we also invite you to give us a ring afterward. As your local experts, we can double-check the quote to ensure the coverage limits truly meet your unique needs.
Most importantly, we’ll perform a full audit to make sure you have qualified for every single discount Plymouth Rock offers—guaranteeing you the best protection for the best price.

Ready to see your rate? Click on the FAST NH HOME INSURANCE QUOTE HOME to start your home quote today!

Quick Tip: When reviewing your online quote, keep an eye on your "Replacement Cost" value—it's often different from your home's market value, and we can help you find that "sweet spot" for total protection.

Whether you are currently shopping for a new home, or looking to refresh the coverage on your current one- we are here to help Call James or Steve at Atlantic Insurance & Benefit Company Nashua NH 603-882-2909.

by Stephen Donohue Nashua Insurance Agent

Buying a home is likely your biggest investment — but protecting it shouldn’t feel overwhelming. With dozens of carriers, shifting construction costs, and confusing policy language, choosing the right homeowners insurance requires more than comparing monthly premiums.

Whether you prefer the regional expertise of The Concord Group, the digital convenience of Liberty Mutual, or the customizable coverage options from  Plymouth Rock, this guide breaks down exactly how to evaluate your choices and avoid the most common coverage gaps.

1. Calculate Your True Replacement Cost
One of the biggest mistakes homeowners make is insuring their property for its market value instead of its replacement cost — the actual amount required to rebuild your home from the foundation up. Why this matters in New Hampshire Construction costs in New England fluctuate due to labor shortages, supply chain issues, and strict local building codes. If your policy isn’t updated regularly, you could be underinsured by tens of thousands of dollars.

Pro Tip
Carriers like Plymouth Rock and Safeco offer Extended Replacement Cost options, adding an extra cushion (often 25–50%) if rebuilding costs spike after a major storm or regional disaster. Also, if you are uncertain how much to insure your home for- we suggest using $250 per square foot as a starting point. Costs may go up based upon style of home, year built and location. 

What to ask your agent: Does my policy include coverage for ordinance or law upgrades? These are mandatory code‑related improvements that can significantly increase rebuild costs.

2. Know the Difference Between “Core” and “Add‑On” Coverages
A standard homeowners policy covers fire, wind, and theft — but many high‑impact risks are excluded unless you add endorsements. Research shows that many households remain underinsured because they fail to update coverage as rebuilding costs rise over time (Ramnath & Jeziorski, 2021).
High‑value endorsements commonly offered by Safeco, Liberty Mutual, and Plymouth Rock:

• Water Backup Coverage Protects against damage from sump pump failure or sewer backup — a critical add‑on for New Hampshire homes with basements.
• Service Line Coverage Covers underground utility lines (water, sewer, electrical) running from the street to your home. Repairs can exceed $10,000, and most standard policies exclude them.
• Identity Theft Protection Modern carriers increasingly offer digital monitoring and restoration services as a low‑cost rider.
• Equipment Breakdown Coverage A growing trend among carriers, this protects major systems like HVAC, boilers, and appliances from mechanical or electrical failure.

3. Evaluate the Carrier’s Claims Reputation
A low premium means nothing if the claims process is slow, frustrating, or inconsistent.
What to consider:

• Local Expertise The Concord Group is known throughout New England for using local adjusters who understand regional risks such as ice dams, heavy snow loads, and freeze‑thaw cycles.
• Technology & Convenience If you prefer managing everything from your phone, Liberty Mutual and Safeco offer strong mobile platforms for filing claims, uploading photos, and tracking repairs in real time.
• Financial Strength Look for carriers with strong AM Best ratings to ensure they can pay claims during widespread events.

4. Optimize Your Rating Factors to Lower Your Premium
Carriers use multivariate statistical models to determine pricing (Powell, 2020). While some factors — like your home’s age or roof type — are fixed, others are within your control.
Factors that can reduce your premium:

• Credit‑Based Insurance Score (CBIS) In most states, including New Hampshire, maintaining strong credit can significantly reduce your homeowners premium.
• Safety & Smart‑Home Upgrades Installing monitored security systems, water‑leak sensors, or automatic shutoff valves often triggers immediate discounts from carriers like Plymouth Rock and Safeco.
• Bundling Home + Auto Combining policies with the same carrier is typically the single largest discount, often saving 10–25%.
• Roof Age & Material Some carriers offer lower rates for newer roofs or impact‑resistant shingles.

5. Choose the Right Deductible Strategy
Your deductible directly affects your premium — but choosing the wrong structure can cost you during a claim.
Options to consider:

• Higher Flat Deductible Increasing from $1,000 to $2,500 can meaningfully reduce your annual premium, but only if you have the savings to cover it.
• Split Deductible Many New England homeowners choose a standard deductible for most claims and a percentage‑based wind/hail deductible for severe weather events. This can balance affordability with protection.
• Disappearing Deductible Programs Some carriers offer deductible credits for claim‑free years.

Final Takeaway
The right homeowners insurance policy isn’t just about price — it’s about protection, claims support, and long‑term stability. With carriers like Liberty Mutual, Safeco, Concord Group, and Plymouth Rock, New Hampshire homeowners have strong options, but the key is choosing coverage that matches your home, your budget, and your risk tolerance.

Don’t wait until a claim to discover a coverage gap. Speak with a licensed agent who can compare multiple carriers and tailor a policy that protects your home — and your peace of mind.

Call us today at 603-882-2909 or visit our request a quote page here.

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

by Stephen Donohue, Registered Health Underwriter and
Medicare Broker in Nashua, NH




2026 is a big year for NH Medigap because major Medicare Advantage plans (like Anthem and Martin's Point) have exited the state. This makes Plan G even more attractive for those losing their Advantage coverage.

NH Medicare Supplement:
Why Plan G is the Top Choice for New Hampshire Seniors in 2026

Medicare Supplement Plan G remains the "Gold Standard" for seniors in the Granite State. As we move into 2026, more NH retirees are switching from Medicare Advantage back to Original Medicare + Plan G to secure stable, nationwide access to doctors without network restrictions.

Why Choose Plan G in New Hampshire for 2026?

1. Maximum Financial Protection
   Plan G covers 100% of the "gaps" in Original Medicare once you meet the annual Part B deductible. This includes your Part A hospital deductible ($1,736 in 2026) and all Part B coinsurance.
2. The 2026 Part B Deductible
   The only out-of-pocket cost you pay with Plan G is the 2026 Part B deductible of $283. Once that is met, you have $0 copays for the rest of the year for Medicare-approved services.
3. No Networks—See Any Doctor in NH
   Unlike Medicare Advantage plans, which are seeing significant provider shifts in 2026, Plan G has no networks. You can see any doctor in Nashua, Manchester, or even out-of-state specialists in Boston, as long as they accept Medicare. (98% of doctors that treat adults in US accept Medicare!) 
4. Protection from Excess Charges
   Plan G is one of the only plans that covers Part B Excess Charges. While rare in NH, this protects you if a specialist charges more than the Medicare-approved amount.

NH Medicare Advantage Market Changes in 2026. Many NH seniors received "Plan Termination" notices due to insurers like Anthem and Martin's Point exiting the NH Medicare Advantage market. If your plan is ending, you may have a Guaranteed Issue Right to join Plan G without medical underwriting.

Comparing Medicare Supplement Plan G Rates in New Hampshire (2026)

Below are estimated monthly premiums for Plan G in New Hampshire. Note: Rates vary by zip code and tobacco use.
Insurer                                              Female (Age 65)    Male (Age 65)
Anthem Blue Cross Blue Shield     $184.54                     $203.17
UnitedHealthcare (AARP)                $211.00                     $234.00
State Farm~                                      $186.00                     $205.00

Pro Tip: Most NH carriers offer Household Discounts (up to 15%) if you live with another adult. We can help you find which carrier has the best "combined" rate for couples.

Get Your Personalized 2026 NH Medigap Quote

Don’t rely on outdated 2025 data. The 2026 New Hampshire Medigap market is changing fast. Whether you are turning 65 or looking to switch from a plan that is increasing in price, we are here to help.

• Call Us: 603-882-2909 x3
• Online: Request a Custom Medicare Supplement Quote Here

For more detailed information about other plans, or rates for other ages you can refer to the 2026 New Hampshire’s Guide to Medicare Supplement Insurance, completed by the NH Insurance Department. 

If you have questions about NH Medicare Supplement Plans, including  NH Medigap Plan G, call us today 603-882-2909 x3. You can also request a Medicare Supplement Quote Here.

Also, the NH insurance Department has a Medicare Supplement Page HERE. Where you can visit, enter your gender and age and see  the rates of the different insurers and all the NH Medigap plans offered.

by Stephen Donohue, Registered Health Underwriter

Medicare 2026 Updates: Key Changes Beneficiaries Need to Know
As 2026 approaches, Medicare is undergoing significant changes that will affect beneficiaries, providers, and insurance brokers. Driven by the Inflation Reduction Act (IRA) and new initiatives from the Centers for Medicare & Medicaid Services (CMS), these updates aim to improve affordability, streamline care delivery, and enhance transparency across the program.
Below is a breakdown of the most important Medicare changes for 2026.

📈 Medicare Part B Premiums and Deductibles: What to Expect
Medicare Part B costs are projected to rise in 2026:

• Monthly Premiums: Estimated to increase from $185 in 2025 to $206.50 in 2026.
  Note: Higher-income beneficiaries will continue to pay more for Parts B and D.
• Why the Increase?
  More hospital-based services are now delivered in outpatient settings, shifting coverage from Part A to Part B—raising overall Part B expenditures.
• Deductibles: Expected to rise from $257 in 2025 to $275–$280 in 2026.

💊 Medicare Part D Prescription Drug Costs: Lower Out-of-Pocket Spending
Major reforms to Medicare Part D will bring financial relief:

• Out-of-Pocket Cap: Increases slightly from $2,000 in 2025 to $2,100 in 2026—still far below previous “donut hole” thresholds.
• Manufacturer Discount Program Expansion: Drugmakers will shoulder more cost responsibility, reducing prices at the pharmacy counter.
• Medicare Drug Price Negotiation: Select high-cost drugs will be subject to direct negotiation, lowering costs for enrollees.

💉 Preventive Care and Insulin: Expanded Access and Affordability
CMS continues to prioritize preventive care and chronic condition management:

• Vaccines: All adult vaccines recommended by the Advisory Committee on Immunization Practices (ACIP) will be covered under Part D with no deductible or cost-sharing.
• Insulin: Cost-sharing caps will remain in place, keeping insulin affordable for people with diabetes.

🤖 AI-Powered Prior Authorization: Streamlining Traditional Medicare
CMS is piloting artificial intelligence to modernize prior authorization:

• Pilot States: New Jersey, Ohio, Oklahoma, Texas, Arizona, and Washington.
• WISeR Model: Uses AI to reduce delays and improve administrative efficiency for providers and patients.

💼 Medicare Advantage Plans: Funding Boost and Market Shifts
Increased Funding

• 4.3% Payment Increase: CMS proposes a 4.3% boost in payments to Medicare Advantage plans.
• $21 Billion Investment: Intended to strengthen provider networks and improve plan offerings.

Reduced Plan Availability

• Insurer Withdrawals: UnitedHealthcare and others plan to exit select regions in 2026.
• Beneficiary Impact: Affected individuals should review options during open enrollment to maintain coverage and provider access.

⭐ Star Ratings System: Potential Overhaul Ahead
CMS is considering changes to the Medicare Star Ratings system for Parts C and D:

• Simplified Measures: Proposed revisions aim to focus more on plan quality and beneficiary experience.
• Public Feedback: CMS is soliciting input to ensure the system remains a reliable consumer guide.

🌐 Telehealth Expansion: New Services Under Review
CMS continues to expand virtual care access:

• Potential Additions:

• Multi-family group psychotherapy
• Group behavioral counseling for obesity
• Infectious disease add-on services

These additions would enhance support for mental health and chronic conditions via telehealth.

💰 Payment Updates and Broker Compensation
Value-Based Care

• Physician Fee Schedule: CMS will adjust conversion factors for both Qualifying and Non-Qualifying Advanced Alternative Payment Models (APMs), aligning payments with outcomes and efficiency.

Broker Compensation

• Commission Increases: CMS will raise maximum allowable commissions for initial and renewal enrollments in Medicare Advantage and Part D plans to reflect growing plan complexity.

📊 Part D Risk Adjustment: Improving Accuracy
CMS will refine its risk adjustment models to better reflect current health trends:

• Updated Data Sets: Incorporating 2022 diagnosis data and 2023 cost data for more precise payment calculations.

🔍 Looking Ahead: Navigating Medicare in 2026
These Medicare 2026 changes reflect a broader commitment to affordability, accessibility, and transparency. Staying informed will be essential for beneficiaries, providers, and brokers as they navigate the evolving landscape.

Navigating Medicare can be overwhelming, especially when seeking the best coverage in New Hampshire. At NH Atlantic Insurance & Benefit Co., we specialize in helping New Hampshire residents find comprehensive Medicare Supplement plans, also known as Medigap, that effectively bridge the gaps left by Original Medicare. With a deep understanding of the local market and a commitment to personalized service, our team ensures that clients receive expert guidance tailored to their unique healthcare needs in the Granite State.

Why Choose NH Atlantic Insurance & Benefit Co. for Your Medigap in NH?
Our agency is led by Stephen Donohue who has with extensive credentials, Registered Health Underwriter (RHU®) designation—a certification that signifies expertise in health insurance underwriting, particularly in individual and group health benefits. This specialization allows us to provide strategic solutions that enhance financial security and ensure seamless access to healthcare services for New Hampshire seniors and Medicare beneficiaries.

Key advantages of working with us for your NH Medicare Supplement insurance:

• Trusted Local Independent Agency Since 1998
• Expert Knowledge of Medicare Supplement Plans in NH: We simplify complex insurance options, helping clients choose the best Medigap policy for their specific needs and budget in New Hampshire. We're well-versed in popular plans like Medicare Supplement Plan G in NH and Medicare Supplement Plan N in NH, and can help you understand the differences and benefits.
• Commitment to Compliance & Protection: Our understanding of COBRA, ERISA, and HIPAA enables us to provide policies that align with major regulatory requirements, ensuring your peace of mind when buying Medicare Supplement in NH.
• Help Applying for Medicare Part A & B when leaving an employer plan. 

Understanding the Importance of Medicare Supplement Insurance in New Hampshire Medicare Supplement Insurance, or Medigap, helps cover out-of-pocket costs such as copayments, deductibles, and coinsurance that Original Medicare doesn't. Without adequate Medigap coverage in NH, these expenses can add up quickly, leading to significant financial strain for New Hampshire residents. At NH Atlantic Insurance & Benefit Co., we take the guesswork out of finding the right Medicare Supplement plan in New Hampshire, guiding clients through options that best suit their needs and budget for 2025 and beyond.

Your Trusted Partner for NH Health Insurance & Medicare Solutions Choosing the right Medicare Supplement plan is crucial for long-term financial security and peace of mind. With our expertise and commitment to client-centered solutions, NH Atlantic Insurance & Benefit Co. is your trusted partner in ensuring quality healthcare coverage throughout New Hampshire. We are dedicated to providing clear, unbiased advice to help you make informed decisions about your Medigap options.

Contact us today at 603-882-2909 to explore your New Hampshire Medicare Supplement options and experience personalized service that prioritizes your health and financial well-being. Let us help you secure the comprehensive Medicare coverage you deserve in New Hampshire.

Please see some Medicare resources that we offer:

• First Name ONLY NH Medigap Quote
• 2025 Review of 5 leading NH Medicare Supplement Insurers
• What is New for 2025 with the NH Medicare Supplement G!
• Steve Donohue Nashua Medicare Broker recognized by Anthem Blue Cross Blue Shield for achievement in 2024

​

Nashua Car Insurance Update by Stephen Donohue, Nashua Insurance Agent

As an independent auto and home insurance agency based in Nashua, NH, we proudly represent several insurers. Among them is Plymouth Rock Assurance, known for offering not only competitive car insurance rates and comprehensive auto insurance coverage but also unique features like the CrashBusters® Mobile Claim Service.

We understand how stressful car accidents can be. That’s why Plymouth Rock simplifies the claims process, removing much of the confusion and stress.
​
CrashBusters® Mobile Claim Service

• Convenience: A Plymouth Rock representative will appraise the damage at a location that works best for you—your home, office, or another convenient spot.
• Quick Claims Processing: After the appraisal, many policyholders receive a settlement check on the spot, allowing repairs to start immediately.
• Wide Availability: This service is available to most auto and motorcycle insurance policyholders in Connecticut, New Hampshire, New Jersey, Massachusetts, New York, and Pennsylvania, and is included at no additional cost with Plymouth Rock policies.

Additional Features

• CarPics℠ Photo Appraisals: File claims seamlessly using your smartphone, eliminating the need for in-person inspections.*
• Door to Door Valet Claim Service®: Save time as Plymouth Rock coordinates body shop repairs, rental cars, and more.*

With Plymouth Rock car insurance, the claims process is made fast, simple, and stress-free. As your trusted Nashua auto insurance agency, we’re here to help you every step of the way.

If you’re looking for a car insurance quote or home insurance quote, please visit our website or call us at 603-882-2909 x2. Be sure to ask for James!

*Certain restrictions apply.

by Stephen Donohue Nashua NH Home Insurance Agency Owner 

NH Home Insurance: Is Plymouth Rock Right for You?
Finding the right home insurance in New Hampshire can be a challenge. If you're looking for affordable rates and robust coverage, Plymouth Rock Home Insurance is worth considering. Serving six Northeastern states, including NH, Plymouth Rock offers a compelling option for homeowners in the region.

Why Choose Plymouth Rock for Your NH Home Insurance?
Plymouth Rock distinguishes itself with several key advantages:

• Affordable Premiums: One of the most attractive features is their competitive pricing. Plymouth Rock's rates are often significantly lower than the national average, making them a budget-friendly choice for NH homeowners.
• Customizable Coverage: Plymouth Rock offers a variety of coverage add-ons, allowing you to tailor your policy to your specific needs. These include:
  • Guaranteed Replacement Cost: This crucial coverage ensures your home will be rebuilt regardless of rising construction costs. In today's market, with fluctuating material prices, this protection is invaluable. It removes the risk of being underinsured and facing significant out-of-pocket expenses after a disaster. Not all insurers offer this, making Plymouth Rock stand out.
  • Water Backup and Home Systems Protection: Protect yourself from costly damage due to water backup or failing home systems.
  • Private Flood Insurance: Through a partnership with Neptune Flood, Plymouth Rock offers private flood insurance, providing an alternative to the National Flood Insurance Program.
• Financial Stability: An A- (Excellent) rating from AM Best demonstrates Plymouth Rock's strong financial health and ability to meet its obligations. This gives you confidence that your claims will be handled promptly and efficiently.
• Excellent Customer Service: Plymouth Rock utilizes independent agents and a dedicated local team, focusing on personalized customer service.
• Simplified Package Pricing: Their Good, Better, and Best package options make it easy to understand your coverage choices and select the best value for your needs.
• Discounts: Bundle your home, auto, and umbrella insurance policies for savings.
• Multiple Coverage Options: Plymouth Rock offers coverage for homes, condos, and renters.
• Easy Online Quotes: Get an  instant  NH home insurance quote simply by providing your address and date of birth – it's quick and convenient! NH HOMEOWNERS INSURANCE QUOTE HERE

What to Consider Before Choosing Plymouth Rock:

• Limited Service Area: Plymouth Rock's availability is limited to six Northeastern states. If you move outside this region, you'll need to find a new insurer.

Customer Satisfaction and Ratings:

• Better Business Bureau (BBB): Plymouth Rock Assurance holds an A+ rating with the BBB, reflecting their commitment to customer satisfaction.
• Bankrate: Bankrate gives Plymouth Rock a 4.0 out of 5 for home insurance, highlighting their regional presence and tiered coverage options.

The Bottom Line:
For NH homeowners seeking affordable rates, comprehensive coverage, and excellent customer service, Plymouth Rock Home Insurance is a strong contender. Their guaranteed replacement cost coverage and convenient online quoting process are particularly appealing. While their limited service area is a factor to consider, for those within their region, Plymouth Rock offers a valuable option for protecting your most valuable asset.

Get your instant NH home insurance quote today! QUOTE HERE Call Atlantic Insurance & Benefit Co, a local Plymouth Rock agency at 603-882-2909  to discuss your specific needs and learn more about how they can protect your home.