Medicare Supplement Insurance (Medigap) helps New Hampshire seniors and eligible disabled residents cover healthcare costs not fully paid by Original Medicare, such as deductibles, copayments, and coinsurance. New Hampshire residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to individuals who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in New Hampshire
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 36,485 |
| 2 | G | 28,368 |
| 3 | N | 20,714 |
Note: Plans E, H, I, and J were discontinued nationwide. Pre-standardized plans (sold before July 1992) may still exist but are no longer issued.
Did you know? New Hampshire stands out for its unusually high enrollment in Plan N — with more than 20,000 enrollees, nearly as many as Plan G. This shows that many residents are willing to trade small copayments for lower premiums, making Plan N a popular cost-conscious choice in the state.
How Medigap Pricing Works in New Hampshire
Premiums for Medigap coverage may rise differently depending on the rating method insurers use. In New Hampshire, policies may be priced under one of three models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age at purchase and may rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in New Hampshire
New Hampshire requires insurers to offer all Medigap plans to Medicare beneficiaries under 65 who qualify due to disability or end-stage renal disease (ESRD). However, insurers may apply higher premiums for these beneficiaries compared to those who are 65 or older.
Choosing a Medigap Plan in New Hampshire
Plan F remains the most popular Medigap plan in New Hampshire, though Plan G is gaining quickly as new beneficiaries enroll. Plan N is unusually strong in this state, reflecting its appeal as a lower-cost alternative. All Medigap policies work nationwide at providers who accept Medicare, ensuring New Hampshire residents have dependable coverage whether they receive care in Manchester, Concord, or across the U.S.
To explore premiums and compare Medigap plans in your area, visit our Medigap rate comparison page.