Updated July 2, 2026
New Hampshire follows standard federal Medigap rules for plan benefits, but the state adds one notable protection on top of the federal floor: state law requires carriers to offer a guaranteed issue period when you lose other qualifying coverage, giving you additional opportunities to enroll without medical underwriting beyond the initial open enrollment window. Plan G averages around $157 per month.
How Is a Medigap Premium Calculated in New Hampshire
The federal Open Enrollment Period is your primary protected window, but the New Hampshire Insurance Department requires insurers to extend guaranteed issue rights in certain situations after that window closes: for example, when you lose employer-sponsored coverage or leave a Medicare Advantage plan. That means New Hampshire residents in those situations have a path to Medigap that many other states do not require carriers to provide. The specifics depend on the triggering event, so if you are in one of those situations, contact the NH Insurance Department or a licensed broker to confirm which plans must be offered to you. The Medigap cost calculator and plan comparison page are useful for understanding your options regardless of which enrollment window applies.
Enrolling in New Hampshire
The standard 6-month Open Enrollment Period begins when you are at least 65 and Part B is active. Insurers cannot turn you away or apply health surcharges during this period. After it ends, the state's additional guaranteed issue rules may still give you options in qualifying circumstances. Use the open enrollment calculator for your exact dates, and the Medigap vs Advantage calculator if you want to compare total costs before enrolling.
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FAQs
How much does Medigap Plan G cost in New Hampshire?
Plan G premiums in New Hampshire run around $157 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
Do all Plan G policies in New Hampshire cover the same things?
Yes. Federal law standardizes the benefits inside every Plan G, so a policy sold in New Hampshire covers exactly the same services no matter which carrier issues it. Only the premium and the rating method differ from one New Hampshire carrier to the next.