Medicare Advantage plans in New Hampshire for 2027
Three insurers, 15 open plans, and a sharp split between the southern tier around Manchester and Nashua and the lakes and mountains to the north.
Hillsborough, New Hampshire: plans open to everyone on Parts A and B
15 plans
6 with a $0 premium and drug coverage · out-of-pocket limits $4,950 to $9,850 · best rating 4.5★ · 8 plan IDs of 2026 not renewed here
15 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-059-0 | $0 | no drugs | $4,950 | 4.0★ |
| Humana Gold Plus H5619-180 (HMO)Humana · HMO · H5619-180-0 | $0 | $500 | $6,700 | 4.0★ |
| DEVOTED CHOICE 001 NH (PPO)Devoted Health · PPO · H7191-001-0 | $0 | $650 | $6,800 | new |
| AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO)UnitedHealthcare · PPO · H8768-048-0 | $0 | no drugs | $7,150 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx NH-MA2 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-226-0 | $0 | no drugs | $7,150 | 3.5★ |
| HumanaChoice Giveback H5216-138 (PPO)Humana · PPO · H5216-138-0 | $0 | $700 | $7,150 | 4.0★ |
| HumanaChoice Giveback H7617-046 (PPO)Humana · PPO · H7617-046-0 | $0 | $700 | $7,150 | 4.5★ |
| DEVOTED CHOICE GIVEBACK EXTRAS 006 NH (PPO)Devoted Health · PPO · H7191-006-0 | $0 | $700 | $7,650 | new |
| DEVOTED CHOICE GIVEBACK 002 NH (PPO)Devoted Health · PPO · H7191-002-0 | $0 | $650 | $8,650 | new |
| UHC Medicare Advantage NH-001A (PPO)UnitedHealthcare · PPO · H2001-028-0 · was $21.70 in 2026 | $7.50 | $700 | $9,850 | 4.5★ |
| Humana Gold Plus H5619-137 (HMO)Humana · HMO · H5619-137-0 | $14 | $700 | $6,900 | 4.0★ |
| AARP Medicare Advantage from UHC NH-2 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-207-0 · was $0 in 2026 | $24 | $685 | $7,150 | 4.0★ |
| AARP Medicare Advantage from UHC NH-0004 (PPO)UnitedHealthcare · PPO · H8768-061-0 · was $39 in 2026 | $59 | $685 | $8,900 | 4.0★ |
| HumanaChoice H5216-475 (PPO)Humana · PPO · H5216-475-0 | $68 | $0 | $7,800 | 4.0★ |
| Humana Gold Plus H5619-185 (HMO)Humana · HMO · H5619-185-0 | $72 | $700 | $6,700 | 4.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
New Hampshire has 15 Medicare Advantage plans open to everyone with Parts A and B for 2027, filed by just 3 parent companies, and nearly all of them are sold in the southern counties. Hillsborough County, with Manchester and Nashua, has the full 15; Rockingham and Strafford have 12 each. Cheshire County around Keene has 1, and Carroll County has no open plan. 6 drug-covering plans charge no premium, and the highest premium in the state is a modest $72 a month. Caps run from $4,950 to $9,850 with a median of $7,150. Unlike most states, New Hampshire has no special needs plan for people with both Medicare and Medicaid; its 5 special needs plans target chronic conditions or nursing-home residents. 8 stand-alone drug plans are listed below.
No plan for dual eligibles, and why that stands out
Almost every state's 2027 file includes D-SNPs, the special needs plans reserved for people who qualify for both Medicare and Medicaid. Nationally there are 1,052 of them. New Hampshire has 0. A Granite Stater with Medicaid keeps Original Medicare and the state's Medicaid coverage, or joins an ordinary open plan. The 4 chronic-condition plans and 1 institutional plan are open only to people with a qualifying diagnosis or living in a nursing facility.
Southern tier against the North Country
Choice follows the population. The 15 plans in Hillsborough include 6 at $0 and caps from $4,950. Merrimack, around Concord, keeps most of that menu. Cross into the Lakes Region and the White Mountains and it shrinks: Grafton has 5, Cheshire 1, and Carroll none, with only 1 special needs plan filed there. Coos County does not appear in the 2027 file at all. In those counties the realistic routes are Original Medicare with a Medigap policy, or a plan sold in a neighboring county if you move there.
Three companies, and the giveback plans
Humana Inc. files 7, UnitedHealth Group, Inc. files 5, Devoted Health, Inc. files 3. Several plan names carry the word Giveback: these plans return part of the Part B premium to you through your Social Security check. The best-rated is HumanaChoice Giveback H7617-046 (PPO), at 4.5 stars with a $7,150 cap. The state had 17 open plans in 2026.
2027 Part B: projected, not final
Extra in 2027 if the projection holds
$158
| 2026 premiums | $4,870 |
| 2027 at the Trustees’ figure | $5,028 |
That Part B premium is the bill a giveback offsets. For 2027 it is a Trustees projection of $209.50 a month, not yet the final figure, which CMS normally sets in the fall.
Every county of New Hampshire, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Belknap | 6 | 2 | $4,950 | 6 | +1 |
| Carroll | 0 | 0 | none | 0 | -1 |
| Cheshire | 1 | 1 | $7,150 | 1 | -3 |
| Grafton | 5 | 3 | $6,700 | 2 | +3 |
| Hillsborough | 15 | 6 | $4,950 | 10 | -2 |
| Merrimack | 11 | 2 | $4,950 | 9 | same |
| Rockingham | 12 | 3 | $4,950 | 10 | -2 |
| Strafford | 12 | 3 | $4,950 | 10 | same |
| Sullivan | 5 | 3 | $6,700 | 2 | +3 |
Stand-alone Part D plans in New Hampshire
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-136-0 | $5.30 | $5.30 | $700 | $0 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-101-0 · Extra Help benchmark | $6.30 | $0 | $700 | $0 | 4.5 |
| Wellcare Classic (PDP)Wellcare · S4802-075-0 · Extra Help benchmark | $7.30 | $0 | $700 | $0 | 3.0 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-022-0 | $14.70 | $7.20 | $700 | new | 2.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-181-0 | $60.70 | $53.20 | $687 | $54.40 | 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-378-0 | $162.70 | $155.20 | $700 | $82.40 | 3.0 |
| Humana Premier Rx Plan (PDP)Humana · S5884-148-0 | $169.20 | $161.70 | $350 | $150.20 | 4.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-384-0 | $175.80 | $168.30 | $300 | $104.30 | 3.0 |