Before subsidies, the benchmark silver plan for a 40-year-old in Merrimack County cost about $388 a month for 2026, and the New Hampshire average for 2027 is $486 a month. Premium tax credits bring that down for many households, depending on income and family size. 4 insurers offered marketplace plans in Merrimack County for 2026. Below you'll find how coverage works in Concord, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Concord
Licensed agents can compare plans available in Merrimack County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Concord, NH
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $486/mo before subsidies |
| Merrimack County benchmark (2026) | $388/mo |
| Plans offered in Merrimack County (2026) | 46 |
| Plan types | HMO, EPO |
| Marketplace insurers in New Hampshire (2027) | 3 |
| Medicaid expansion | Yes |
| Short-term plans | Sold with state limits (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
A quick checklist
- Check that the agent's license is active with the state regulator.
- Write down the enrollment deadline and confirm your first premium payment.
- Ask each agent which carriers they can quote in your county.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
Free enrollment help in New Hampshire
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Which insurers sell marketplace plans in New Hampshire?
For 2027, marketplace plans in New Hampshire come from 3 insurers: Anthem Blue Cross and Blue Shield (Matthew Thornton), Harvard Pilgrim Health Care and WellSense (Boston Medical Center Health Plan). Not every insurer sells in every county.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Medicaid (Granite Advantage Health Care Program). Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
How much is health insurance in Concord?
Before subsidies, the benchmark silver plan for a 40-year-old in Merrimack County cost about $388 a month for 2026, and the New Hampshire average for 2027 is $486 a month. Premium tax credits bring that down for many households, depending on income and family size. 4 insurers offered marketplace plans in Merrimack County for 2026. A licensed agent can quote your exact price.
Health insurance in nearby cities
- South Hooksett, NH 15 miles
- Pinardville, NH 16 miles
- Franklin, NH 16 miles
- Manchester, NH 18 miles
- Laconia, NH 24 miles
- Rochester, NH 30 miles
- Nashua, NH 33 miles
- Somersworth, NH 34 miles
- Dover, NH 34 miles
- Claremont, NH 40 miles