Medicare Supplement

Medigap in New Hampshire for 2027: 16 Insurers and the Plans They Sell

CONCORD, N.H. — As Granite Staters sort through their coverage options for 2027, Medicare Supplement insurance — commonly called Medigap — is one of the pieces that sits alongside Original Medicare. Medicare.gov's Medigap policy search for ZIP code 03101 (Manchester) lists 16 insurers writing standardized Medigap policies for New Hampshire shoppers, with the plan letters sold varying by company.

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What is Medigap and how is it different from Medicare Advantage in New Hampshire?

Medigap is private insurance that works with Original Medicare (Parts A and B) to help pay the deductibles, coinsurance and copayments Medicare leaves to the enrollee. It is not Medicare Advantage. Medicare Advantage (Part C) replaces how Original Medicare pays claims by routing care through a private plan, often with a network and its own rules. A Medigap policy, by contrast, pays after Medicare pays and generally lets the enrollee see any provider in the country who accepts Medicare.

Medigap plans sold today are standardized by federal letter, meaning Plan G from one insurer covers the same federally defined benefits as Plan G from another. What differs between insurers is price, customer service, and underwriting rules outside the one-time open enrollment window.

Which insurers sell Medigap in New Hampshire, and which plan letters do they offer?

For ZIP code 03101, Medicare.gov's Medigap policy search lists these 16 insurers and the plan letters each one offers (what is sold can differ by ZIP code and by age, sex and tobacco use):

• AARP – UnitedHealthcare Insurance Company: A, B, C, F, G, K, L, N
• Aetna Health and Life Insurance Company: A, B, F, F-HD, G, N
• AFLAC: A, F, G, N
• Anthem Blue Cross and Blue Shield – New Hampshire: A, F, G, N
• Bankers Life (Underwritten by Washington National Insurance Company): A, F, G, G-HD, N
• Harvard Pilgrim Health Care Inc.: A, F, G, M, N
• HealthSpring National Health Insurance Company: A, F, G, N
• Humana (Humana Insurance Company): A, B, C, F, F-HD, G, G-HD, K, L, N
• Humana Achieve (Emphesys Insurance Company): A, F, G, G-HD, N
• Insurance Company of North America: A, F, G, G-HD, N
• Medico Insurance Company: A, F, F-HD, G, G-HD, N
• Mutual of Omaha (United World Life Insurance Company): A, F, G, G-HD, N
• SilverScript Insurance Company: A, F, G, N
• State Farm Mutual Automobile Insurance Company: A, C, D, F, G, N
• United American Insurance Company: A, B, C, D, F, F-HD, G, G-HD, K, L, N
• USAA Life Insurance Company: A, F, G, N

Across the New Hampshire market, at least one insurer sells each of these federally standardized letters: A, B, C, D, F, F-HD, G, G-HD, K, L, M, and N. Plans C and F are closed to anyone newly eligible for Medicare on or after January 1, 2020; people who became eligible before that date can still buy them where offered.

When is the Medigap Open Enrollment Period in New Hampshire, and why does it matter?

The federal Medigap Open Enrollment Period is a one-time, six-month window that begins the first month a person is both 65 or older and enrolled in Medicare Part B. During those six months, any Medigap insurer selling in New Hampshire must sell the applicant any plan it offers, cannot use health status to deny coverage, and cannot charge more because of a pre-existing condition.

Outside that window, insurers in most situations may use medical underwriting. That can mean higher premiums or a declined application. Marking the start of Part B enrollment on the calendar — and knowing when the six months end — is the single most useful date most new enrollees track.

What happens if my Medicare Advantage plan is not returning to New Hampshire in 2027?

According to CMS Landscape files, eight Medicare Advantage plans offered in New Hampshire in 2026 will not be offered anywhere in the state in 2027. Members of a plan that is not returning receive a federal guaranteed-issue right to buy certain Medigap policies, meaning they can get a Medigap plan without medical underwriting within the timeframe Medicare sets.

Guaranteed-issue rights also apply in other specific situations — for example, losing employer retiree coverage, or trying Medicare Advantage for the first time and switching back within the trial period. Medicare.gov lists each situation and which Medigap letters qualify.

Does Medigap cover prescription drugs in New Hampshire?

No. Medigap policies sold today do not include prescription drug coverage, so New Hampshire enrollees who want drug coverage pick a stand-alone Medicare Part D plan separately. In 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), the maximum deductible any Part D plan may charge is $700, and the national base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Individual plan premiums are set plan by plan. Part D choices for 2027 are made during Annual Enrollment, which runs October 15 through December 7, 2026, with coverage taking effect January 1, 2027.

How should I compare Medigap policies in New Hampshire?

Because the benefits of each lettered plan are standardized by federal rule, the comparison across insurers is mostly about price, how the insurer raises rates over time, customer service, and underwriting outside open enrollment. The Medigap policy search on Medicare.gov lets a shopper enter a New Hampshire ZIP code and see every insurer and letter available, and insurers' own documents and state filings describe their rating method. For plan-level details, Medicare's Plan Finder at medicare.gov, 1-800-MEDICARE, or the insurer's own materials are the authoritative sources.

The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which affects monthly Social Security checks but not Medigap benefits themselves.

Where can New Hampshire residents get free help with Medigap?

Medicare.gov publishes the official Medigap policy search, the standardized plan chart, and the enrollment rules at no cost. The toll-free Medicare line, 1-800-MEDICARE, is available 24 hours a day, seven days a week, with TTY service for callers who are deaf or hard of hearing. Both can walk through plan letters, guaranteed-issue situations, and how to coordinate a Medigap purchase with a stand-alone Part D choice during Annual Enrollment 2027.