ACA plans available
39
Plan year 2026
2026 data Public-data reference. official source
Coos, New Hampshire Health Insurance
Open-data reference.
39 ACA plans from 3 issuers - Plan year 2026
Coos, New Hampshire offers 39 ACA marketplace plans from 3 issuers for plan year 2026. Silver plans start at $340/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$412
Avg Silver Premium/mo
$361
Benchmark Premium/mo
+43.2%
Year-over-Year Change
$4,897
Avg Deductible
What the Numbers Say About Coos
Coos, New Hampshire has 39 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $412/mo for a 27-year-old non-tobacco user, with the lowest Silver at $340 and the highest at $573.
The benchmark (second-lowest Silver) premium is $361/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,897 and the average out-of-pocket maximum is $8,526 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Coos shifted by +43.2%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Coos, consumers have some competitive choice, though narrower than the most competitive counties. Network types split fairly evenly here between HMO and EPO, so comparing referral rules and out-of-network coverage across those two matters as much as comparing metal tiers. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Silver
13 plans$412/mo avg
$340 - $573
Gold
12 plans$459/mo avg
$402 - $587
Catastrophic plan available: avg $228/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Coos is $361/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
3
Some competition
Benchmark Silver
$361 /mo
Sets your subsidy ceiling
Avg deductible
$4,897
Across all metal tiers
Coos ACA plans by premium and deductible
Each marker is the Coos average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Coos, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Coos
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter from NH Healthy Families | 18 | $372/mo |
| Anthem Blue Cross and Blue Shield | 12 | $345/mo |
| Harvard Pilgrim Health Care | 9 | $525/mo |
All Plans in Coos
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Anthem Catastrophic Pathway X Enhanced Anthem Blue Cross and Blue Shield | Catastrophic | HMO | $227.64 | $277.59 | $10,600 | $10,600 |
| Anthem Bronze Pathway X Enhanced 7000/0% ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $265.35 | $323.59 | $7,000 | $10,000 |
| Anthem Bronze Pathway X Enhanced 7500/50% ($0 Virtual PCP + $0 Select Drugs) Standard Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $289.68 | $353.25 | $7,500 | $10,000 |
| Anthem Heart Healthy Bronze Pathway X Enhanced 6000/40% ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $291.31 | $355.25 | $6,000 | $10,000 |
| Anthem Bronze Pathway X Enhanced 6000/35% HSA Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $300.55 | $366.50 | $6,000 | $8,000 |
| Standard Expanded Bronze Ambetter from NH Healthy Families | Expanded Bronze | EPO | $302.56 | $368.97 | $7,500 | $10,000 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from NH Healthy Families | Expanded Bronze | EPO | $312.29 | $380.82 | $7,500 | $10,000 |
| Choice Bronze HSA Ambetter from NH Healthy Families | Expanded Bronze | EPO | $326.74 | $398.45 | $7,250 | $7,250 |
| Choice Bronze HSA + Vision + Adult Dental Ambetter from NH Healthy Families | Expanded Bronze | EPO | $337.24 | $411.25 | $7,250 | $7,250 |
| Elite Bronze Ambetter from NH Healthy Families | Expanded Bronze | EPO | $341.87 | $416.90 | $0 | $10,150 |
| Elite Bronze + Vision + Adult Dental Ambetter from NH Healthy Families | Expanded Bronze | EPO | $352.86 | $430.30 | $0 | $10,150 |
| NH Local Choice HMO HSA Bronze 6000 Harvard Pilgrim Health Care | Expanded Bronze | HMO | $426.15 | $519.67 | $6,000 | $7,500 |
| NH Local Choice HMO Bronze 8000 + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Expanded Bronze | HMO | $447.73 | $545.99 | $8,000 | $9,100 |
| NH Local HMO Bronze 7500 Standard + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Expanded Bronze | HMO | $466.11 | $568.40 | $7,500 | $10,000 |
| Anthem Silver Pathway X Enhanced 6000/40% ($0 Virtual PCP + $0 Select Drugs) Standard Anthem Blue Cross and Blue Shield | Silver | HMO | $339.99 | $414.61 | $6,000 | $8,900 |
| Anthem Silver Pathway X Enhanced 5500/20% ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $360.74 | $439.91 | $5,500 | $8,500 |
| Clear Silver Ambetter from NH Healthy Families | Silver | EPO | $363.26 | $442.98 | $7,000 | $7,000 |
| Anthem Silver Pathway X Enhanced 4500/20% HSA Anthem Blue Cross and Blue Shield | Silver | HMO | $365.24 | $445.40 | $4,500 | $6,000 |
| Standard Silver Ambetter from NH Healthy Families | Silver | EPO | $366.69 | $447.17 | $6,000 | $8,900 |
| Complete Silver Ambetter from NH Healthy Families | Silver | EPO | $370.54 | $451.86 | $5,950 | $8,850 |
| Clear Silver + Vision + Adult Dental Ambetter from NH Healthy Families | Silver | EPO | $374.93 | $457.22 | $7,000 | $7,000 |
| Standard Silver + Vision + Adult Dental Ambetter from NH Healthy Families | Silver | EPO | $378.48 | $461.54 | $6,000 | $8,900 |
| Complete Silver + Vision + Adult Dental Ambetter from NH Healthy Families | Silver | EPO | $382.45 | $466.38 | $5,950 | $8,850 |
| Anthem Heart Healthy Silver Pathway X Enhanced 4000/0% ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $391.72 | $477.69 | $4,000 | $9,000 |
| NH Local HMO Silver 6000 Standard + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Silver | HMO | $538.04 | $656.12 | $6,000 | $8,900 |
| NH Local Choice HMO Silver 5000 + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Silver | HMO | $555.62 | $677.57 | $5,000 | $8,500 |
| NH Local Choice HMO Silver 3500 + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Silver | HMO | $573.21 | $699.01 | $3,500 | $8,200 |
| Standard Gold Ambetter from NH Healthy Families | Gold | EPO | $401.54 | $489.67 | $2,000 | $8,200 |
| Everyday Gold Ambetter from NH Healthy Families | Gold | EPO | $404.97 | $493.85 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter from NH Healthy Families | Gold | EPO | $414.44 | $505.40 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter from NH Healthy Families | Gold | EPO | $417.98 | $509.72 | $800 | $7,250 |
| Complete Gold Ambetter from NH Healthy Families | Gold | EPO | $418.27 | $510.07 | $1,450 | $7,500 |
| Anthem Gold Pathway X Enhanced 700/40% ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Gold | HMO | $430.49 | $524.96 | $700 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter from NH Healthy Families | Gold | EPO | $431.71 | $526.46 | $1,450 | $7,500 |
| Anthem Gold Pathway X Enhanced 2000/25% ($0 Virtual PCP + $0 Select Drug) Standard Anthem Blue Cross and Blue Shield | Gold | HMO | $437.26 | $533.22 | $2,000 | $8,200 |
| Anthem Gold Pathway X Enhanced 1200/20% ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Gold | HMO | $438.92 | $535.25 | $1,200 | $9,000 |
| NH Local HMO Gold 2000 Standard + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Gold | HMO | $555.62 | $677.57 | $2,000 | $8,200 |
| NH Local Choice HMO Gold 1400 + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Gold | HMO | $574.81 | $700.96 | $1,400 | $7,500 |
| NH Local Choice HMO Gold + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Gold | HMO | $586.80 | $715.58 | $0 | $8,700 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $288/mo | $250 | $357 | 19 | 3 |
| 2023 | $304/mo | $260 | $377 | 25 | 3 |
| 2024 | $305/mo | $265 | $347 | 18 | 3 |
| 2025 | $310/mo | $269 | $385 | 13 | 3 |
| 2026 | $412/mo | $340 | $573 | 13 | 3 |
Frequently Asked Questions
How many ACA plans are available in Coos, NH?
There are 39 ACA marketplace plans available in Coos from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Coos?
Silver plans in Coos start at $340/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Coos?
The benchmark (second-lowest Silver) premium in Coos is $361/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Coos?
Average premiums in Coos changed by +43.2% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Coos?
The average annual deductible across all plans in Coos is $4,897, and the average out-of-pocket maximum is $8,526. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Coos?
There are 3 insurance issuers offering ACA marketplace plans in Coos, including Ambetter from NH Healthy Families, Anthem Blue Cross and Blue Shield, Harvard Pilgrim Health Care. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Coos, NH's $361/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
