NH Local Choice HMO Gold 1400 + $0 Rx list + $0 Virtual Urgent Care
Gold · HMO · Harvard Pilgrim Health Care · New Hampshire
At age 40 it costs $700.96 a month before any subsidy.
What CMS publishes about it
| Plan ID | 59025NH0370104 |
|---|---|
| Insurer | Harvard Pilgrim Health Care |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $1,400 |
| Deductible (family) | $2,800 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $7,500 |
| Family maximum | $15,000 |
| Primary care visit | $25 |
| Specialist visit | $50 |
| Emergency room | $300 Copay after deductible |
| Inpatient stay | 10% Coinsurance after deductible |
| Generic drugs | $5 |
| Preferred brand drugs | $50 Copay after deductible |
| Specialty drugs | 40% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 99.72% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-877-907-4742 · TTY 1-800-637-8257 |
Where it is sold, and what it costs there
10 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Belknap County | $548.48 | $622.52 | $700.96 | $979.59 | $1,488.57 |
| Carroll County | $548.48 | $622.52 | $700.96 | $979.59 | $1,488.57 |
| Cheshire County | $548.48 | $622.52 | $700.96 | $979.59 | $1,488.57 |
| Coos County | $548.48 | $622.52 | $700.96 | $979.59 | $1,488.57 |
| Grafton County | $548.48 | $622.52 | $700.96 | $979.59 | $1,488.57 |
| Hillsborough County | $548.48 | $622.52 | $700.96 | $979.59 | $1,488.57 |
| Merrimack County | $548.48 | $622.52 | $700.96 | $979.59 | $1,488.57 |
| Rockingham County | $548.48 | $622.52 | $700.96 | $979.59 | $1,488.57 |
| Strafford County | $548.48 | $622.52 | $700.96 | $979.59 | $1,488.57 |
| Sullivan County | $548.48 | $622.52 | $700.96 | $979.59 | $1,488.57 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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When this plan’s price or benefits change.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.