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    v1.0.28
    OpenPayerStatesNew Hampshire
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    New Hampshire Health Insurance Market Analysis: Market Share, Payer Mix, and Coverage Trends

    New Hampshire's health insurance market is dominated by a few large payers, with Elevance Health Inc Group leading the landscape. Employer-based coverage is the primary source of private insurance, and the market is characterized by high concentration among the top insurers.

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    State Overview

    New Hampshire has a total population of 1.38M residents. The state is divided into 10 counties. The private insurance penetration rate is 76.27%, reflecting a robust coverage landscape. The estimated members covered by the top payer, Elevance Health Inc Group, is 312.5K.

    Insurance Market

    RankInsurerPremium WrittenEstimated Members CoveredMarket Share
    1Elevance Health Inc Group$1.72B312.5K29.70%
    2UnitedHealth Group$718M130.5K12.42%
    3Centene Corporation Group$700M127.5K12.12%
    4Boston Medical Center Health Plan Inc$526M95.8K9.10%
    5Point32Health Inc Group

    Frequently Asked Questions

    References

    1. 1.S2703: Private Health Insurance Coverage by Type and Selected Characteristics. U.S. Census Bureau, 2024 American Community Survey 5-Year Estimates. Retrieved Aug 11, 2026.Annual estimates of private health insurance coverage rates by state, broken out by age, income, and plan type — the basis for this page's coverage-rate figures.
    2. 2.2024 Market Share Reports for the Top Accident and Health Insurance Groups and Companies by State and Countrywide. National Association of Insurance Commissioners (NAIC). Retrieved Aug 11, 2026.Ranks the largest accident and health insurance carriers by direct premiums written in each state, used to identify the dominant payers operating there.
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    Trek Health powers OpenPayer with a leading commercial payer intelligence platform, seamlessly converting fragmented payer data into actionable insights for provider organizations.

    Trek Health ingests and normalizes Transparency in Coverage data and payer policy updates to give provider organizations a clear view of how commercial reimbursement behaves across markets, payers, and services. Our platform transforms raw payer disclosures into structured intelligence that supports contract evaluation, payer negotiations, and service line strategy. By combining market benchmarks with ongoing policy visibility, Trek helps teams identify variability, risk, and opportunity in commercial reimbursement. The result is faster insight, stronger negotiating positions, and more informed financial decisions.

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    $525M
    95.6K
    9.09%
    6CVS Group$281M51.1K4.86%
    7Independence Health Group Inc Group$264M48.1K4.57%
    8Humana Group$211M38.4K3.65%
    9Cigna Health Group$206M37.6K3.57%
    10Martins Point Generations Advantage$107M19.3K1.84%

    Elevance Health Inc Group is the leading insurer in New Hampshire, holding nearly a third of the market share. UnitedHealth Group and Centene Corporation Group also have significant presence, each covering over 12% of the privately insured population. The top five insurers collectively control more than 70% of the market, indicating a high level of concentration.

    Boston Medical Center Health Plan Inc and Point32Health Inc Group round out the top five, each with just over 9% market share. The remaining insurers, including CVS Group, Independence Health Group Inc Group, Humana Group, Cigna Health Group, and Martins Point Generations Advantage, have smaller but notable shares. This distribution highlights the dominance of a few large payers and the limited role of smaller insurers in the state.

    The concentration of market share among the top insurers suggests that most privately insured residents are covered by a handful of organizations. This can impact plan options, pricing, and negotiation dynamics within the state.

    Insured Population Demographics

    Coverage TypeCountShare of Privately Insured
    Employer-Based736.8K70.06%
    Direct-Purchase87.2K8.29%
    TRICARE8.24K0.78%
    CHIP/Subsidized22.5K2.14%

    The majority of privately insured residents in New Hampshire are covered through employer-based plans, which account for over two-thirds of the privately insured population. Direct-purchase coverage is the next most common, representing a smaller but significant portion of the market. TRICARE and CHIP/Subsidized programs cover a relatively small share of the privately insured population.

    New Hampshire's privately insured population is distributed across a range of age bands, with notable concentrations in the 45-54 and 55-64 age groups. The presence of CHIP/Subsidized coverage indicates ongoing support for children and lower-income families, while the direct-purchase segment reflects individual market activity.

    Market Dynamics

    New Hampshire's health insurance market is characterized by a high degree of concentration among a few dominant payers. Elevance Health Inc Group leads the market with a substantial share, followed by UnitedHealth Group and Centene Corporation Group. The top five insurers collectively account for over 70% of the market, underscoring the limited competition and strong influence of these organizations.

    Employer-based insurance is the primary coverage type, reflecting the state's employment patterns and the prevalence of group health benefits. The direct-purchase segment, while smaller, demonstrates the presence of an active individual market. TRICARE and CHIP/Subsidized programs play a minor role in the overall private insurance landscape.

    The age distribution of the privately insured population shows significant coverage among working-age adults, particularly those aged 45-64. This suggests that employer-based insurance is most prevalent among mid-career and pre-retirement individuals. Coverage for children and older adults is also present, but at lower levels compared to the working-age population.

    Overall, New Hampshire's insurance market is shaped by a combination of payer concentration and demographic factors, with employer-based coverage dominating and a handful of insurers controlling the majority of the market.

    Top 10 Health Insurers by Market Share in New Hampshire
    Privately Insured Population by Age Band in New Hampshire