The upcoming 2026 Medicare plan changes in New Hampshire are a significant source of uncertainty for many beneficiaries. With several carriers withdrawing or reducing their offerings, understanding your options is now more critical than ever. This transition can feel confusing and overwhelming, but Sherwood Insurance Solutions is here to provide educational clarity and dedicated local support. We want to empower you to navigate these shifts confidently and secure the best coverage for the coming year.
Medicare in New Hampshire 2026: Your Essential Guide to Coverage Changes
Why Insurance Carriers are Exiting the NH Market
The shifting landscape in New Hampshire’s Medicare Advantage market reflects broader national trends in the insurance industry. Reduced federal payment rates to insurers and new compliance requirements have prompted carriers to reassess their participation in certain markets. This means fewer plan choices are available in some counties. While frustrating, it's important to know this is a business decision by carriers, not a reflection of your coverage needs.
Your Guaranteed Protections: You Will Not Lose Coverage
Federal law guarantees that all Medicare beneficiaries will continue to have coverage, even if their current plan is discontinued. If your plan is withdrawn or significantly changed, you are entitled to a Special Enrollment Period (SEP). This SEP allows you to choose a new Medicare Advantage plan or transition back to Original Medicare (Parts A & B). This is a crucial safety net ensuring that your access to essential healthcare remains uninterrupted.
The Critical Choice: Advantage, Original, and Medigap
Facing a plan withdrawal forces you to actively choose your 2026 coverage. Your two main options are selecting a new Medicare Advantage (Part C) plan or returning to Original Medicare (Parts A & B). If you choose Original Medicare, you can enroll in a standalone Part D drug plan and may have a Guaranteed Issue Right to purchase a Medigap policy. These choices involve different networks and out-of-pocket costs.
Navigating the NH Market with a Broker
The New Hampshire market changes are complex and county-specific, meaning what works for a neighbor may not work for you. Reading your carrier notices is just the first step. A local, licensed broker, like Joanne Sherwood from Sherwood Insurance Solutions, can provide the personalized, unbiased guidance you need.
The 2026 Medicare changes in New Hampshire are a significant event, but they don't have to be a crisis. Our goal at Sherwood Insurance Solutions is to turn confusion into confidence by offering expert advice and seminars. We are dedicated to helping you compare your options and secure uninterrupted coverage for the coming year. Don't wait until the deadline; take action now to protect your health and finances.