NH Local Choice HMO Gold + $0 Rx list + $0 Virtual Urgent Care — full price in Belknap County, New Hampshire (2026)
NH Local Choice HMO Gold + $0 Rx list + $0 Virtual Urgent Care (59025NH0370103), a gold plan from Harvard Pilgrim Health Care in Belknap County, New Hampshire, costs $715.58/month full price for a 40-year-old in 2026 — $1519.62 at 60, with a $0 deductible and $8,700 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 59025NH0370103 · Issuer: Harvard Pilgrim Health Care · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $559.92 |
| 27 | $586.80 |
| 30 | $635.51 |
| 40 | $715.58 |
| 50 | $1000.02 |
| 60 | $1519.62 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $8,700
- Family out-of-pocket max: $17,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $388.42/mo. This plan is $715.58/mo at 40 — a difference of $327.16/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
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Other gold plans in Belknap County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| WellSense Clarity NH Gold 2000 + $0 Rx List + 24/7 Nurse Advice | WellSense Health Plan | $416.60 |
| Standard Gold | Ambetter from NH Healthy Families | $489.67 |
| Everyday Gold | Ambetter from NH Healthy Families | $493.85 |
| Standard Gold + Vision + Adult Dental | Ambetter from NH Healthy Families | $505.40 |
| Everyday Gold + Vision + Adult Dental | Ambetter from NH Healthy Families | $509.72 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 59025NH0370103 in FIPS 33001.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Belknap County
Reviewed by Jason Burns, Editorial Steward.