NH Local Choice HMO Silver 3500 + $0 Rx list + $0 Virtual Urgent Care — full price in Hillsborough County, New Hampshire (2026)
NH Local Choice HMO Silver 3500 + $0 Rx list + $0 Virtual Urgent Care (59025NH0370106), a silver plan from Harvard Pilgrim Health Care in Hillsborough County, New Hampshire, costs $699.01/month full price for a 40-year-old in 2026 — $1484.43 at 60, with a $3,500 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 59025NH0370106 · 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 | $546.95 |
| 27 | $573.21 |
| 30 | $620.79 |
| 40 | $699.01 |
| 50 | $976.86 |
| 60 | $1484.43 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,500
- Family deductible: $7,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $388.42/mo. This plan is $699.01/mo at 40 — a difference of $310.59/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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other silver plans in Hillsborough County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| WellSense Clarity NH Silver 3400 + $0 Rx List + 24/7 Nurse Advice | WellSense Health Plan | $388.00 |
| WellSense Clarity NH Silver 6000 + $0 Rx List + 24/7 Nurse Advice | WellSense Health Plan | $388.42 |
| WellSense Clarity NH Silver 0 Deductible + $0 Rx List + 24/7 Nurse Advice | WellSense Health Plan | $390.00 |
| Anthem Silver Pathway X Enhanced 6000/40% ($0 Virtual PCP + $0 Select Drugs) Standard | Anthem Blue Cross and Blue Shield | $414.61 |
| Anthem Silver Pathway X Enhanced 5500/20% ($0 Virtual PCP + $0 Select Drugs) | Anthem Blue Cross and Blue Shield | $439.91 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 59025NH0370106 in FIPS 33011.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Hillsborough County
Reviewed by Jason Burns, Editorial Steward.