NH Local Choice HMO Gold 1400 + $0 Rx list + $0 Virtual Urgent Care — full price in Rockingham County, New Hampshire (2026)
NH Local Choice HMO Gold 1400 + $0 Rx list + $0 Virtual Urgent Care (59025NH0370104), a gold plan from Harvard Pilgrim Health Care in Rockingham County, New Hampshire, costs $700.96/month full price for a 40-year-old in 2026 — $1488.57 at 60, with a $1,400 deductible and $7,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 59025NH0370104 · 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 | $548.48 |
| 27 | $574.81 |
| 30 | $622.52 |
| 40 | $700.96 |
| 50 | $979.59 |
| 60 | $1488.57 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,400
- Family deductible: $2,800
- Individual out-of-pocket max: $7,500
- Family out-of-pocket max: $15,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $388.42/mo. This plan is $700.96/mo at 40 — a difference of $312.54/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 gold plans in Rockingham 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 59025NH0370104 in FIPS 33015.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Rockingham County
Reviewed by Jason Burns, Editorial Steward.