New Hampshire Long-Term Care Insurance
Compare New Hampshire Plans, Costs & Coverage Options
For more than 30 years, ACACIA Insurance has helped New Hampshire residents plan for their long-term care needs. As fully independent advisors, we compare long-term care insurance plans and highly rated companies to provide personalized, unbiased recommendations.
We review benefits, features, and pricing to help you choose the long-term care insurance coverage that fits your goals and your budget.
Compare My Options
TABLE OF CONTENTS
- Do I Need Long-Term Care Insurance in New Hampshire?
- New Hampshire Long-Term Care Costs
- Medicare and Long-Term Care in New Hampshire
- When to Buy Long-Term Care Insurance in New Hampshire
- Types of Long-Term Care Insurance in New Hampshire
- New Hampshire Long-Term Care Partnership Program
- Long-Term Care Insurance Companies in New Hampshire
- Cost of Long-Term Care Insurance in New Hampshire
- New Hampshire Long-Term Care Insurance FAQs
Estimated reading time: 8 minutes
Do I Need Long-Term Care Insurance in New Hampshire?
Long-term care costs more than most New Hampshire families expect. Needs often arrive without warning. Prices also vary across the state, from the Seacoast to the Boston suburbs. Planning early gives you more choices. The facts below show the risk and the cost in New Hampshire.
The Likelihood of Needing Care
New Hampshire residents face the same long-term care risks as the rest of the country. Nearly 70% of people turning 65 today will need some form of long-term care in the future, with an average duration of about three years.1
How Long Care Lasts
For New Hampshire families, this means planning ahead is essential. While one-third of people may never need long-term care, 20% will need it for longer than 5 years. On average, women need 3.7 years of care while men need 2.2 years.2
Care Costs in New Hampshire
In 2026, three years of care in a private nursing home room in New Hampshire averages $454,125, or $151,375 per year. By 2046, that figure is projected to rise to $903,613, or $301,204 per year.3
New Hampshire Long-Term Care Costs
Long-term care costs vary across New Hampshire. In 2026, a private nursing home room averages $151,375 a year statewide. Assisted living comes to $97,515. A home health aide at 44 hours a week totals $95,957.
2026 Long-Term Care Costs in New Hampshire | |||
| Region | Nursing Home (private room) annual / monthly | Assisted Living (private room) annual / monthly | Home Health Aide (44 hrs/week) annual / monthly |
|---|---|---|---|
| State Average | $151,375 $12,615 a month | $97,515 $8,126 a month | $95,957 $7,996 a month |
| MA-NH Boston-Cambridge-Newton | $180,756 $15,063 a month | $101,589 $8,466 a month | $91,179 $7,598 a month |
| Manchester-Nashua | $165,627 $13,802 a month | $125,713 $10,476 a month | $87,905 $7,325 a month |
| Rest of State | $137,129 $11,427 a month | $77,332 $6,444 a month | $90,670 $7,556 a month |
| Source: Nationwide Financial 2026 Cost of Care Survey (HVS), accessed October 27, 2026. Monthly figures are the annual cost divided by twelve. | |||
Medicare and Long-Term Care in New Hampshire
Medicare 
pays for short stays that follow a hospital visit. It does not pay for care that lasts. Skilled nursing facility coverage starts only after an inpatient hospital stay of three days or more. Days 1 to 20 are covered in full. On days 21 to 100 you pay $217 a day in 2026. After day 100, Medicare pays nothing. Help with bathing, dressing or eating is not covered when it is the only care you need.
New Hampshire Medicaid , run by the Department of Health and Human Services, can pay for nursing facility care. It applies after most savings are spent. A single applicant may keep $2,500 in countable assets. Federal law requires a review of the 60 months before you apply for gifts and transfers. A spouse living at home may keep up to $162,660 of the couple’s assets in 2026.
After death, New Hampshire can seek repayment from the estate for Medicaid benefits received after age 55. Medicaid is a safety net for people with few resources left. It is not designed to preserve savings or an inheritance.
Learn more about Medicare and custodial care ➜
When to Buy Long-Term Care Insurance in New Hampshire
What is the best age to buy long-term care insurance? No single age fits everyone. Health, budget and goals all shape the answer. These patterns hold for most New Hampshire buyers:
- Mid 50s to early 60s. The most common window. Rates are still moderate, and health discounts remain within reach.
- Your 40s. Lower premiums and an easier approval process, in exchange for more years of payments.
- Late 60s and beyond. Still workable for many. Premiums rise, applications are declined more often, and discounts become less available.
The survey projects New Hampshire assisted living costs to rise about 5% a year, against 3% nationally. Nursing home costs rise about 3.5%, in line with the national rate. Those increases build on each other until the day you need care. Inflation protection lets your benefit grow to keep pace. It also raises your premium, so weigh it against your budget.
Already past 65? Do not assume it is too late. Carriers underwrite to different standards, and products vary just as widely. Some applicants at that age still qualify. A licensed specialist can review your situation and put real numbers next to it.
Find Out If You QualifyTypes of Long-Term Care Insurance in New Hampshire
New Hampshire residents have several long-term care insurance options to protect against the high costs of care. Understanding each type helps you choose the best coverage for your situation and budget.
Traditional Long-Term Care Insurance
- What It Is: A standalone policy specifically designed to cover comprehensive long-term care expenses, including in-home care, assisted living facilities, and nursing homes. These policies are fully portable and provide coverage wherever you receive care.
- Coverage Benefits: Provides the most extensive long-term care coverage per dollar spent with flexible daily or monthly benefit amounts for your selected benefit period. Ideal for New Hampshire residents planning comprehensive care coverage.
- Premium Structure: Recurring payments (monthly, quarterly, or annually). Premiums may experience rate adjustments over time based on insurance company claims experience.
- Health Requirements: Requires full medical underwriting with stricter health qualifications than hybrid options. Your current health can significantly impact eligibility and premium costs for New Hampshire applicants.
- Tax Advantages for New Hampshire Residents: Premiums for tax-qualified long-term care insurance policies may qualify as medical expenses for federal tax deductions (subject to income thresholds). New Hampshire has no state income tax on wages, so no state deduction applies. Benefits received are generally tax-free.
- About Traditional Long-Term Care Insurance ➜
Life Insurance with a Long-Term Care Rider (Hybrid Life + LTC)
- What It Is: A permanent life insurance policy with an added LTC benefit rider that allows policyholders to access the death benefit early for qualified long-term care expenses, regardless of where care is received.
- Coverage Benefits: Typically provides 2-4% of the death benefit monthly for long-term care with guaranteed cash value growth. Unused benefits pass to beneficiaries tax-free.
- Premium Structure: Guaranteed level premiums designed not to increase. Higher initial cost than traditional LTC insurance but protected from future rate increases. Can provide important stability for New Hampshire residents on fixed incomes.
- Health Requirements: Moderate medical underwriting with more flexible health guidelines than traditional LTC insurance, making qualification easier for many New Hampshire applicants with health issues.
- Tax Advantages for New Hampshire Residents: Can utilize 1035 exchanges from appropriate existing policies without tax consequences and can be funded with qualified retirement accounts (IRAs, 401(k)s).
- About Life Insurance with Long-Term Care ➜
Annuity with a Long-Term Care Rider (LTC Annuity)
- What It Is: A fixed rate or indexed deferred annuity contract with an integrated long-term care benefit rider, ideal for those seeking asset protection with a simplified approval process. Coverage is portable and can be used anywhere care is needed.
- Coverage Benefits: Typically multiplies your annuity value by 2-3 times for long-term care expenses. For example, a $100,000 annuity might provide $200,000-$300,000 in LTC coverage. If not exhausted for healthcare, the annuity value transfers to your estate at death.
- Premium Structure: Can be purchased with a single premium payment with NO future premium payments or rate increases. Best for New Hampshire residents with existing assets to reposition for long-term care planning.
- Health Requirements: Simplified underwriting with the most lenient health qualifications, sometimes requiring only a phone interview rather than medical exams or records review. Ideal for New Hampshire residents with health concerns.
- Tax Advantages for New Hampshire Residents: Supports tax-free 1035 exchanges from existing annuities, and LTC benefits are generally received tax-free under current federal tax regulations.
- About Long-Term Care Annuities ➜
Short-Term Care Insurance
- What It Is: Provides coverage for care in a nursing home, assisted living, or at home for a shorter duration, typically up to 12 months. Coverage is portable and can be used wherever you need short-term care.
- Coverage Benefits: Helps cover costs for short-term care needs, including recovery from surgery, illness, or injury. Most policies have a 0-day deductible with benefits paid as soon as you qualify. This bridges gaps before long-term care insurance or Medicare coverage begins for services like home health aides.
- Premium Structure: Premiums are generally lower than those for long-term care insurance because of the shorter benefit period, making it an affordable option for many New Hampshire families.
- Health Requirements: Often features simplified underwriting with fewer health questions, making it easier to qualify. Very helpful for New Hampshire residents who may not meet traditional long-term care insurance health or age requirements.
- About Short-Term Care Insurance ➜
New Hampshire Long-Term Care Partnership Program
The New Hampshire Long-Term Care Partnership protects your savings dollar for dollar. For every dollar a qualified policy pays in benefits, you may keep a dollar of assets and still qualify for New Hampshire Medicaid. Other eligibility rules still apply.
For example, suppose your policy has paid $200,000 in benefits. You could then keep $200,000 above the usual $2,500 limit and still qualify. The protected amount grows only as your policy pays benefits.
Those protected dollars are also shielded from estate recovery, so they can pass to your family. Your policy pays first. If it ever runs out, the savings it shielded stay yours.
A Partnership policy must be tax-qualified and approved as a Partnership policy. It also needs inflation protection that fits your age at purchase:
- Under 61: compound inflation protection is required.
- 61 through 75: some level of automatic increase is required.
- 76 and older: inflation protection is optional.
Learn how Long-Term Care Partnership programs work nationwide ➜
Long-Term Care Insurance Companies in New Hampshire
New Hampshire residents have access to long-term care insurance from a wide range of trusted, financially strong carriers. We work with multiple top-rated LTC insurance providers to help you find a plan that fits your age, health, and budget, whether you’re looking for a traditional policy or a hybrid life + LTC option.
AARP member? Review AARP long-term care insurance ➜
USAA member? Compare long-term care insurance options ➜
Below is a list of long-term care insurance companies available in New Hampshire:
- Bankers Life & Casualty
- Brighthouse Financial
- Global Atlantic
- LifeSecure
- Lincoln MoneyGuard
- Mutual of Omaha
- National Guardian Life
- New York Life
- Northwestern Mutual
- State Farm
- OneAmerica
- Securian Financial
- Thrivent Financial
These companies offer a mix of traditional and asset-based (hybrid) long-term care insurance policies. Availability and pricing vary based on your age, health history, and the type of coverage you need.
Read reviews and ratings of long-term care insurance companies ➜
Cost of Long-Term Care Insurance in New Hampshire
Traditional long-term care insurance costs in New Hampshire range from $1,500 to $5,000+ annually, depending on your age, health, and coverage choices. Most people pay between $2,000 and $3,000 per year for comprehensive coverage.
The cost of each dollar of coverage is similar from state to state. The benefit you need is not. It depends on what care costs near you.
Several factors influence your premium:
- Age at purchase: Buying at 55 rather than 65 can save thousands over time
- Current health status: Better health means lower rates
- Daily or monthly benefit amount: Typically $100 to $300 per day
- Total coverage limit: Usually $100,000 to $500,000+
- Elimination period: 30, 60, or 90-day waiting period before benefits start
- Inflation protection: Protects against rising care costs
Why quotes vary: Pricing depends on underwriting and plan design. Insurers weigh these factors differently, so comparing multiple carriers helps you find the best value.
Compare Long-Term Care Insurance in New Hampshire
Our licensed New Hampshire professionals offer objective guidance on a wide range of long-term care insurance products and strategies. You’ll receive personalized service including:
✔ Finding the right coverage that fits your budget and protection needs
✔ Getting matched with New Hampshire’s top-rated carriers based on your specific situation
✔ Helping you secure coverage even with pre-existing health conditions
Ready to discuss what fits your needs and budget?
Talk With a Specialist
ACACIA Insurance Reviews
What Our Clients Are Saying
New Hampshire Long-Term Care Insurance FAQs
Most New Hampshire buyers pay $2,000 to $3,000 a year for traditional coverage. That is about $167 to $250 a month. The full range runs $1,500 to $5,000 a year, or $125 to $417 a month. Your age, health, benefit amount, waiting period and inflation option set the price.
A private nursing home room averages $12,615 a month statewide in 2026. Assisted living runs $8,126. A home health aide at 44 hours a week runs $7,996. These figures come from the Nationwide Financial 2026 Cost of Care Survey.
Each type of coverage involves a tradeoff. Traditional policies cost less at the start, but the price can change and nothing is paid if you never need care. Hybrid Life and LTC Annuity policies lock in your premium and leave value to your heirs. They typically require a larger payment up front. Comparing options helps you balance budget and protection.
Not necessarily. At 70, premiums are higher and approval leans more heavily on your health. Carriers apply different standards, so a decline from one does not rule out the others. Hybrid Life and LTC Annuity policies may use different underwriting, which helps some buyers who do not qualify for a traditional policy.
No single company is best for everyone. Pricing changes with your age, health and the benefit you choose. Companies also differ in financial strength ratings, product types and underwriting criteria. Comparing several companies side by side shows which ones fit your budget and goals.
Yes. Short-term care policies are sold in New Hampshire. They pay for a shorter stretch of care, usually a year or less, and often cost less than a traditional policy. They can suit buyers who are older or who have health conditions that make a traditional policy hard to get. A licensed specialist can compare them with your other options.
Last updated: October 27, 2026
Written by: Craig Matesky, President, ACACIA Insurance
Reviewed by: Mike Berger, National Sales Manager
Sources: