State profile · NH · CMS + NAIC
Insurance in New Hampshire
How health insurers handle claims in New Hampshire, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 19.1%
- Avg claims denied
- #16
- denial rank of 31
- $987
- Avg auto / yr
- +14%
- Auto, 5-yr
- 3
- Insurers w/ data
The verdict
Marketplace insurers in New Hampshire deny 19.1% of claims — near the 21% national average, the 16th-highest of 31 states, and drivers pay an average $987 a year for auto cover, less than the $1191 national average.
- 19.1%
- avg claims denied
- #16
- of 31 states
- $987
- avg auto / yr
- 26%
- highest (Harvard Pilgrim He)
Denial rates are aggregate marketplace figures from CMS filings; auto figures are NAIC average expenditures. State regulation, risk pool and plan design all shape these numbers.
Highest claim-denial rates in New Hampshire
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- Harvard Pilgrim Health C
Harvard Pilgrim Health Care of NE: 25.6% denied (28,357 of 110,745)
25.6 % of claims denied
- Matthew Thornton Hlth Pl
Matthew Thornton Hlth Plan(Anthem BCBS): 21.2% denied (414,042 of 1,956,432)
21.2 % of claims denied
- Celtic
Celtic Insurance Company: 12.9% denied (97,262 of 755,341)
12.9 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in New Hampshire. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in New Hampshire, by denial rate
3 insurers reporting marketplace claims in New Hampshire
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | Harvard Pilgrim Health Care of NE D | 110,745 | |
| 2 | Matthew Thornton Hlth Plan(Anthem BCBS) C | 1,956,432 | |
| 3 | Celtic Insurance Company B | 755,341 |
Auto insurance in New Hampshire
Auto premiums in New Hampshire are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $865 average expenditure
$865 avg expenditure
- 2020
2020: $848 average expenditure
$848 avg expenditure
- 2021
2021: $843 average expenditure
$843 avg expenditure
- 2022
2022: $881 average expenditure
$881 avg expenditure
- 2023
2023: $987 average expenditure
$987 avg expenditure
What this shows New Hampshire drivers' average auto cost rose 14% between 2019 and 2023.
What the data shows for New Hampshire
New Hampshire's marketplace insurers denied 19.1% of submitted claims in the CMS data, the 16th-highest rate of the 31 states with federal marketplace filings. Denial rates this far below the 21% national average usually reflect the state's mix of plan types and risk pool rather than any single carrier — Medicaid managed-care and narrow-network plans route more claims through utilization review.
On the auto side, drivers in New Hampshire pay an average $987 a year — less than the $1191 national average — split across $482 liability, $391 collision and $158 comprehensive premiums. That figure has moved up 14% since 2019, tracking the national surge in repair and medical-claim costs.
Because rate regulation, licensing and guaranty-fund coverage are set state by state, an insurer's record in New Hampshire can differ from its national average — which is why the state view matters for local consumers. Source: CMS Transparency in Coverage PUF PY2025, cms.gov. Source: NAIC 2023 Auto Insurance Database; state commissioner registry, NAIC member directory.
For New Hampshire residents
Use the state view before you buy or appeal a denial here.
- Check a specific carrier's full national and per-state record. Browse insurers
- Compare New Hampshire's auto costs against the rest of the country. Auto rankings
- Denied a claim in this state? Walk through the appeal process. Appeal a denial
Verify coverage availability and terms directly with any insurer or a licensed agent. Informational only — not insurance advice.
Data: CMS Transparency in Coverage PUF PY2025 (per-state claim denials) · NAIC 2023 Auto Insurance Database. State commissioner links from the NAIC member directory. Not affiliated with NAIC or CMS. Read our methodology.