Individual and Family health plans made easy

We get it. Shopping for a health plan can feel complicated. But it doesn’t have to be! For starters, we have the lowest-cost Individual and Family plans in New Hampshire†. Learn more about our plans here, and discover how choosing a plan with us is the easy choice.

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Doctor
Provider network
WellSense Clarity plans require no referrals for in-network specialists and also include telehealth options.

View provider network

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Prescription drug coverage
Our plans cover thousands of medications at over 1,000 retail and mail order pharmacies.

Check drug coverage

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Benefits that fit you
Compare deductibles, annual max out-of-pocket amounts, copays and more to find a plan that meets your needs.

Compare benefits

Don’t know where to start? We’ll guide you through it.

Plans are available to residents of Belknap, Strafford, Merrimack, Hillsborough and Rockingham counties in New Hampshire.

Healthcare can be costly, but keep in mind that most people in New Hampshire who enroll in a marketplace plan qualify for subsidies that lower the cost of their monthly premiums by an average of $338 per month‡. Visit our shopping portal to see if you’re eligible for subsidies or cost-share reductions that can significantly lower your out-of-pocket costs. Even if you’re not eligible for subsidies, we have low-cost plan options available for you.

Visit our shopping portal to see which WellSense Clarity plans you’re eligible for. You can also check coverage for your current providers and prescriptions and compare plans side by side.

 


Get what you need with a WellSense Clarity plan

  • Monthly premiums as low as $0
  • $0 preventive care, including screenings and immunizations
  • Extensive provider network, telehealth options and behavioral health services
  • No referrals needed for in-network specialists 
  • Emergency, hospital and nationwide urgent care access
  • Prescription drug coverage for thousands of medications at over 1,000 retail and mail order pharmacies.
  • Personalized help to treat chronic or complex conditions
  • 24/7 nurse advice line

 

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$0 preventive care

No-cost preventive care, including annual checkups, screenings and immunizations.

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Doctors you know and trust
Our extensive provider network includes telehealth options, behavioral health services and specialists.
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Prescription drug coverage
Our plans cover thousands of medications at more than 1,000 retail and mail order pharmacies.
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Nationwide urgent care access

If you travel or have kids in college, you can have peace of mind with us.

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Affordable premiums
Monthly premiums as low as $0
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Extensive provider network
Including telehealth options and behavioral health services
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$0 preventive care
Including screenings and immunizations
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No referrals needed
for in-network specialists
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Emergency care
Hospital and nationwide urgent care access
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Prescription drug coverage
for thousands of medications at over 1,000 retail and mail order pharmacies
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Personalized help
to treat chronic or complex conditions
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24/7 nurse advice line
get immediate health advice from a registered nurse

Get started

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We'll sign you up
Schedule a call with a licensed WellSense agent who can help answer your questions and even help you enroll.

Schedule a call

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Do it yourself

Our online tool will tell you if you're eligible for tax subsidies to reduce your costs, and let you compare and enroll in WellSense plans.

Start your enrollment

Marketplace "metal" levels

The Health Insurance Marketplace uses metal levels to categorize health insurance plans and provides consumers with a range of coverage options. When choosing between different metal insurance plans, make sure you pay close attention to the coverage you need and how it fits within your budget.

 

Bronze

Silver

Gold

Monthly premium

$

$$

$$$

Out-of-pocket costs

$$$

$$

$

Good fit for you if...

...you don't anticipate healthcare services other than routine checkups and preventive care.

...you are looking for a good balance between expected costs and out-of-pocket costs*.

...you are okay with higher monthly premiums in exchange for lower out-of-pocket costs when you need healthcare services.

*Additional financial assistance may be available to further reduce your healthcare expenses if you qualify.

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Review the plan's service area.
Many plans are only offered in specific geographical areas. WellSense Clarity plans are available to residents of Belknap, Strafford, Merrimack, Hillsborough and Rockingham counties in New Hampshire.
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Check if your providers and prescriptions are covered.
Each plan's provider directory will indicate if your preferred doctors are in-network, and the list of covered drugs (sometimes called a formulary) will tell you if your drugs are covered and how much your prescriptions will cost.
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Estimate your total cost.
Your total cost includes the premium (the amount you'll pay each month) plus out-of-pocket costs for medical services, which include cost sharing charges such as deductibles, coinsurance and copayments.  
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Get started

Use our online tool to estimate cost savings, compare plan options and enroll in the plan that fits your life.

Shop for a plan

Need more help?

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Download our guide
Request a copy of our guide, full of helpful shopping tips and specific benefits of WellSense Clarity plans.
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Talk to an expert
Submit your information and a licensed WellSense agent will reach out to you.

Please see the appropriate Evidence of Coverage for Covered Services and additional information, including which benefits, services and medications are covered or noncovered on our plan and any restrictions or guidelines we must follow before providing them.

†Lowest-cost Individual and Family plan in New Hampshire
‡2025 Marketplace Open Enrollment Period Public Use Files | CMS

Coverage where it counts

Available for residents in Belknap, Hillsborough, Merrimack, Rockingham and Strafford counties in New Hampshire, WellSense Clarity plans will cover a wide range of medical services, including:

  • $0 preventive care
  • Emergency services
  • Hospitalization
  • Prescription drugs
  • Mental health services, and more

We have been supporting New Hampshire and its communities for over a decade. Stop by and visit us at one of these community events!

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