New Hampshire long-term care insurance: cost & coverage

Who regulates long-term care insurance in New Hampshire

Long-term care insurance policies sold in New Hampshire are regulated by the New Hampshire Insurance Department. If you have a complaint about an agent, carrier, or policy, you can file it with the regulator directly.

What long-term care costs in New Hampshire

Median assisted living cost in New Hampshire vs. the national median:

Source: SeniorLiving.org median assisted living costs, 2026. See costs for all 50 states for the full table.

What each type of care costs in New Hampshire

Assisted living is only one of the settings people use. Median monthly costs across the main care types in New Hampshire:

Source: SeniorLiving.org Cost of Care Research (2026)

New Hampshire's LTC Partnership program

New Hampshire has an active LTC Partnership program. New Hampshire participates in the federal/state LTC Partnership program, with certified policies tracked by the NH Insurance Department and Medicaid asset disregard administered via DHHS.

A Partnership-qualified policy lets you keep an extra dollar of assets, protected from Medicaid spend-down, for every dollar your policy pays out in benefits — see the note above for this state's current status. Learn more about how Partnership programs work.

How New Hampshire treats LTC premiums at tax time

New Hampshire has no state income tax on wages, so there is no New Hampshire deduction or credit for long-term care insurance premiums — there is no personal income tax return on which to claim one. The one personal tax the state did levy, the Interest and Dividends Tax on investment income, was repealed effective for taxable periods beginning after December 31, 2024. The Department of Revenue Administration is explicit that no 2025 return is required, that 2025 forms were never issued, and that 2025 estimated payments should not be made. Returns for 2024 and earlier were still due and those years stay open to audit. No personal income tax appears anywhere on the Department's current list of taxes.

Source: New Hampshire Department of Revenue Administration (2025)

This is general information, not tax advice. Confirm your own situation with a tax professional licensed in New Hampshire.

Medicaid long-term care in New Hampshire

New Hampshire's Medicaid program is called NH Medicaid, and the Department of Health and Human Services decides who qualifies. For it to pay for nursing facility care you must both medically need that level of care and clear strict money tests: countable resources cannot exceed $2,500, and monthly income must be either under $2,982 gross or under $939 net. Qualifying does not make the care free. After allowable deductions, including a $93 personal needs allowance, the rest of your income is applied to the bill and NH Medicaid pays only the balance. If you meet the same requirements, you may be able to receive services at home instead, under one of New Hampshire's Home and Community-Based Services waivers.

Source: New Hampshire Department of Health and Human Services, Bureau of Family Assistance (2026)

Other New Hampshire long-term care programs

• Choices for Independence (CFI) Waiver. Choices for Independence, usually called CFI, is New Hampshire's Medicaid waiver for older adults and adults with chronic illnesses who need the level of care a nursing facility provides but want to keep living at home or in the community. The state's Bureau of Adult and Aging Services runs it as a Section 1915(c) home and community-based services waiver. To qualify you must be financially eligible for Medicaid and be medically assessed as needing nursing facility care — both, not one or the other. The current waiver period runs from July 1, 2022 through June 30, 2027; federal rules require New Hampshire to renew it every five years.
• Aging and Disability Resource Centers (ADRC), formerly ServiceLink. New Hampshire's Aging and Disability Resource Centers are the state's front door to long-term care help, and if you remember them as ServiceLink, that is the same network under its former name. Working with the Bureau of Adult and Aging Services, the centers provide information and referrals, person-centered options counseling, family caregiver support, and Medicare counseling; their options counselors are specifically trained to walk people through the Medicaid application process. The network runs thirteen primary centers plus satellites, serves people of any age, income or ability, and answers one statewide number, 1-866-634-9412. It is also New Hampshire's full-service access partner for NHCarePath.
• NH Family Caregiver Support Program. If you are the one doing the caring in New Hampshire, the NH Family Caregiver Support Program is meant for you rather than for the person you look after. It is delivered through the Aging and Disability Resource Centers and offers information about local resources, help assessing what you need, individual counseling and support groups, training in caregiving skills, and respite care so eligible full-time caregivers can get a break. Some caregivers can also get chore services, assistive equipment, home modifications or transportation. It covers caregivers over 18 looking after someone with Alzheimer's or another dementia or an adult over 60, and relatives over 55 raising minor children.
• Old Age Assistance (OAA). Old Age Assistance is New Hampshire's State Supplemental Program cash grant for residents aged 65 and older, and anyone found eligible for it is automatically eligible for Medicaid as well. Eligibility turns on income, resources and living arrangement — the income limits differ depending on whether you live on your own or in a group setting such as a family care home or assisted living facility, and countable resources must be $1,500 or less. That $1,500 is a limit you have to fall below, not a payment. New Hampshire law also requires the Department of Health and Human Services to seek repayment from the estates of people who received this cash assistance.

How to compare quotes in New Hampshire

• Confirm any agent or carrier you talk to is currently licensed to sell in New Hampshire — the New Hampshire Insurance Department can confirm licensing status.
• Ask which products a carrier is actively writing in New Hampshire today — availability changes state by state and year to year. See carriers we compare.
• If a Partnership-qualified policy matters to you, confirm with the carrier or agent whether a policy is currently certified as Partnership-qualified in New Hampshire — see this state's Partnership status above.
• Compare traditional and hybrid options side by side — see traditional vs. hybrid coverage.
• Get quotes from more than one carrier; pricing for the same coverage can vary significantly.

Please note: Regulator names, complaint channels, and Partnership-program status can change. Confirm current details with the New Hampshire Insurance Department or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer New Hampshire's insurance regulations or Medicaid program.

Last updated: August 22, 2026