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Medicare and health costs

NH Medicaid in New Hampshire

New Hampshire Medicaid can pay health costs Medicare doesn't for people 65 and older.

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From the New Hampshire Department of Health and Human Services, Bureau of Family Assistance (BFA)
An older woman in her kitchen reads a letter from the day's mail

Through Old Age Assistance (OAA) Medicaid you may qualify with net income up to $1,008 a month for one person, but the savings limit is low at $1,500. If your income or savings are higher, the medically needy program allows more savings ($2,500 for one person) and covers you once medical bills bring your income down.

How to apply in New Hampshire

In person
At the nearest DHHS District Office.

Applying is free. Nobody should charge you to apply.

Apply on the official site

Who may qualify in New Hampshire

Who may qualify for NH Medicaid
One personMarried couple
Net income limit (OAA Medicaid, October 2026)$1,008 a month$1,492 a month

Source: New Hampshire Department of Health and Human Services, Bureau of Family Assistance (source 1)

Savings limit, one person (OAA Medicaid)$1,500

Source: New Hampshire Department of Health and Human Services (source 2)

Spend-down if your income is over the limitYes: through medically needy ("In and Out") Medicaid you may qualify once medical bills bring your net income down to $966 a month for one person or $1,124 for two (October 2026). The savings limit is $2,500 for one person and $4,000 for two.

Source: New Hampshire Department of Health and Human Services, Bureau of Family Assistance (source 1)

Income limit for nursing-home Medicaid (2026)Gross income under $2,982 a month (or net income under the medically needy limit); savings limit $2,500

Source: New Hampshire Department of Health and Human Services (source 2)

Medicaid for adults under 65 (expansion)Yes: the Granite Advantage Health Care Program covers adults 19 to 64 with income up to $1,769 a month for one person (133% of the poverty level)

Source: New Hampshire Department of Health and Human Services, Bureau of Family Assistance (source 1)

How New Hampshire is different

Where New Hampshire's rules differ from the federal rules for Medicaid for people with Medicare.

  • Lower savings limit than most states for OAA Medicaid: $1,500
  • Spend-down (medically needy) available, with a $2,500 savings limit for one person
  • Home and community-based services waivers as an alternative to a nursing facility

Source: New Hampshire Department of Health and Human Services (source 2)

Good to know

  • Certain life insurance policies and burial funds don't count toward the OAA savings limit.
  • Nursing-home residents keep a $93 personal needs allowance when their share of the cost is figured.

Source: New Hampshire Department of Health and Human Services (source 2)

Free help

Free help with this in New Hampshire

More help in New Hampshire

Medicaid for older adults in another state

Sources

  1. New Hampshire Department of Health and Human Services, Bureau of Family Assistance, BFA Program Net Monthly Income Limits (October 2026) (official government site). Checked Oct 28, 2026.
  2. New Hampshire Department of Health and Human Services, New Hampshire Bureau of Family Assistance (BFA) Program Fact Sheet (10/2026) (official government site). Checked Oct 28, 2026.

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