New Hampshire Long-Term Care

Specific long-term care information pertaining to New Hampshire.

Important State Information

Federal Partnership Program

The State of New Hampshire has joined the majority of states in participating in the federal/state long-term care partnership program. The federal Deficit Reduction Act of 2005 gave the states the authority to set up a partnership plan to encourage and reward consumers who have qualified long-term care insurance and give them additional asset protection.

The incentive is a special asset disregard provision which allows participants to “immunize” assets from the Medicaid (Granite Care) spend-down should their insurance benefits be depleted. This is a partnership between the State of New Hampshire, the insured, and certain insurance companies that have instituted consumer protection enhancements and reporting requirements.

Policy Example

With a New Hampshire Long-Term Care Partnership approved policy, under the asset disregard provision, assets equal to what a policy paid out in benefits will be disregarded for the purpose of determining Medicaid eligibility and spend down. As an example, with a modest insurance policy that pays $300,000, the insured would have an equal amount ($300,000) in assets disregarded. This gives many policyholders peace-of-mind knowing they will never entirely exhaust their estates. The Partnership Program also protects those assets after death from Medicaid estate recovery.

Reciprocity

Most states have reciprocity with other states' long-term-care partnership programs including New Hampshire. This means if you move from or to New Hampshire your partnership asset protection follows you as well.

Medicaid (Granite Care)

Long-Term Care Medicaid spend down is $2,500. A spouse’s minimum asset allowance is $25,284. Your spouse’s minimum monthly income allowance is $2,057.50. * 

For more information about the Medicaid program visit www.medicaid.gov.

Rate Stability Rules

In addition, New Hampshire consumers enjoy additional peace-of-mind as the state has adopted Long-Term Care Insurance Rate Stability Rules.  These rules, developed the National Association of Insurance Commissioners, makes it much harder for an insurance company to get an approved rate increase.

Products Approved in New Hampshire

Several product options are approved in New Hampshire for Long-Term Care planning. These include traditional plans, including partnership certified policies and asset-based “hybrid” policies.

Tax Incentives

There are no state tax incentives available in New Hampshire at this time. Federal tax incentives are available.

*The federal government sets a new minimum and maximum amounts each year, but states can set their own minimum requirements at any level between the federal limits. This information is based on the best available sources.

New Hampshire state emblem
State Breakdown
State Partnership Program
State Tax Incentives
Federal Tax Incentives
Rate Stability Rules
Medicaid Spend Down $2,500
Minimum Asset Allowance $25,284
Minimum Monthly Income Allowance $2,057.50

Calculate the Cost of Care in New Hampshire

View the costs of Long-Term Care in your area. Use the slider below to view future costs of care services with inflation.

New Hampshire Median
Long-Term Care 2019 2034(+16 Years) 2019 2034(+16 Years)
Homemaker Services $58,916 $91,789(+$34,589) $52,435 $81,692(+$30,784)
Home Health Aide $63,629 $99,132(+$37,356) $59,505 $92,707(+$34,935)
Adult Day Care $21,022 $32,752(+$12,342) $21,960 $34,212(+$12,892)
Assisted Living Facility $57,783 $90,024(+$33,924) $67,949 $105,862(+$39,892)
Semi-Private Room $127,823 $199,144(+$75,044) $132,334 $206,173(+$77,693)
Private Room $137,222 $213,787(+$80,562) $145,117 $226,087(+$85,197)
MonthYear

Long-Term Care Throughout New Hampshire

Manchester

Manchester, New Hampshire is the largest metro area in the state and encompasses an area in three states including Maine and Vermont. The average cost of a skilled nursing facility runs $11,741 a month. The cost of an Assisted Living Facilityaverages $5,498 a month. Adult Day Care Centers average $1,777 a month. Care at home, based on a 44-hour week, averages $4,814 a month.

The Boston metro includes a number of counties in New Hampshire. 

More Locations

Other population centers in New Hampshire include Bedford, Concord, Derry, Dover, Hudson, Keene, Londonderry, Merrimack, Nashua, Portsmouth, Rochester, and Salem.