---
title: "New Hampshire Long-Term Care Insurance | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/new-hampshire/long-term-care-insurance/
description: "New Hampshire Insurance Department rules include a Long-Term Care Partnership program with asset-protection features for qualifying coverage."
last_updated: 2026-10-20
author: George A. Mellendorf, CLTC, LTCP (Central States Insurance Services, Inc.)
publisher: Funding LTC Marketplace
note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above.
---
New Hampshire · LTC Insurance

# New Hampshire Long-Term Care Insurance

Last updated 2026-10-20

Long-term-care insurance in New Hampshire is regulated by the New Hampshire Insurance Department under the state's Long-Term Care Insurance rules, designated Ins 3600, which implement RSA chapter 415-D. These rules apply broadly — covering qualified long-term-care contracts as well as certain life insurance policies that accelerate benefits to pay for long-term care.

Regulation isn't just background noise before a buyer starts comparing premiums — the rule framework itself governs policy filings, consumer protections, required disclosures, and product standards, functioning as more than a simple Medicaid-program brochure.

New Hampshire also participates in the State Long-Term Care Partnership Program, which offers asset-protection features tied to benefits paid out under a qualifying policy — a meaningful consideration for anyone weighing self-funding against purchasing coverage.

## Does New Hampshire have a Long-Term Care Partnership program?

**Yes.** New Hampshire takes part in the Long-Term Care Partnership program created by the federal Deficit Reduction Act of 2005 (DRA). DRA Partnership states follow consumer-protection standards drawn from the National Association of Insurance Commissioners (NAIC) Long-Term Care Insurance Model Act and Model Regulation. A Partnership-qualified policy gives you **dollar-for-dollar asset protection**: for every dollar the policy pays in benefits, New Hampshire Medicaid can disregard a dollar of your assets when it decides eligibility, and the same amount is protected from estate recovery after death.

**How the protection works (illustrative):** if a Partnership policy pays $200,000 in benefits before you apply for Medicaid, Medicaid can disregard $200,000 of your assets on top of the state's regular asset limit, and that same amount is protected from Medicaid estate recovery later.

### What makes a policy Partnership-qualified

- It's a **tax-qualified** long-term care policy under Internal Revenue Code § 7702B.
- It meets the state's Partnership consumer-protection standards and is issued while you're a resident of a Partnership state (each state sets its own start date and residency rule).
- It carries the required **inflation protection** for your age when you buy: compound annual protection if you're under 61, some level of protection from 61 through 75, and optional protection at 76 or older.

### If you move to another state

New Hampshire appears on the New York State Partnership for Long-Term Care's reciprocity map as a Partnership state that honors reciprocity. In general, a Partnership policy bought in another reciprocal state keeps its dollar-for-dollar protection here, and a New Hampshire policy keeps it in other reciprocal states.

**The original four:** California, Connecticut, Indiana and New York started their Partnership programs before the Deficit Reduction Act of 2005. Their programs were designed separately from the NAIC-based DRA model, so their rules differ (for example, some offered Total Asset protection), and California doesn't take part in reciprocity. If you bought a policy in one of these states, confirm how it's treated with the Medicaid agency where you'll apply.

Not every insurer offers Partnership-qualified policies in every state. When you compare quotes, ask whether each policy is Partnership-qualified in New Hampshire.

## Sources and official resources

- [New Hampshire Insurance Department: Long Term Care Insurance](https://www.insurance.nh.gov/consumers/senior-services/long-term-care/long-term-care-insurance)
- [New Hampshire Insurance Department: Long Term Care](https://www.insurance.nh.gov/consumers/long-term-care)
- [New York State Partnership for Long-Term Care: State Partnership Programs and Reciprocity map](https://nyspltc.health.ny.gov/reciprocitymap.htm)
- [U.S. Code: 42 U.S.C. § 1396p (liens, estate recovery, transfers of assets, Partnership disregard)](https://www.law.cornell.edu/uscode/text/42/1396p)

Rules and figures change. Confirm current details with the agency before you act.

[← Back to the full New Hampshire guide](https://fundingltcmarketplace.com/states/new-hampshire/)