New Hampshire insurance laws
What New Hampshire has enacted on insurance, what each law requires, and what the bills still moving would do. New Hampshire is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
10 new New Hampshire laws take effect in 2027, 5 on insurance
- Bills in scope
- 63bills in scope
- Past committee
- 27past committee
- Most recent action
- 21 October 2026most recent action
Insurance laws enacted in New Hampshire
20 insurance laws enacted in the New Hampshire Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
- HB 1554requiring insurance carriers to provide peer-to-peer review at any stage of prior authorization and mandating disclosure of reviewer credentials.Enacted 5 August 2026
What it requires: Insurance carriers must provide peer-to-peer review at any stage of prior authorization upon request by an insured or provider, including after an appeal is initiated. The peer-to-peer review must be scheduled within 5 business days and conducted by a physician reviewer holding an active license in the same or similar specialty as the treating provider, actively practicing in that field, and possessing expertise to assess medical necessity. Insurance carriers must disclose the reviewer's full name, licensure type and issuing state, and National Provider Identifier before the peer-to-peer conversation begins.
Health coverage and plan regulation
- HB 1194relative to credits for assessments paid by insurers and relative to the application of criminal gambling statutes.Took effect 15 July 2026
What it requires: Member insurers may offset assessments paid to the New Hampshire Life and Health Insurance Guaranty Association against tax liability under RSA 400-A at 10 percent per year for 10 consecutive calendar years following the year the assessment was paid. If a member insurer ceases doing business, all uncredited assessments may be credited against tax liability for that year.
Licensing, solvency and market conduct
- HB 241relative to health insurance coverage of pain management services for the management of chronic pain.Enacted 16 July 2026
What it requires: Insurers issuing or renewing individual and group accident or health insurance policies must provide coverage for pain management services including behavioral health interventions, manual treatments, movement therapies, acupuncture, and massage therapy, with at least 12 visits per category. Insurers must submit comprehensive pain management plans to the insurance commissioner and cannot impose more restrictive utilization controls on nonopioid therapies than on opioid drugs.
Health coverage and plan regulation
What it requires: Insurers, producers, and insurance claims adjusters must provide documents and information to the commissioner within 10 working days upon request. Insurance companies must file annual financial statements by March 15th. Carriers must file claim determination procedures and appeal procedures upon the commissioner's request.
Licensing, solvency and market conduct
What it requires: Insurers that issue or renew group or blanket accident or health insurance must provide coverage for prosthetic devices, including activity-specific prosthetic devices, for individuals over 19 years of age who are residents of New Hampshire. Coverage for activity-specific devices is limited to one device every 5 years. Medically necessary prosthetic devices are not subject to annual limits.
Health coverage and plan regulation
What it requires: A health carrier may modify drug coverage under a health benefit plan only at the time of coverage renewal and only if the modification applies uniformly to all identical or substantially identical plans. A health carrier must offer to each enrollee any prescription drug previously approved or covered under the plan until the enrollee's plan renewal date, regardless of whether the drug was removed from the formulary.
Health coverage and plan regulation
- SB 550relative to insurance coverage for services provided by naturopathy providers.Takes effect 1 January 2027
What it requires: Each insurer that issues or renews any group or blanket accident or health insurance policy must provide coverage for health services performed by a doctor of naturopathic medicine licensed under RSA 328-E, if that service type is within the doctor's scope of practice and the insurer would reimburse for the same service from other health care providers. Such coverage must not be subject to greater co-payments, deductibles, or coinsurance than similar benefits.
Health coverage and plan regulation
- SB 614establishing multiple-caregiver self-insured risk coverage arrangements for nonprofit and for-profit providers and servicers.Takes effect 1 July 2027
What it requires: Covered entities forming a multiple-caregiver self-insured risk coverage arrangement must obtain commissioner approval before establishment, submit a detailed plan of management and operation, file annual reports within 4 months of fiscal year end, maintain a fidelity bond of 10 to 500 percent of annual funds handled, and operate according to sound actuarial principles.
Workers' compensation, surety and specialty lines
- HB 297relative to providing self-funded employer health benefit plans access to their claims data.Enacted 24 June 2026
What it requires: Health carriers, licensed third party administrators, and entities registered under RSA 402-H must notify employers annually upon renewal of their option to authorize submission of self-funded health benefit plan claims data to the state system. If an employer authorizes submission, the insurance commissioner must provide the employer annual access to a utilization report based on de-identified and aggregated claims data.
Health coverage and plan regulation
- SB 565requiring the commissioner of the insurance department to prepare and publish a report regarding fortified home and commercial standards, and other mitigation and resiliency programs.Takes effect 1 January 2027
What it requires: The commissioner of the insurance department must develop and make available consumer information and a report on fortified home and commercial standards and mitigation programs by January 1, 2028, and every 5 years thereafter. The commissioner must develop fortified home and commercial standards with reference to science-based standards from national insurance organizations. Due consideration must be given to these standards when determining insurance rates.
Property, catastrophe and climate risk
What it requires: Issuers of short-term, limited duration health insurance policies must not deliver or issue such policies for an initial term and total duration, including renewals or extensions, that exceeds the maximum length permitted under federal law.
Health coverage and plan regulation
- SB 610allowing the insurance commissioner to approve innovative short or long-term care policies.Enacted 22 June 2026
What it requires: The insurance commissioner must disapprove long-term care insurance forms within 30 days if benefits are unreasonable relative to premiums, the form contains unjust or misleading provisions, or it fails to comply with law or rules. The commissioner may approve innovative short or long-term care policies if issuance serves the public interest and benefits are reasonable relative to premiums.
Licensing, solvency and market conduct
- SB 655relative to employee leasing companies, workers' compensation coverage options, and a minimum wage exemption for minor league baseball players.Took effect 11 August 2026
What it requires: Parties to co-employment relationships must ensure workers' compensation insurance coverage is in place for all leased employees. When a client company elects to provide coverage, it must notify employees and the employee leasing company must report policy details to the commissioner within 30 days. Minor league baseball players compensated under collective bargaining agreements are exempted from minimum wage requirements.
Workers' compensation, surety and specialty lines
- HB 1323relative to parental alienation, limiting certain prior authorization requirements for physical therapy, occupational therapy, and similar rehabilitative services, relative to children's mental health services for persons 18 years of age and younger.Enacted 2 June 2026
What it requires: Health carriers must not require prior authorization for the first physical or occupational therapy visit in each new episode of care and must approve at least 8 medically necessary treatments after initial evaluation before requiring additional review. Assessable entities must pay assessments to the New Hampshire children's behavioral health association to fund childhood behavioral health services for children under 19.
Health coverage and plan regulation
What it requires: Health plans must disclose pricing information through three machine-readable files containing in-network rates, out-of-network allowed amounts and billed charges, and prescription drug negotiated rates and historical net prices. Files must be updated monthly, publicly available free of charge, and submitted to the commissioner in standardized format consistent with federal Executive Order 14221 guidance.
What it requires: Stock insurance companies organized on or after January 1, 2026, must maintain paid-up capital of at least $3,000,000 invested in securities readily convertible into cash, with at least half not secured by real estate loans, plus assets equal to outstanding liabilities. Health carriers must calculate patient cost-sharing for emergency and nonparticipating provider services based on the lesser of qualifying payment amount, billed amount, or allowed amount.
- SB 121requiring notice to the insurance department of the discontinuance of certain types of insurance, including Medicare Advantage Plans.Enacted 22 July 2025
What it requires: Any licensed insurance company authorized to transact business in the state must provide 90 days' written notice to the insurance department before ceasing to write an entire line of business. Any licensed insurance company offering Medicare Advantage Plans must provide 90 days' written notice to the insurance department of decisions to modify or terminate its contract with the Centers for Medicare and Medicaid Services, cease offering Medicare Advantage Plans in a particular county, or significantly modify Medicare Advantage Plan offerings, using the format prescribed by the commissioner.
Licensing, solvency and market conduct
- SB 47requiring certain health insurance policies of a birth mother to provide coverage for a newly born child from the moment of birth.Took effect 1 January 2026
Health coverage and plan regulation
- SB 28relative to workers' compensation claims involving emergency responders with acute stress disorder or post-traumatic stress disorder.Enacted 11 June 2025
Workers' compensation, surety and specialty lines
Health coverage and plan regulation
Insurance in New Hampshire, by topic
Health coverage and plan regulation
31 bills, 10 enacted. Enacted in 47 states.
Licensing, solvency and market conduct
11 bills, 4 enacted. Enacted in 47 states.
Workers' compensation, surety and specialty lines
10 bills, 3 enacted. Enacted in 45 states.
Auto insurance
5 bills. Enacted in 29 states.
Property, catastrophe and climate risk
3 bills, 1 enacted. Enacted in 31 states.
AI and data in underwriting and claims
2 bills. Enacted in 12 states.
Insurance bills in New Hampshire
The bills not yet law, furthest along first, with what each would do.
20Enacted
2Cleared both chambers
5Past committee
5Active in committee
31Introduced or inactive
63 bills in scope
Cleared both chambers
2
What it would do: Establishes standards for pooled risk management programs serving political subdivisions, including contingency reserve requirements (12-20% for health, 30-40% for workers' compensation and property/casualty), member equity stabilization funds, annual audits and actuarial evaluations, and grants the Secretary of State authority to enforce compliance and seek receivership for insolvent programs.
What it would do: Establishes and regulates political subdivision risk management programs allowing two or more political subdivisions to jointly cover risks through nonprofit arrangements, subject to commissioner approval, financial requirements, risk-based capital standards, and investment restrictions.
Past committee
5
What it would do: Creates the New Hampshire Children's Behavioral Health Association to assess insurance carriers, stop-loss carriers, and third-party administrators on assessable lives under 19 years old to fund childhood behavioral health services through a dedicated state fund.
What it would do: Requires health carriers to cover biomarker testing for diagnosis, treatment, management, or monitoring when demonstrating clinical utility through FDA approvals, CMS determinations, or clinical guidelines, effective January 1, 2027. Also requires state Medicaid to provide equivalent biomarker testing coverage.
What it would do: Requires health insurers to cover blood glucose monitoring and continuous glucose monitoring systems without requiring insulin use or specific testing frequency, mandates at least 2 of each device type in preferred providers or formularies, and requires endocrinology referral and prior authorization.
What it would do: Requires the insurance commissioner to hold annual public hearings on health insurance premium rates and cost drivers, prepare annual reports analyzing premium variations and health care spending trends, and collect health care data from carriers and state agencies to advance transparency and inform policymakers and consumers.
What it would do: Transfers regulation of pooled risk management programs from the secretary of state to the insurance commissioner, requires licensure, establishes governance and financial standards including minimum capital and excess insurance requirements, and creates a new chapter authorizing pooled risk management programs for political subdivisions.
Active in committee
5
What it would do: Establishes a commission to study how extreme weather impacts reinsurance rates and their effect on property insurance costs and availability in New Hampshire, with findings due November 1, 2026.
What it would do: Requires health care providers to furnish patients a written or electronic statement within 15 business days listing all medical services billed to their insurance carrier, including service descriptions, dates, billing codes, amounts billed and paid, and patient responsibility balances.
What it would do: Creates a bypass mechanism allowing health insurers to override step therapy protocols when medically necessary, including expedited review processes with specific timelines and prohibits step therapy for certain advanced metastatic cancer treatments.
What it would do: Prohibits financial institutions and insurers from denying or canceling services based on political opinions, religious beliefs, firearm ownership, fossil fuel engagement, immigration enforcement support, environmental or social governance standards, or diversity programs, unless decisions are quantitative, impartial, and risk-based.
What it would do: Prohibits insurers from auditing provider services after delivery but before payment. If violated, insurers must pay the provider promptly with 15 percent annual interest, hold patients harmless from cost-sharing, reimburse provider enforcement costs, and waive rights to retrospective review.
Introduced or inactive
13 of 31 shown
What it would do: Requires all health insurance plans in New Hampshire to cover pelvic-floor physical therapy as a rehabilitative benefit for specified diagnoses, including initial evaluations without prior authorization and up to 12 weeks of supervised treatment, and mandates insurers report annually on utilization and outcomes data to the Insurance Department.
What it would do: Prohibits health carriers from requiring prior authorization for the first 12 visits of physical therapy, occupational therapy, or similar rehabilitative services for each new episode of care, defined as treatment for a new condition or one not treated in the previous 60 days.
What it would do: Requires health insurers, health service corporations, and health maintenance organizations to provide coverage for certain biologically-based mental illnesses consistent with New Hampshire Medicaid scope of coverage and reimbursement rates, and mandates mental health provider reimbursements be at least as favorable as primary care provider reimbursements.
What it would do: Requires written agreements between pharmacy benefits managers and health carriers, increases administrative fines to $10,000 per violation, mandates semi-annual PBM reporting on rebates and fees, requires pharmacies to notify consumers of lowest available drug prices, and prohibits health carriers or PBMs from penalizing covered persons for not using affiliated pharmacies.
What it would do: Prohibits pharmacy benefit managers from retaining income except through transparent fees, bans spread pricing and retroactive claim recoupments, requires all manufacturer rebates pass through to plans or members, mandates confidential reporting to the insurance department, and establishes fiduciary duties to enrollees, health plans, and providers.
What it would do: Establishes fiduciary duties for pharmacy benefit managers to health carriers, prohibits retention of spread pricing, expands the definition of rebates, and requires quarterly reporting to the insurance commissioner on rebates, administrative fees, and retained rebate ratios.
What it would do: Requires advance notice to the Department of Justice for material health care transactions involving changes of control, private equity, or for-profit entities, and authorizes the Department to review and prohibit transactions likely to harm competition, cost, access, or quality of care. Establishes a legislative study committee to analyze health insurance providers' practices and impact on consumers.
What it would do: Proposes a constitutional amendment to make the commissioner of the department of insurance an elected position chosen by qualified voters at biennial general elections beginning in 2028, with a two-year term, rather than appointed by the governor.
What it would do: Requires motor vehicle insurers in New Hampshire to offer premium discounts on liability, collision, and comprehensive coverage for vehicles passing annual safety inspections, with discounts actuarially justified and filed with the insurance department, while prohibiting penalties for non-participation.
What it would do: Prohibits motor vehicle insurers from requiring increased premiums or coverage conditions on an insured solely because a spouse, household member, or relative by marriage has a suspended or revoked license or DWI conviction, unless that person is a named insured or listed driver on the policy.
What it would do: Prohibits insurers from using credit information, credit scores, or consumer reports in underwriting, rating, or issuing personal automobile and homeowners insurance policies. Also prohibits insurers from using drones, satellites, or commercial imagery for homeowners insurance underwriting without express written property owner permission.
What it would do: Requires health insurance carriers to submit annual reports to the insurance commissioner detailing mental health and substance use disorder coverage policies, procedures, and data. Requires the commissioner of health and human services to prepare similar reports regarding mental health coverage under state Medicaid programs.
What it would do: Requires the insurance department to conduct a detailed analysis and report assessing compliance with New Hampshire's managed care and medical utilization review laws (RSA 420-E and RSA 420-J) in consultation with community physicians, and submit findings and penalty recommendations by November 1, 2026.
Showing the 25 furthest along of 43. Subscribers see all of them, filtered and searchable. Bill titles link to the New Hampshire Legislature's own page.
What counts as insurance legislation
In scope: Health coverage and plan regulation; auto; property and catastrophe; life and annuities; aI and data in underwriting; workers' compensation and specialty lines; and licensing, solvency and market conduct.
Questions
Does New Hampshire have an insurance law?
Yes. New Hampshire enacted 20 insurance laws in the 2025 and 2026 sessions, among them HB 1554, HB 1194 and HB 241. Each is listed on this page with what it requires.
When do New Hampshire's insurance laws take effect?
HB 1194 on 15 July 2026, HB 1197 on 1 January 2027, SB 408 on 1 January 2028, SB 550 on 1 January 2027 and SB 614 on 1 July 2027. The others have no single date in their text.
Which insurance bills are moving in New Hampshire?
7 bills not yet law have passed a committee or a chamber, the furthest along SB 661 (vetoed), HB 1491 (vetoed) and SB 498 (passed chamber).
What does New Hampshire legislate on most in insurance?
Health coverage and plan regulation (31 bills), Licensing, solvency and market conduct (11 bills) and Workers' compensation, surety and specialty lines (10 bills).
Are these summaries reviewed by a lawyer?
No. Which bills count as Insurance bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.
Other practice areas in New Hampshire
- AI in New Hampshire11
- Alcohol in New Hampshire24
- Cannabis in New Hampshire22
- Children's Online Safety in New Hampshire5
- Cybersecurity in New Hampshire4
- Data center and energy in New Hampshire6
- Data Privacy in New Hampshire14
- Employment in New Hampshire36
- Healthcare in New Hampshire87
- Intellectual Property in New Hampshire5
- Packaging and PFAS in New Hampshire9
- Payments and fintech in New Hampshire6
- Rental housing in New Hampshire17
- Tobacco and nicotine in New Hampshire8
- Transportation in New Hampshire4
- All jurisdictions
Insurance legislation in other jurisdictions
52 more currently hold bills in this tracker
- New Jersey539
- New York481
- Texas314
- Massachusetts246
- Connecticut230
- Louisiana214
- Maryland208
- Missouri197
- Hawaii190
- Rhode Island188
- Mississippi187
- Florida185
- West Virginia175
- Illinois174
- Virginia158
- Montana155
- Oklahoma152
- Pennsylvania152
- California146
- Michigan137
- Iowa127
- Georgia112
- Kentucky109
- Tennessee99
- Indiana93
- Arizona91
- South Carolina86
- North Carolina80
- Minnesota78
- Oregon74
- Ohio70
- Utah70
- Arkansas68
- Washington67
- Kansas66
- Maine66
- Nebraska60
- New Mexico59
- Colorado56
- Nevada54
- Congress48
- Wisconsin48
- Idaho47
- Alaska38
- Alabama32
- Delaware30
- North Dakota29
- Vermont29
- South Dakota21
- District of Columbia8
- Puerto Rico6
- Wyoming4
Know when New Hampshire's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.