420-G:4-d Essential Health Benefits. – I. All health coverage offered by health carriers to individuals or small employers shall include coverage for essential health benefits and provide essential health benefits in a plan substantially equivalent to New Hampshire’s essential health benefit benchmark plan in effect for the plan year 2019. II. If the federal […]
420-G:5 Medical Underwriting. – I. Health carriers providing health coverage shall not perform medical underwriting, including the use of health statements or screenings or the use of prior claims history. II. Regardless of claim experience, health status, or medical history, health carriers providing health coverage for individual or small employers shall not refuse to […]
420-G:6 Guaranteed Issue and Renewability. – I. Health carriers shall not establish rules of eligibility, including continued eligibility, for health coverage in relation to the following health status related factors of any employee or dependent: (a) Health status. (b) Medical condition, including both physical and mental illness. (c) Claims experience. (d) Receipt of health […]
420-G:7 Preexisting Condition Exclusion Periods. – A health carrier shall not impose any preexisting condition exclusion with respect to coverage in the individual, small group, or large group market. Source. 1997, 344:1. 2003, 188:11, 12. 2007, 289:23, eff. Jan. 1, 2008. 2019, 220:8, eff. Sept. 10, 2019.
420-G:8 Open Enrollment. – I. Each small employer group shall have an annual employee open enrollment period 60 days in length, occurring prior to the small employer group’s anniversary date. During open enrollment, employees or eligible dependents may apply to the small employer for health coverage or make a change in their membership status […]
420-G:9 Minimum Participation Requirements. – I. A health carrier may not require more than the minimum participation percentage of the employees eligible for health coverage in a small employer group to participate in the health carrier’s health coverage plan. The minimum participation percentage shall be 75 percent when the health carrier’s plan is the […]
