New Hampshire Healthcare Insurance laws & compensation compliance analysis

New Hampshire Healthcare Insurance: What you need to know

There is no state law requiring employers to offer group healthcare insurance to their employees, but most employers do provide this benefit. However, if any healthcare insurance is offered, New Hampshire's insurance laws require policies to cover certain benefits (mandated benefits) and give employees the right to continue group coverage in certain circumstances if group coverage is lost.
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States are not permitted to regulate self-insured benefit plans. New Hampshire's mandated benefits, continuation, and conversion provisions do not apply to health plans in which the employer pays all benefits without the proceeds of any insurance policy. An employer's health plan is self-insured if the risk of paying claims is on the employer and not on an insurance company. Self-insured plans may contract with third-party administrators (TPAs), including insurance companies, to process benefit claims. The TPA pays the claims and then is reimbursed by the employer. Many self-insured plans also buy “stop-loss” insurance to cover very large claims. The purchase of stop-loss insurance does not result in the loss of self-insured status and the exemption from state insurance law regulation.
New Hampshire law requires insurers to offer the same group health benefit coverage for part-time employees that is provided for full-time employees (N.H. Rev. Stat. Ann. Sec. 415:18(q)). The employer may elect whether or not to cover part-timers. Coverage of part-timers may be paid for fully by the employer, partially by the employer and partially by the employee, or fully by the employee. A part-time employee is defined as any employee who works at least half the weekly hours of a full-time employee ...

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