Employee Health Benefits in New Hampshire

New Hampshire RSA 415:18 provides continuation after group-plan loss, generally for 18 months, and a shorter 39-week route when the entire group policy ends. Separately, RSA 420-G gives small-employer groups a 60-day annual open-enrollment period before the plan anniversary.

What Is Employee Health Benefits?

Employer health benefits give eligible staff access to medical care through a group plan or another employer arrangement. When setting a budget or renewing, compare eligibility, provider networks, employee contributions and total cost. Read the national Employee health and benefits guide.

What to Watch for With Employee Health Benefits in New Hampshire

Distinguish individual loss from group termination
New Hampshire provides 18 months after an individual loses group coverage in the ordinary case, but 39 weeks when the entire group insurance ends. Ask the carrier how the policy handles both events if the employer may discontinue the plan. ¹
Plan the annual 60-day open enrollment
Small-employer groups must have an annual 60-day employee open-enrollment period before the group anniversary. Request the carrier calendar early enough to distribute notices and include eligible dependents. ²
Check eligibility exceptions in the actual policy
RSA 415:18 has event-specific periods and exceptions, including Medicare and other coverage. Have the administrator confirm the applicable subsection and election deadline for each employee rather than quoting a single continuation duration. ¹

Providers With New Hampshire License Records

No provider in our research has both a state license record and a listing for this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in New Hampshire?

New Hampshire Insurance Department

The New Hampshire Insurance Department licenses insurance producers and insurers, oversees insurance markets and investigates complaints concerning entities within the Commissioner’s authority. Its consumer services line is 800-852-3416. ^3,^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-852-3416

Surplus-Lines Tax and Stamping Office in New Hampshire

Reported tax rate. 3% on the New Hampshire allocation; other-state allocations use those states’ rates and fees ^7,^8,⁹

New Hampshire charges 3% on gross premium allocated to New Hampshire; for multistate coverage, premium allocated elsewhere is taxed at the rates and fees applicable in those jurisdictions, less qualifying returned premium. The policy notice states that the New Hampshire Guaranty Association will not be liable for surplus-lines policies; placement ordinarily requires proof that admitted coverage cannot be obtained.

Questions to Ask Before You Buy Employee Health Benefits in New Hampshire

Which New Hampshire group-plan rules apply to this employer and funding arrangement?
What dates, notices, premiums, and benefits does the carrier require for a continuation election?
Which employees and dependents are eligible, and how does the plan document confirm that?