New Hampshire Code of Administrative Rules
Ins - Commissioner, Insurance Department
Chapter Ins 1900 - ACCIDENT AND HEALTH INSURANCE
Part Ins 1907 - NONDISCRIMINATION IN HEALTH INSURANCE COVERAGE IN THE GROUP MARKET
Section Ins 1907.04 - Prohibited Discrimination in Premium and Contribution Rates
Current through Register No. 12, March 21, 2024
(a) A carrier subject to this chapter shall:
(b) Nothing in this section restricts the aggregate amount that a carrier subject to this chapter may charge an employer for coverage under a plan. However, a carrier subject to this chapter shall not quote or charge an employer or an individual participant or beneficiary a different premium than that quoted or charged an individual in a group of similarly situated individuals based on a health factor unless permitted under Ins 1907.03(c) or (d) below.
(d) Notwithstanding (a) and (b) above, a carrier subject to this chapter may establish a premium or contribution differential based on whether an individual has complied with the requirements of a bona fide wellness program.
(e) Nothing in this section prohibits a carrier subject to this chapter from charging an individual a premium or contribution rate that is less than the premium or contribution rate for similarly situated individuals if the lower charge is based on an adverse health factor of the individual, such as a disability.
#8607, eff 4-17-06