Ever been dropped by an insurance plan with no warning? For many, especially seniors relying on Medicare Advantage plans, abrupt withdrawals by insurers can cause significant disruption. To address this issue, New Hampshire has introduced a new law requiring insurers to notify both the state and policyholders before exiting a line of business. This ensures regulatory agencies have time to provide guidance, and seniors can plan ahead instead of being blindsided.
- Transparency is key. It helps create a safety net when companies decide to pivot.
- While it may not stop insurers from leaving altogether, it gives people a heads-up, softening the blow.
Surprise Ambulance Bills—Banned for Good
Imagine receiving a bill for hundreds or even thousands of dollars weeks after using an ambulance service—an unpleasant surprise known as “balance billing.” In New Hampshire, this practice is now illegal. The new law prohibits ambulance companies from adding uncovered costs to a patient’s tab and mandates insurance companies to reimburse ambulance services at higher rates starting next year.
- No more financial stress between individuals and life-saving services.
- Guarantees more reliable payments for ambulance providers, helping them stay afloat.
New Hampshire stands out in health care rankings, recently named #1 overall in the nation by WalletHub. With one of the lowest average monthly health insurance premiums at $407, the state ranks highly in both cost and outcomes, meaning residents pay less and get strong results for their money.
- Affordability is a standout feature, but access remains an area for improvement, ranking #15 nationally.
- Despite this, New Hampshire’s approach combining competitive pricing, quality emphasis, and a free-market strategy is proving successful.
The Takeaway
What do these changes mean for New Hampshire residents? Confidence. Confidence in the system, in the protections in place, and in accessing care without fear of unexpected costs. While there’s still work to be done, especially in improving access, New Hampshire’s new laws and national recognition highlight what can happen when policymakers focus on real issues consumers face.
- Neighboring states may follow suit, inspired by New Hampshire’s model.
- For now, New Hampshire isn’t just part of the conversation—it’s setting the tone in healthcare reform.
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