Market Regulation

The mission of the New Hampshire Insurance Department is to promote and protect the public good by ensuring the existence of a safe and competitive insurance marketplace through the development and enforcement of the insurance laws of the State of New Hampshire. We are committed to doing so in an honest, effective and timely manner.

Market Conduct Annual Statement

The Market Conduct Annual Statement (MCAS) was developed through the National Association of Insurance Commissioner (NAIC) with input from both state insurance regulators and the insurance industry. MCAS provides market regulators with information not otherwise available for their market analysis initiatives. It promotes uniform analysis by applying consistent measurements and comparisons between companies. MCAS enables companies to use this information in identifying areas where opportunities may exist for the company to improve its performance.

For more information about the MCAS, please visit: https://content.naic.org/mcas_2020.htm

Market Conduct Annual Statement Industry Averages

The New Hampshire statewide average ratios and charts are for informational purposes only and do not represent standards for market behavior.  This information does not establish compliance or noncompliance. This data cannot be used in any form of company advertising or marketing. The statewide average ratios are provided to you for comparison between your company’s performance and the aggregate market in New Hampshire.

This page contains information about the New Hampshire Insurance Department's market conduct examinations on substance use disorder treatment practices of the states three largest health insurance companies.

  • In November 2015, the Department began a formal market conduct examination to look very specifically at how health insurance companies handle preauthorization, claim denials, and utilization review practices for substance use disorder claims. The examination is also focusing on covered persons' access to substance use disorder treatment providers -- including whether the companies' networks are adequate -- and on the companies' systems for handling appeals of claim denials. The market conduct examination looks at 2015 claims.
  • On Feb. 19, 2016, the Insurance Department presented its preliminary findings to the Governor's Commission on Alcohol and Drug Abuse Prevention, Treatment, and Recovery (a link to the presentation: Insurers' SUD Claims Handling Practices: Preliminary Findings).
  • After the first phase of the examination, the Insurance Department expanded the scope to include medication assisted treatment and parity.

This page contains information about the New Hampshire Insurance Department's market conduct examinations of health insurance companies under the Mental Health Parity and Addiction Equity Act of 2008.

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In 2017, the New Hampshire Insurance Department declared market conduct examinations of Anthem, Ambetter by NH Healthy Families, and Harvard Pilgrim. The Examination Reports reflect an 18-month look at the companies' adherence to the parity law during the exam period of January 2016 to July 2017.

The Parity Act is a federal law that requires health insurance companies to cover mental health and substance use disorder (MH/SUD) services in parity with medical and surgical (M/S) services. This includes a requirement that any treatment limitations in a benefit plan can be no more restrictive for MH/SUD services than they are for M/S services.