Establishing an association health plan pilot program.
Impact
The bill is expected to create a more accessible health insurance option for small businesses and self-employed individuals who may struggle to find affordable health coverage. By allowing the formation of AHPs, it permits groups to pool together to negotiate better rates and coverage. However, it also carries potential risks, as critics caution that such plans could lead to insufficient coverage or higher costs for those in high-risk categories, thereby affecting the overall stability of the insurance market within the state.
Summary
Senate Bill 286 establishes a pilot program for association health plans (AHP) in New Hampshire, aiming to broaden access to health insurance for individuals across various professions, lines of business, or geographic regions. The program will be developed and implemented by the insurance commissioner by January 1, 2023, and is designed to include all state-mandated health plan coverage, ensuring no participant is exempt based on health history or age. Only 1,000 participants will be allowed in the program, adhering to the United States Department of Labor's regulations regarding AHPs.
Contention
Discussions surrounding SB 286 have highlighted notable points of contention, particularly about the nature of coverage and who benefits most from association health plans. Proponents argue that AHPs will reduce costs and improve access to insurance, while opponents raise concerns regarding the potential for discrimination against those with pre-existing conditions. The requirement for the commissioner to report annually on the program's status aims to address accountability, yet concerns persist about who gets to design the coverage and the adequacy of benefits provided under such a scheme.
Establishing a 4-year pilot program to improve rail trails in New Hampshire, including the establishment of 2 funds, the rail trails program fund and the emergency trail repair fund, and making appropriations therefor.
(New Title) establishing a special veterans license plate and creating a fund and administrative programs from the proceeds of the sale of such plates and establishing the New Hampshire first for veterans program and authority.
Establishing the adverse childhood experiences (ACEs) prevention and treatment program and making an appropriation to the department of health and human services for this purpose.