reglab/housing_qa huggingface dataset:
NH Rev Stat § 415-E:9 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-E - Multiple-Employer Welfare Arrangements|Section 415-E:9 - Employer Participants' Liability.

[RSA 415-E:9 effective until 60 days after certification by the insurance commissioner that 29 C.F.R. section 2510.3-5(b) is valid and that issues raised in State of New York v. United States Department of Labor have been resolved, but not later than December 1, 2021; see also RSA 415-E:9 set out below.] |    415-E:9 Employer Participants' Liability. –||I. The liability of each employer participant for the obligations of the multiple-employer welfare arrangement shall be individual, several, and proportionate, but not joint.||II. Each employer participant shall have a contingent assessment liability pursuant to 415-E:10 for payment of actual losses and expenses incurred while the policy was in force.||III. Each policy issued by the arrangement shall contain a statement of the contingent liability. Both the application for insurance and policy shall contain, in contrasting color and not less than 10-point type, the following statement: "This is a fully assessable policy. In the event the arrangement is unable to pay its obligations, policyholders (employers) shall be required to contribute on a pro rata earned premium basis the money necessary to meet any unfulfilled obligations."|||[RSA 415-E:9 effective 60 days after certification by the insurance commissioner that 29 C.F.R. section 2510.3-5(b) is valid and that issues raised in State of New York v. United States Department of Labor have been resolved, but not later than December 1, 2021; see also RSA 415-E:9 above.] ||||415-E:9 Self-Funded Arrangements;  Employer Participants' Liability. –||For self-funded arrangements:||I. The liability of each employer participant for the obligations of the multiple-employer welfare arrangement shall be individual, several, and proportionate, but not joint.||II. Each employer participant shall have a contingent assessment liability pursuant to 415-E:10 for payment of actual losses and expenses incurred while the policy was in force.||III. Each policy issued by the arrangement shall contain a statement of the contingent liability. Both the application for insurance and policy shall contain, in contrasting color and not less than 10-point type, the following statement: "This is a fully assessable policy. In the event the arrangement is unable to pay its obligations, policyholders (employers) shall be required to contribute on a pro rata earned premium basis the money necessary to meet any unfulfilled obligations."||||Source. 1991, 246:1, eff. Jan. 1, 1992. 2019, 346:407.|
NH Rev Stat § 415-E:10 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-E - Multiple-Employer Welfare Arrangements|Section 415-E:10 - Termination of Arrangement.

[RSA 415-E:10 effective until 60 days after certification by the insurance commissioner that 29 C.F.R. section 2510.3-5(b) is valid and that issues raised in State of New York v. United States Department of Labor have been resolved, but not later than December 1, 2021; see also RSA 415-E:10 set out below.] |    415-E:10 Termination of Arrangement. –||If an arrangement is terminated for any reason, it shall pay all outstanding claims, debts, and obligations. The arrangement may retain sufficient funds to provide coverage for such additional period as the trustees of the arrangement consider prudent. In addition, the trustees may purchase such additional insurance as they consider necessary for protection against potential future claims. Any funds remaining in the arrangement after satisfaction of all obligations upon termination shall be paid to participating employers and/or covered employees as of the termination date in some equitable manner meeting with the approval of the commissioner, including, without ruling out other alternatives, equally on a per capita basis to each participating employer and/or employee who is covered under the arrangement as of the effective date of termination.|||[RSA 415-E:10 effective 60 days after certification by the insurance commissioner that 29 C.F.R. section 2510.3-5(b) is valid and that issues raised in State of New York v. United States Department of Labor have been resolved, but not later than December 1, 2021; see also RSA 415-E:10 above.] ||||415-E:10 Self-Funded Arrangements;  Termination of Arrangement. –||For self-funded arrangements, if an arrangement is terminated for any reason, it shall pay all outstanding claims, debts, and obligations. The arrangement may retain sufficient funds to provide coverage for such additional period as the trustees of the arrangement consider prudent. In addition, the trustees may purchase such additional insurance as they consider necessary for protection against potential future claims. Any funds remaining in the arrangement after satisfaction of all obligations upon termination shall be paid to participating employers and/or covered employees as of the termination date in some equitable manner meeting with the approval of the commissioner, including, without ruling out other alternatives, equally on a per capita basis to each participating employer and/or employee who is covered under the arrangement as of the effective date of termination.||||Source. 1991, 246:1, eff. Jan. 1, 1992. 2019, 346:407.|
NH Rev Stat § 415-E:12 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-E - Multiple-Employer Welfare Arrangements|Section 415-E:12 - Place of Business; Maintenance of Records.

[RSA 415-E:12 effective until 60 days after certification by the insurance commissioner that 29 C.F.R. section 2510.3-5(b) is valid and that issues raised in State of New York v. United States Department of Labor have been resolved, but not later than December 1, 2021; see also RSA 415-E:12 set out below.] |    415-E:12 Place of Business;  Maintenance of Records. –||Each arrangement shall have and maintain its principal place of business in this state and shall make available to the commissioner complete records of its assets, transactions, and affairs in accordance with such methods and systems as are customary for, or suitable to, the kind or kinds of business transacted.|||[RSA 415-E:12 effective 60 days after certification by the insurance commissioner that 29 C.F.R. section 2510.3-5(b) is valid and that issues raised in State of New York v. United States Department of Labor have been resolved, but not later than December 1, 2021; see also RSA 415-E:12 above.] ||||415-E:12 Maintenance of Records. –||Each arrangement shall make available to the commissioner complete records of its assets, transactions, and affairs in accordance with such methods and systems as are customary for, or suitable to, the kind or kinds of business transacted.||||Source. 1991, 246:1, eff. Jan. 1, 1992. 2019, 346:407.|
NH Rev Stat § 415-E:14 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-E - Multiple-Employer Welfare Arrangements|Section 415-E:14 - Penalties.

    415-E:14 Penalties. –||I. Subject to other provisions in this chapter, any arrangement that fails to obtain and maintain a valid approval from the commissioner while operating or maintaining a multiple-employer welfare arrangement shall be subject to a fine of not less than $5,000 or more than $50,000 for each violation.||II. Subject to other provisions in this chapter, the commissioner may issue a cease and desist order if he finds any person operating or maintaining a multiple-employer welfare arrangement without a currently effective certificate of approval.|||Source. 1991, 246:1, eff. Jan. 1, 1992.|
NH Rev Stat § 415-E:15 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-E - Multiple-Employer Welfare Arrangements|Section 415-E:15 - Rehabilitation, Dissolution.

[RSA 415-E:15 effective until 60 days after certification by the insurance commissioner that 29 C.F.R. section 2510.3-5(b) is valid and that issues raised in State of New York v. United States Department of Labor have been resolved, but not later than December 1, 2021; see also RSA 415-E:15 set out below.] |    415-E:15 Rehabilitation, Dissolution. –||Any rehabilitation, liquidation, conservation, or dissolution of a multiple-employer welfare arrangement shall be conducted under the supervision of the commissioner, who shall have all power with respect thereto granted to it under the laws governing the rehabilitation, liquidation, conservation, or dissolution of insurers.|||[RSA 415-E:15 effective 60 days after certification by the insurance commissioner that 29 C.F.R. section 2510.3-5(b) is valid and that issues raised in State of New York v. United States Department of Labor have been resolved, but not later than December 1, 2021; see also RSA 415-E:15 above.] ||||415-E:15 Rehabilitation, Dissolution. –||Any rehabilitation, liquidation, conservation, supervision, or dissolution of a multiple-employer welfare arrangement shall be conducted under the supervision of the commissioner, who shall have all power with respect thereto granted to it under the laws governing the rehabilitation, liquidation, conservation, supervision, or dissolution of insurers.||||Source. 1991, 246:1, eff. Jan. 1, 1992. 2019, 346:408.|
NH Rev Stat § 415-E:16 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-E - Multiple-Employer Welfare Arrangements|Section 415-E:16 - Rulemaking.

[RSA 415-E:16 effective until 60 days after certification by the insurance commissioner that 29 C.F.R. section 2510.3-5(b) is valid and that issues raised in State of New York v. United States Department of Labor have been resolved, but not later than December 1, 2021; see also RSA 415-E:16 set out below.] |    415-E:16 Rulemaking. –||The commissioner may adopt such rules, pursuant to RSA 541-A, as he deems reasonable and necessary in order to carry out properly the functions and responsibilities assigned the insurance department under the laws of the state. This rulemaking authority shall expire on January 1, 1993, at which time this section, unless replaced by a later legislative enactment, shall be deemed repealed. Any rules adopted under this section shall be drafted in as narrow a manner as possible, consistent with the authority granted the department under the laws of this state.|||[RSA 415-E:16 effective 60 days after certification by the insurance commissioner that 29 C.F.R. section 2510.3-5(b) is valid and that issues raised in State of New York v. United States Department of Labor have been resolved, but not later than December 1, 2021; see also RSA 415-E:16 above.] ||||415-E:16 Rulemaking. –||The commissioner may adopt such rules, pursuant to RSA 541-A, as are reasonable and necessary in order to carry out properly the functions and responsibilities assigned the insurance department under this chapter.||||Source. 1991, 246:1, eff. Jan. 1, 1992. 2019, 346:408.|
NH Rev Stat § 415-F:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-F - Medicare Supplemental Insurance|Section 415-F:1 - Definitions.

    415-F:1 Definitions. –||In this chapter:||I. "Applicant" means:||(a) In the case of an individual Medicare supplement policy, the person who seeks to contract for insurance benefits; and||(b) In the case of a group Medicare supplement policy, the proposed certificate holder.||II. "Certificate" means any certificate advertised, solicited, delivered or issued for delivery in this state under a group Medicare supplement policy.||III. "Certificate form" means the form on which the certificate is advertised, solicited, delivered or issued for delivery by the issuer.||IV. "Issuer" includes insurance companies, fraternal benefit societies, nonprofit health service corporations, health maintenance organizations, and any other entity advertising, soliciting, delivering or issuing for delivery in this state Medicare supplement policies or certificates.||V. "Medicare" means the "Health Insurance for the Aged Act," Title XVIII of the Social Security Amendments of 1965, as then constituted or later amended.||VI. "Medicare supplement policy" means a group or individual policy of accident and sickness insurance or a subscriber contract of hospital and medical service corporations, nonprofit health service corporations, or health maintenance organizations other than a policy issued pursuant to a contract under Section 1876 of the federal Social Security Act (42 U.S.C. Section 1395 et seq.), or an issued policy under a demonstration project specified in 42 U.S.C. Section 1395 (a)(1), which is advertised, marketed or designed primarily as a supplement to reimbursements under Medicare or the hospital, medical or surgical expenses of persons eligible for Medicare.||VII. "Policy form" means the form on which the policy is delivered or issued for delivery by the issuer.|||Source. 1994, 233:1. 1996, 188:15, 16, eff. Jan. 1, 1997.|
NH Rev Stat § 415-F:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-F - Medicare Supplemental Insurance|Section 415-F:2 - Applicability and Scope.

    415-F:2 Applicability and Scope. –||I. Except as otherwise specifically provided in RSA 415-F:4, this chapter shall apply to:||(a) All Medicare supplement policies delivered or issued for delivery in this state on or after January 1, 1995; and||(b) All certificates issued under group Medicare supplement policies, which certificates have been delivered or issued for delivery in this state.||II. This chapter shall not apply to a policy of one or more employers or labor organizations, or of the trustees of a fund established by one or more employers or labor organizations, or combination thereof, for employees or former employees or a combination of employees or former employees, or for members or former members, or a combination of members or former members, of the labor organizations.||III. Except as otherwise specifically provided in RSA 415-F:5, III, the provisions of this chapter are not intended to prohibit or apply to insurance policies or health care benefit plans, including group conversion policies, provided to Medicare eligible persons, which policies are not marketed or held to be Medicare supplement policies or benefit plans.|||Source. 1994, 233:1. 1996, 188:17, eff. Jan. 1, 1997.|
NH Rev Stat § 415-F:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-F - Medicare Supplemental Insurance|Section 415-F:4 - Loss Ratio Standards.

    415-F:4 Loss Ratio Standards. –||Medicare supplement policies shall return to policyholders benefits which are reasonable in relation to the premium charged. The commissioner shall issue reasonable regulations to establish minimum standards for loss ratios of Medicare supplement policies on the basis of incurred claims experience, or incurred health care expenses where coverage is provided by a health maintenance organization on a service rather than reimbursement basis, and earned premiums in accordance with accepted actuarial principles and practices.|||Source. 1994, 233:1, eff. Jan. 1, 1995.|
NH Rev Stat § 415-F:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-F - Medicare Supplemental Insurance|Section 415-F:5 - Disclosure Standards.

    415-F:5 Disclosure Standards. –||I. In order to provide for full and fair disclosure in the sale of Medicare supplement policies, no Medicare supplement policy or certificate shall be delivered in this state unless an outline of coverage is delivered to the applicant at the time application is made.||II. The commissioner shall prescribe the format and content of the outline of coverage required by 415-A:5, I. For purposes of this section, "format" means style, arrangements and overall appearance, including such items as size, color, and prominence of type and arrangement of text and captions. Such outline of coverage shall include:||(a) A description of the principal benefits and coverage provided in the policy.||(b) A statement of the renewal provisions, including any reservations by the issuer of a right to change premiums, and disclosure of the existence of any automatic renewal premium increases based on the policyholder's age.||(c) A statement that the outline of coverage is a summary of the policy issued or applied for and that the policy should be consulted to determine governing contractual provisions.||III. The commissioner may prescribe by rule a standard form and the contents of an informational brochure for persons eligible for Medicare, which is intended to improve the buyer's ability to select the most appropriate coverage and improve the buyer's understanding of Medicare. Except in the case of direct response insurance policies, the commissioner may require by rule that the informational brochure be provided to any prospective insureds eligible for Medicare concurrently with delivery of the outline of coverage. With respect to direct response insurance policies, the commissioner may require by rule that the prescribed brochure be provided upon request to any prospective insureds eligible for Medicare, but in no event later than the time of policy delivery.||IV. The commissioner may adopt rules under RSA 541-A for captions or notice requirements, determined to be in the public interest and designed to inform prospective insureds that particular insurance coverages are not Medicare supplement coverages, for all accident and sickness insurance policies sold to persons eligible for Medicare, other than:||(a) Medicare supplement policies.||(b) Disability income policies.||V. The commissioner may adopt rules under RSA 541-A to govern the full and fair disclosure of the information in connection with the replacement of accident and sickness policies, subscriber contracts or certificates by persons eligible for Medicare.|||Source. 1994, 233:1. 1996, 188:18, eff. Jan. 1, 1997.|
NH Rev Stat § 415-F:6 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-F - Medicare Supplemental Insurance|Section 415-F:6 - Notice of Free Examination.

    415-F:6 Notice of Free Examination. –||Medicare supplement policies and certificates shall have a notice prominently printed on the first page of the policy or certificate or attached thereto stating in substance that the applicant shall have the right to return the policy or certificate within 30 days of its delivery and to have the premium refunded if, after examination of the policy or certificate, the applicant is not satisfied for any reason. Any refund made pursuant to this section shall be paid directly to the applicant by the issuer in a timely manner.|||Source. 1994, 233:1, eff. Jan. 1, 1995.|
NH Rev Stat § 415-F:7 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-F - Medicare Supplemental Insurance|Section 415-F:7 - Filing Requirements for Advertising.

    415-F:7 Filing Requirements for Advertising. –||Every issuer of Medicare supplement insurance policies or certificates in this state shall provide a copy of any Medicare supplement advertisement intended for use in this state whether through written, radio or television medium to the commissioner of this state for review or approval by the commissioner to the extent it may be required under state law.|||Source. 1994, 233:1, eff. Jan. 1, 1995.|
NH Rev Stat § 415-F:8 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-F - Medicare Supplemental Insurance|Section 415-F:8 - Penalties.

    415-F:8 Penalties. –||In addition to any other applicable penalties for violations of the insurance code, the commissioner may require issuers violating any provision of this chapter or rules adopted pursuant to this chapter to cease marketing any Medicare supplement policy or certificate in this state which is related directly or indirectly to a violation or may require such issuer to take such actions as are necessary to comply with the provisions of this chapter, or both.|||Source. 1994, 233:1, eff. Jan. 1, 1995.|
NH Rev Stat § 415-F:9 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-F - Medicare Supplemental Insurance|Section 415-F:9 - Premiums.

    415-F:9 Premiums. –||Upon a Medicare eligible disabled member attaining the age of 65, no issuer shall continue to charge that member the under age 65 premium.|||Source. 2021, 119:2, Pt. IV, Sec. 1, eff. Jan. 1, 2022.|
NH Rev Stat § 415-H:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-H - Stop Loss Insurance|Section 415-H:1 - Purpose and Intent.

    415-H:1 Purpose and Intent. –||This chapter shall be known as the Stop Loss Insurance Act. The purpose of this chapter is to establish criteria for the issuance of stop loss insurance policies. Nothing in this chapter shall be construed as imposing any requirement or duty on any person other than an insurer or as treating any stop loss policy as a direct policy of health insurance.|||Source. 2006, 217:1, eff. Jan. 1, 2007.|
NH Rev Stat § 415-H:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-H - Stop Loss Insurance|Section 415-H:2 - Definitions.

    415-H:2 Definitions. –||I. "Actuarial certification" means a written statement by a member of the American Academy of Actuaries, or other individual acceptable to the commissioner, that an insurer is in compliance with the provisions of this chapter, based upon the individual's examination and including a review of the appropriate records and the actuarial assumptions and methods used by the insurer in establishing attachment points and other applicable determinations in conjunction with the provision of stop loss insurance coverage.||II. "Attachment point" means the claims amount incurred by an insured group beyond which the insurer incurs a liability for payment.||III. "Expected claims" means the amount of claims that, in the absence of a stop loss policy or other insurance, are projected to be incurred by an insured group through its health plan.|||Source. 2006, 217:1, eff. Jan. 1, 2007.|
NH Rev Stat § 415-H:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-H - Stop Loss Insurance|Section 415-H:3 - Stop Loss Insurance Coverage Standards.

    415-H:3 Stop Loss Insurance Coverage Standards. –||I. An insurer shall not issue or renew a stop loss insurance policy or certificate that:||(a) Has an annual attachment point for claims incurred per individual which is lower than $20,000;||(b) Has an annual aggregate attachment point, for groups of 50 or fewer, that is lower than the greater of:||(1) $4,000 times the number of group members;||(2) 120 percent of expected claims; or||(3) $20,000;||(c) Has an annual aggregate attachment point for groups of 51 or more that is lower than 110 percent of expected claims; or||(d) Provides direct coverage of health care expenses of an individual.||II. An insurer shall determine the number of persons in a group, for the purposes of this section, on a consistent basis, at least annually.||III. For the purposes of determining the dollar amounts set forth in paragraph I, and upon consideration of the medical components of the Consumer Price Index (CPI), the commissioner may amend these dollar amounts and shall publish any change in these dollar amounts at least 6 months prior to their effective dates.|||Source. 2006, 217:1, eff. Jan. 1, 2007.|
NH Rev Stat § 415-H:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-H - Stop Loss Insurance|Section 415-H:4 - Actuarial Certification.

    415-H:4 Actuarial Certification. –||An insurer shall file with the commissioner annually on or before March 15, an actuarial certification certifying that the insurer is in compliance with this chapter. The certification shall be in a form and manner, and shall contain information, specified by the commissioner. A copy of the certification shall be retained by the insurer at its principal place of business.|||Source. 2006, 217:1, eff. Jan. 1, 2007.|