Environment
Mixed / Neutral
50%
Benefits
- Enables pooling of risk for environmental impairment coverage.
Risks
- No material direct effect on environment policy identified.
StateNew HampshireIntroduced
HB 1491: relative to pooled risk management programs.
John Hunt
HB 1491 status: Introduced — Reconsider HB1491 (Rep. N. Germana): MF VV 09/19/2026 HJ 16 (updated Aug 19, 2026).
Source
LegiScan
Confidence
High
Analysis basis
LegiScan full bill text
01
What this bill does
Official summary alongside an AI-generated read on where it stands and why.
Overall Score
75OUT OF 100
Score:75/100 civic fit
Risk:Moderate Risk
Impact:Moderate Impact 70/100
Earlier scoring method. Reanalyze to use the sector calculation.
Constitutionality90%
Bipartisan85%
Public opinion50%
Bill summary
This bill establishes a comprehensive regulatory framework for municipal pooled risk programs, affecting local government fiscal administration and insurance cost-management for political subdivisions across New Hampshire.
02
Impact analysis
✦ AI analysisModeled effects across six domains, estimated from bill text and comparable legislation.
Economy
Positive outlook
70%
Benefits
- Potential reduction in insurance overhead costs for municipalities.
- Allows local governments to retain interest and dividend earnings.
Risks
- Requires ongoing administrative and oversight costs for oversight of pools.
- Potential for fiscal strain if risk pools are underfunded.
Society
Positive outlook
60%
Benefits
- Stability in municipal risk management helps maintain public services.
- Strict investment rules protect public funds from market volatility.
Risks
- Confidentiality provisions on claims data may reduce public transparency regarding settlement history.
Technology Industry
Not scored in this analysis.
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Civic Accountability
Not scored in this analysis.
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Public Health & Safety
Not scored in this analysis.
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03
How trustworthy & consequential it is
Sourcing already shown above, this is what the analysis found worth flagging.
Source
LegiScan
Official bill text or data from LegiScan.
Confidence
High
Information is complete and verified.
Analysis basis
LegiScan full bill text
Source used for this bill's analysis.
Source note
Pooling risks inherently concentrates municipal exposure, requiring rigorous adherence to the mandated Risk-Based Capital (RBC) requirements.
Analysis scope
The bill amends existing RSA codes; full impact depends on interaction with current municipal financial practices.
04
Where it stands
Official record- IntroducedCurrent
- CommitteeUpcoming
- Chamber votesUpcoming
- Final agreementUpcoming
- GovernorUpcoming
- EnactedUpcoming
05
How it affects your district
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06
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