Environment
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
StateNew HampshireIn Committee
HB 1813: relative to changes to health carrier contracts with providers.
Julie Miles
HB 1813 status: In Committee — Subcommittee Work Session: 10/07/2026 10:00 am GP 229 (updated Sep 17, 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
69OUT OF 100
Score:69/100 civic fit
Risk:Low Risk
Impact:Moderate Impact 55/100
Constitutionality95%
Bipartisan80%
Public opinion70%
Bill summary
What changes
The bill mandates a 60-day notice requirement for changes to health carrier-provider contracts, restricts changes to four designated dates per year, and requires the provision of redlined documents showing all edits.
Who is affected
Health insurance carriers, participating healthcare providers, and the NH Insurance Department.
Requirements and enforcement
Carriers must provide redlined copies of contract changes; if aggregate financial impacts exceed $500,000, carriers must submit a good faith estimate to the insurance commissioner for public disclosure.
Costs and funding
Administrative costs for the NH Insurance Department estimated at under $10,000 annually; potential indirect costs for carriers to implement compliance systems.
When it takes effect
Takes effect 60 days after passage; changes restricted to January 1, April 1, July 1, and October 1.
Potential benefits
Increases transparency, reduces administrative surprises for medical practices, and provides systemic oversight of cost-shifting by insurance carriers.
Risks and tradeoffs
Potential for increased insurance premiums and administrative friction in contract management.
What is still unknown
The exact total financial impact on insurance premiums and the long-term effectiveness of the reporting threshold.
02
Impact analysis
✦ AI analysisModeled effects across six domains, estimated from bill text and comparable legislation.
Economy
Positive outlook
60%
Benefits
- Predictable contract modification cycles for providers
- Reduced administrative ambiguity in business agreements
- Improved transparency regarding financial impact of shifts
Risks
- Increased administrative compliance costs for carriers
- Potential for premium increases to offset compliance overhead
- Reduced flexibility for rapid responses to market changes
Society
Positive outlook
65%
Benefits
- Greater stability in local medical practice administration
- Lower risk of abrupt contract terminations for clinics
- Improved resource allocation predictability for healthcare staff
Risks
- Potential costs passed down to patients through premiums
- Risk of network disruptions if negotiations reach impasse
- Compliance focus may divert office attention from patient care
Technology Industry
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
Civic Accountability
Positive outlook
80%
Benefits
- Mandatory commissioner reporting for large financial shifts
- Requirement for publicly accessible aggregate impact data
- Formalized disclosure of contract document revisions
Risks
- Transparency relies on carrier's own impact estimates
- Threshold of $500,000 may exclude significant smaller impacts
- Lack of specified penalty for reporting inaccuracies
Public Health & Safety
Positive outlook
70%
Benefits
- Supports network adequacy by retaining providers
- Reduces stress on medical practice management staff
- Ensures consistent patient access through contract stability
Risks
- Requirement cycles may delay critical administrative updates
- Premium increases could impact patient healthcare affordability
- Potential for temporary service gaps during contract renegotiations
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
Carriers may pass increased compliance costs to consumers, potentially impacting health insurance affordability for political subdivisions.
Analysis scope
Fiscal note is incomplete; pending data from the Department of Health and Human Services.
04
Where it stands
Official record- IntroducedComplete
- CommitteeCurrent
- Chamber votesUpcoming
- Final agreementUpcoming
- GovernorUpcoming
- EnactedUpcoming
05
How it affects your district
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06
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