Bulletin INS 26-051-AB: Guidance on Stop Loss Insurance Requirements

The New Hampshire Insurance Department (NHID) issued a new bulletin providing guidance to health insurers on statutory and regulatory requirements for stop loss insurance, including minimum attachment points, expected claims calculations, employer group classifications, and annual actuarial certification requirements. The bulletin is intended to help carriers apply existing requirements consistently and transparently and does not establish new legal obligations. RSA 415-H establishes statutory minimum requirements for stop loss insurance, and the bulletin references the Department’s current attachment points. Carriers should consult and apply these requirements in determining certain minimums. The full bulletin, Docket #INS 26-051-AB, is available at https://mm.nh.gov/files/uploads/nhid/documents/20260811-ins-26-051-ab-stop-loss-3.pdf. The guidance addresses the specific requirements that carriers must follow when offering stop loss insurance coverage in New Hampshire, ensuring consistency and transparency in the application of statutory and regulatory standards.