Section Ins 102.04 - Life and Health Division(a) The life and health division is comprised of the life and health market conduct examinations unit, the life and health form examinations unit, the life and health rates unit, and the health data analytics unit.(b) The life and health market conduct examinations unit is described as follows: (1) The market conduct examinations unit performs on-site market conduct examinations, desk reviews, investigations, surveys, market analyses, and other steps to determine whether licensees of the department are performing in the marketplace following the laws and rules of this state;(2) This unit has primary responsibility to regulate and oversee the marketplace operations of insurance department licensees and any other entities regulated by the department;(3) The market conduct examinations unit addresses market conduct problems using a variety of approaches including proactive outreach, department communications, licensee interviews, information gathering, licensee policies and procedures reviews, interrogatories, voluntary compliance programs, investigations, examinations, compliance programs, and enforcement actions; and(4) The market conduct examinations unit shares and coordinates its results and certain activities with other states through participation in resources developed by the National Association of Insurance Commissioners (NAIC).(c) The life and health forms examinations unit examines the rates and forms for all life and accident and health policies, riders, endorsements, and applications submitted to the section for approval prior to use to ensure conformity to the laws and rules of the state of New Hampshire.(d) The life and health rates unit is responsible for:(1) Reviewing actuarial aspects of policy form and rate filings to determine that premium rates are not excessive, inadequate, or unfairly discriminatory and that premium rates conform to statutory requirements; and(2) Assisting the commissioner with setting regulatory policy and providing actuarial expertise on life and health matters.(e) The health data analytics unit is responsible for:(1) Supervising the collection and use of data in support of department health care costs and health insurance market transparency efforts; and(2) Providing health finance and policy expertise on related matters as requested by the commissioner.N.H. Admin. Code § Ins 102.04
#2336, eff 4-8-83; ss by #4287, eff 7-1-87; ss by #5653, eff 7-1-93; ss and moved by #6967, eff 3-26-99 (from Ins 102.07 ); ss by #7984, eff 11-10-03
Amended by Volume XL Number 7, Filed February 13, 2020, Proposed by #12983, Effective 2/1/2020.Amended by Volume XLI Number 27, Filed July 8, 2021, Proposed by # 13218, Effective 6/28/2021, Expires 6/28/2031