Section Ins 2604.13 - Introductory, Initial or Special Offers(a) An advertisement shall not falsely state or imply that a particular policy or combination of policies is an introductory, initial, special or limited enrollment policy.(b) An advertisement shall not contain phrases such as "special enrollment," "special limited enrollment," "enrollment deadline," "acceptance period," or similar words or phrases that falsely imply: (1) That an interested party shall apply by a specific deadline to obtain the particular contract advertised, or to obtain any contract of the same insurer which offers substantially similar coverage;(2) That the insurer shall receive an interested party's application by a prescribed date and that it will not accept the application thereafter;(3) That the policy shall not be available at a future date; and(4) That an applicant shall receive advantages not available at a later date if he or she applies immediately.(c) An advertisement shall not state that the insurer requires an enrollment period, when less than 90 days separates the ending date of one enrollment period and the beginning date of the next enrollment period for the same contract, or any substantially similar contract the insurer offers in the state.(d) An insurer shall not advertise or use a first month premium rate of less than 1/12 of the annual premium for any contract, except when the insurer substantiates that it reduces benefits paid during the first month of the contract in proportion to the premium it charges during that period.N.H. Admin. Code § Ins 2604.13
Amended by Volume XXXVI Number 36, Filed September 8, 2016, Proposed by #11173, Effective 12/5/2016, Expires 12/5/2026.