Section Ins 4105.04 - Underwriting and Issue Requirements(a) Small employer stop loss carriers shall file a report to the department on or before March 15th of each year detailing for the prior calendar year any instances where the carrier declined to offer coverage as applied for, and any instances where the carrier's quoted renewal rate represented an increase larger than 20 percent. This report shall be filed at the same time as the actuarial certification required pursuant to RSA 415-H.(b) The report in (a) shall include the following information: (1) Policyholder identification number;(2) Number of enrolled employees in both the calendar year for which the report is made and the prior calendar year, if known; and(3) The reason for the declination or the rate increase.(c) Carriers may only vary rates for stop loss health coverage provided to small employers by using allowable case characteristics.(d) Allowable case characteristics shall include:(1) The attained ages of the covered population;(2) The number of enrolled employees; and(3) The type of industry in which the small employer is engaged.(e) For purposes of (c) above, small employer stop loss health carriers may use approximations to calculate allowable case characteristics provided such approximation methods are used uniformly among all small employer groups.(f) Acceptable approximation methods include: (1) Using the attained ages of enrolled employees with tier based membership factors to approximate the attained ages of the covered population; and(2) Using a prior census to estimate the actual enrollment.(g) Rates calculated at issue, or at renewal, shall not change throughout the policy year if the allowable case characteristics of a small employer group change.N.H. Admin. Code § Ins 4105.04
#9690, eff 4-9-10; ss by #9938, eff 6-10-11
The amended version of this section by New Hampshire Register Volume 39, Number 24, eff.6/10/2019 is not yet available.