New Hampshire requires advance notice of health plan terminations

CONCORD, NH (July 18, 2025) – New Hampshire Governor Kelly Ayotte has signed into law SB 121, which requires any health insurance carrier intending to discontinue coverage in the Granite State, including Medicare Advantage plans, to provide the Insurance Department with at least 90 days’ advance written notice before informing affected consumers.

“The implementation of this law represents a critical step in protecting New Hampshire consumers from unnecessary disruption in coverage,” said Insurance Commissioner DJ Bettencourt. “Recent Medicare Advantage market exits caught many seniors and healthcare navigators off guard. This legislation ensures that the NHID has time to prepare guidance and resources so Granite Staters can transition to appropriate coverage with clarity and support.”

Under the new law, insurers must notify the NHID of their intent to exit or discontinue plans before they issue any notices to consumers. This requirement applies broadly to all health insurance carriers operating in the state, including those offering Medicare Advantage plans, which are regulated at the federal level.

The NHID proposed this legislation in response to a wave of Medicare Advantage plan withdrawals across the country, including in New Hampshire, that left consumers with limited time and information to make critical healthcare decisions. Previously, carriers were not obligated to notify the Department ahead of such terminations, creating confusion for consumers, providers, and the state agencies assisting them.

“These updates not only strengthen the Department’s ability to respond but also help ensure that carriers act responsibly and transparently when exiting the market,” said Deputy Insurance Commissioner Keith Nyhan. “This is an important safeguard for Granite Staters, especially older adults navigating complex Medicare choices.”