SB 476 New Hampshire Senate · 2026 Regular Session

relative to consumer health care cost transparency.

SB 476 requires hospitals to follow federal price transparency rules and provides a "good faith estimate" safe harbor, protecting them from penalties if cost estimates differ due to clinical changes or outside factors. It mandates health insurers to give personalized, pre-service cost estimates for scheduled services through their existing federal tools (Transparency in Coverage APIs), accessible via the state's HealthCost portal. The bill expands the state's health data system (CHIS/APCD) to power consumer cost comparisons for uninsured and out-of-network care without building new IT infrastructure. These changes directly affect hospitals, insurers, and consumers by making upfront health care costs clearer before treatment.
Bill status passed 3 of 5 stages cleared
Introduction
Nov 2025
Committee Review
Mar 2026
Senate Passage
Mar 2026
House Passage
Governor
Introduced Nov 21, 2025 Last action Mar 26, 2026
Maddy AI version diff · 1 comparison

What changed between versions

Introduced As Amended by the Senate · 8 edits
MODERATE
The Senate completely rewrote SB 476, shifting it from a consumer-facing transparency bill (hospital price files, a HealthCost consumer portal, good-faith estimate safe harbors) to a regulator-focused bill that gives the insurance department broader authority to collect and retain health care data from carriers, makes that data confidential, and requires an annual public hearing on premium rate increases. The amended version no longer creates any direct consumer-facing tools or hospital obligations.
Scope change
The bill shifted from creating consumer-facing transparency tools (hospital price files, a state HealthCost portal, safe harbors for good-faith estimates) to empowering the insurance department with broader data collection authority over carriers, making that data confidential, and mandating annual public hearings on premium rate drivers. No direct consumer-facing obligations or tools remain in the amended version.
SCOPE

The entire hospital price transparency section (new RSA 151:12-d) was deleted, including the requirement for hospitals to maintain public transparency files, the good-faith estimate safe harbor protecting hospitals from penalties when estimates differ from final bills, and the annual compliance dashboard.

The HealthCost Consumer Portal section (new RSA 420-G:11-c) and the definitions section (new RSA 420-G:11-b) were deleted, removing the plan to build a state consumer portal linking to carrier estimators.

The APCD enhancement paragraphs (new III through VI in RSA 420-G:11-a) were deleted, removing provisions for ERISA plan opt-in data sharing, using APCD data to power the consumer portal, and expanding the APCD advisory group composition.

RSA 420-G:14-a was substantially rewritten. The commissioner's authority to request carrier information was broadened from the 'nongroup market' to all coverage history and health care financing/delivery. The reference to assessing 'alternative sources of funding for the nongroup subsidy' was removed.

REQUIREMENT

A new paragraph IV was added to RSA 126:28 requiring that the complete health care data set be provided to the insurance department for regulation of insurance and health plans, with disclosure limited to HIPAA-compliant methods (45 C.F.R. parts 160, 162, 164).

ENFORCEMENT

A new paragraph V in RSA 420-G:14-a requires the commissioner to hold an annual public hearing on premium rates, evaluate claims costs, administrative loads, and carrier profits, identify factors contributing to cost increases, and analyze price variations using hospital discharge data, APCD data, Medicaid data, and other state health care data.

TECHNICAL

All native information and data collected under RSA 420-G:14-a is now designated confidential and exempt from public disclosure under RSA 91-A (the state's right-to-know law), a significant restriction not present in the introduced version.

TIMELINE

Specific reporting deadlines (June 30 for data submission, December 31 for report filing) were removed from RSA 420-G:14-a, giving the commissioner discretion over timing and format instead of fixed statutory dates.

Floor votes

How they voted

No floor votes recorded yet.
Full legislative history

Actions timeline

Total actions
18
Key actions
2
Committee
6
Amendments
1
Mar 26, 2026
Upper · Passed
Ought to Pass with Amendment #2026-1236s, RC 16Y-8N, MA; OT3rdg; 03/26/2026; SJ 7
upper
Mar 26, 2026
Introduced
Sen. McGough Floor Amendment # 2026-1236s, DIV 16Y-8N, AA; 03/26/2026; SJ 7
upper
Mar 26, 2026
Upper · Passed
Sen. McGough Moved Ought to Pass; 03/26/2026; SJ 7
upper
Mar 12, 2026
Committee
Committee Report: Referred to Interim Study, 03/26/2026, Vote 5-0; SC 11
upper
Mar 5, 2026
Committee
Committee Report: Referred to Interim Study, 03/19/2026, Vote 5-0; SC 10
upper
Feb 19, 2026
Committee
Committee Report: Referred to Interim Study, 03/05/2026, Vote 5-0; SC 8
upper
Feb 12, 2026
Committee
Committee Report: Referred to Interim Study, 02/19/2026; Vote 5-0; CC; SC 6
upper
Nov 21, 2025
Introduced
Introduced 01/07/2026 and Referred to Health and Human Services; SJ 1
upper
1 primary · 8 co-sponsors

Sponsors