Committee Summary for House Commerce and Consumer Affairs (02/19/2025)

Bill/Time	Type	Title	Sponsor
HB437 00:07:39.639 - 9:06:46 AM	Public Hearing	providing specific curative measures for undischarged mortgages.	Boyd, Bill(R)[C]2025
HB721 00:33:26.360 - 9:32:33 AM	Public Hearing	relative to establishing gold and silver as legal tender.	Harvey-Bolia, Juliet(R)[A-]2025
HB517 01:01:00.920 - 10:00:07 AM	Public Hearing	(New Title) repealing certain outreach and marketing requirements under the Granite State paid family leave plan.	Turcotte, Len(R)[B]2025
HB556 03:38:26.680 - 12:37:33 PM	Public Hearing	relative to the sale of products labeled as biodegradable or compostable.	Parshall, Lucius(D)[F]2025
HB556 03:53:15.040 - 12:52:22 PM	Public Hearing	relative to the sale of products labeled as biodegradable or compostable.	Parshall, Lucius(D)[F]2025
HB706 05:57:18.958 - 2:56:25 PM	Public Hearing	relative to prohibiting insurance companies from conducting an audit of providers services after services have been delivered but before payment has been made to such provider.	Gregg, Alicia(D)[D-]2025
HB565 06:08:37.440 - 3:07:44 PM	Public Hearing	allowing persons under 21 into veterans' clubs, private clubs, and social clubs under certain conditions.	Notter, Jeanine(R)[A-]2025
HB467 06:17:57.000 - 3:17:04 PM	Public Hearing	defining "social districts" and enabling municipalities to create social districts.	Boyd, Bill(R)[C]2025
HB496 06:41:56.200 - 3:41:03 PM	Public Hearing	requiring the liquor commission to distribute certain information in liquor stores.	Turer, Eric(D)[F]2025

HB437: Bill Boyd, State Representative, District 12, Marlow Support00:07:39.639 - 9:06:46 AM; Representative Bill Boyd, the prime sponsor of HB437, explained that the bill aims to address issues related to undischarged mortgages by shortening the time frame for them to become unenforceable. He mentioned collaborating with various stakeholders such as the New Hampshire Bankers Association, the New Hampshire Bar Association, and the New Hampshire Realtors to refine the bill. Boyd pointed out a grammatical error in the bill on line 18, suggesting the insertion of the word 'action' to clarify the language. He detailed how the bill proposes to void mortgages five years after their expiration date if they have one, or 35 years from the date of recording if they do not. He emphasized the bill's potential to simplify processes for consumers and the mortgage industry.
HB437: Mary Hacken Phillips, State Representative, Hanover and Lyme, Grafton 12 Support00:12:14.399 - 9:11:21 AM; Representative Mary Hacken Phillips, a co-sponsor of HB437, supported the bill by sharing her experience as a real estate attorney. She explained how undischarged mortgages complicate real estate transactions, requiring time-consuming and costly efforts to clear title defects. Phillips highlighted the inefficiencies of current legal remedies, such as court petitions, and advocated for the proposed statutory process as a more efficient solution. She argued that the bill would not only clear unnecessary court docket clutter but also enhance title examination standards, benefiting home buyers and loan customers while still protecting mortgage holders' interests.
HB437: Gibbs, State Representative Information Only00:22:49.760 - 9:21:56 AM; Representative Gibbs inquired about the responsibilities under the bill regarding the recording of paid-off mortgages. He mentioned a personal experience with a mortgage transferred to a Florida bank that might not have recorded the payoff. The response confirmed that under the proposed bill, it would be the bank's responsibility to record the mortgage payoff.
HB437: Michelle R. Coffin Information Only00:23:42.200 - 9:22:49 AM; The transcript cuts off before Michelle R. Coffin could begin her testimony, so there is no available summary of her remarks.
HB437: Michelle R. Coffin Support00:23:42.200 - 9:22:49 AM; Michelle R. Coffin, who has extensive experience in the real estate and title insurance industry, supports HB437. She shared her personal experiences of having to undertake costly Quiet Title actions due to undischarged mortgages. Coffin emphasized that the bill aims to resolve issues with mortgages that remain on record despite being paid off, often due to the original lender no longer existing. She highlighted the financial and emotional burden on homeowners and the need for automatic discharge of such mortgages after a certain period to prevent such issues.
HB437: Susan Cole, Susan Cole Realty, Lebanon, NH Support00:27:33.240 - 9:26:40 AM; Susan Cole, a broker owner of Susan Cole Realty in Lebanon, NH, and the 2025 president of the New Hampshire Association of Realtors, supports HB437. She shared her experiences with clients facing delays and costs due to undischarged mortgages during title examinations. Cole emphasized that these issues cause unnecessary hardship on homeowners and can lead to significant delays and expenses in real estate transactions. She stressed the importance of the bill in providing relief to homeowners and streamlining the process.
HB437: Ryan Hill, New Hampshire Bankers Association Support00:31:06.519 - 9:30:13 AM; Ryan Hill, Vice President of Government Relations for the New Hampshire Bankers Association, supports HB437. He mentioned that the association represents 40 member banks and had vetted the bill's language thoroughly. Hill noted that they suggested a few changes, including extending the effective date to January 1st, 2028, to ensure banks have adequate time to update their records. He expressed satisfaction with the bill and was open to answering further questions.
HB721: Juliet Harvey Bullia, Belknap District 3 Support00:33:26.360 - 9:32:33 AM; Juliet Harvey Bullia, representing Belknap District 3, introduced HB721, the Gold and Silver Legal Tender Act of New Hampshire. She described the bill as a bipartisan economic justice measure that would help protect wealth and serve as a hedge against inflation. Bullia provided historical context, noting the Democratic Party's past support for the gold standard, and outlined the bill's aims to address trust, taxes, and the potential for government taking of assets. She discussed the use of gold and silver in other states and the potential for New Hampshire to explore similar initiatives, such as using digital platforms for transactions. Bullia also mentioned the possibility of using gold and silver to pay state employees and the need to codify their status as legal tender to protect against future federal actions.
HB721: Gibbs Information Only00:48:34.880 - 9:47:41 AM; Gibbs expressed confusion about the purpose and details of the bill. He mentioned his personal connection to gold due to his father's history as a refugee from the Holocaust, but admitted he did not understand the specifics of the bill. He indicated a need for further discussion in a subcommittee to clarify these points.
HB721: Representative Hammond Information Only00:50:54.799 - 9:50:01 AM; Representative Hammond discussed the significant rise in gold prices over a few years, attributing it to inflation due to excessive money printing. He highlighted the issue of capital gains tax on gold when sold at a higher value, despite the value increase being due to currency devaluation rather than actual gains. He suggested that declaring gold as legal tender could eliminate this tax and mentioned potential federal responses to state actions.
HB721: Representative Ammon Information Only00:51:41.520 - 9:50:48 AM; Representative Ammon discussed the potential of states adopting gold as legal tender as a hedge against inflation and a means of competing with the Federal Reserve. He emphasized that the issue is not about the value of gold increasing but about the dollar losing value.
HB721: Unnamed Speaker Information Only00:52:09.799 - 9:51:16 AM; The speaker suggested considering an amendment to the bill to include forms of gold beyond coins or bars, such as cards and foil forms, to broaden the scope of legal tender.
HB721: Sarah Burke Cohen, New Hampshire Municipal Association Oppose00:52:55.280 - 9:52:02 AM; Sarah Burke Cohen, representing the New Hampshire Municipal Association, opposed the bill as it is written. She argued that allowing gold and silver as legal tender would complicate municipal operations, as they are not equipped to handle the security and valuation of gold and silver. She expressed concerns about the practicality and potential volatility of using such metals for transactions like property tax payments.
HB721: Joe Hos, Gilmanton Information Only00:55:17.760 - 9:54:24 AM; Joe Hos from Gilmanton provided historical context related to gold and silver as legal tender, referencing the New Hampshire Constitution and past legal cases. He discussed his personal experience with challenging local tax payments using gold and his observations on the legal and practical issues surrounding the use of gold as currency.
HB721: N. Grace, Business and Industry Association Oppose00:57:49.920 - 9:56:56 AM; N. Grace from the Business and Industry Association opposed the legislation due to uncertainties about businesses' ability to refuse payment in gold or silver. She highlighted the practical difficulties of integrating gold and silver into business transactions, especially for companies operating out-of-state, and the need to convert these metals to US dollars.
HB517: Representative Len Turcotte, Barrington and Strafford District 4 Support01:01:00.920 - 10:00:07 AM; Representative Len Turcotte, representing Barrington and Strafford, supported the repeal of the Family and Medical Leave Insurance (FMLI) program. He provided a detailed history of the program's implementation, which he described as being forced upon state employees without negotiation and funded by taxpayers. He argued that the program has failed to attract private sector participation, with only a small fraction of the state's workforce covered after three years. He criticized the high costs, including advertising and administrative expenses, and suggested that private insurance or self-insurance could serve as alternatives. He emphasized that the program is an unwanted social entitlement and advocated for its repeal to relieve taxpayers of the financial burden.
HB517: Representative Sullivan Information Only01:14:28.600 - 10:13:35 AM; Representative Sullivan sought clarification on the number of private sector employees covered by the FMLI program and the reasons for its low participation rate. He confirmed that the program's opt-in nature, except for state employees, contributes to its failure to attract participants.
HB517: Representative Gibbs Oppose01:16:47.679 - 10:15:54 AM; Representative Gibbs questioned the intent behind repealing the FMLI program, expressing concern that it would make it difficult for workers to care for ill family members. He highlighted the challenges for workers living paycheck to paycheck and the limitations of private disability insurance in covering family care.
HB517: Representative Ammon Information Only01:18:03.040 - 10:17:10 AM; Representative Ammon inquired about alternative private options for state employees if the FMLI program were repealed. Representative Turcotte responded that private insurers offer short-term disability insurance, which could serve as an alternative, and explained the financial implications of the current program's structure.
HB517: Representative Shiresa Information Only01:21:01.360 - 10:20:08 AM; Representative Shiresa asked for clarification on the participation of employers in the Paid Family and Medical Leave program, specifically whether the participating employers were predominantly state or private employers. It was clarified that 276 employers, including private ones, have signed up over three years, covering a total of 5,800 employees, which represents less than 1% of the total employees in the state.
HB517: Representative Gibbs Information Only01:22:55.120 - 10:22:02 AM; Representative Gibbs inquired about the coverage of private short-term disability policies regarding family members. The response was that coverage would depend on the specific plan, and the speaker did not have expertise in insurance to provide a definitive answer.
HB517: DJ Beton Court, Commissioner of the New Hampshire Insurance Department Oppose01:23:58.320 - 10:23:05 AM; Commissioner DJ Beton Court opposed the legislation to repeal the Paid Family and Medical Leave program. He emphasized the success and viability of the program, highlighting its voluntary nature, its foundation on state employees, and its innovative approach compared to other states. He argued that the program allows for competitive insurance markets and has been beneficial for attracting and retaining talent, particularly in border communities like Salem. Beton Court also clarified misunderstandings about the cost and tax credit components of the program, stating that businesses receive a 50% tax credit on premiums paid for their employees. He mentioned the interest from other states in replicating New Hampshire's model and stressed the importance of the program for economic competitiveness and family support.
HB517: Cassie Keane, Deputy Commissioner of the Department of Administrative Services Oppose01:41:08.639 - 10:40:15 AM; Cassie Keane opposed the repeal of the Paid Family and Medical Leave program, emphasizing its voluntary nature and success in New Hampshire. She detailed the implementation process, the coverage provided to state employees, and the outreach efforts made to promote the program across the state. Keane highlighted the federal interest in New Hampshire's model and the low utilization rate among state employees, attributing this to existing coverage. She expressed pride in the program's achievements and its role in offering a unique benefit to New Hampshire workers.
HB517: Richard L., Deputy Commissioner of the New Hampshire Department of Employment Security Oppose01:47:23.280 - 10:46:30 AM; Richard L. opposed the repeal of the Paid Family and Medical Leave program and provided detailed enrollment figures. He mentioned that over 23,600 New Hampshire workers have access to the coverage, including state employees and those with employer-sponsored and individual plans. He highlighted the success of the individual plan, especially among young women using it for bonding with newborn children. L. also noted the low utilization rates and the balanced usage across different coverage types, emphasizing the program's voluntary nature and its effectiveness in providing critical support.
HB517: Unnamed Speaker Information Only01:56:08.079 - 10:55:15 AM; The speaker discussed the issue raised by the sponsor of HB517, focusing on the approximately 8,800 New Hampshire state employees who receive the family leave benefit for free. The speaker questioned if this could be the crux of the issue and suggested that instead of rejecting the bill outright, perhaps it could be modified to require these employees to contribute a share of the cost. They also inquired about the payment structure for employers and employees in the program, to which it was clarified that 70% of sponsoring employers pay the full premium, 20% have workers pay, and 10% use a shared model. Additionally, it was noted that two-thirds of the sponsoring employers did not offer short-term disability coverage before this program.
HB517: Unnamed Speaker Information Only02:00:17.599 - 10:59:24 AM; The speaker asked about the taxpayer dollar amount spent on the 8,826 state employees who receive the family leave benefit for free, which was reported to be $1.452 million for fiscal year 24. They also discussed the fact that taxpayers pay 100% of the benefit but also 100% of the employees' salaries and other benefits, suggesting this is not significantly different from other state employee benefits.
HB517: Unnamed Speaker Information Only02:01:28.000 - 11:00:35 AM; The speaker inquired about the advertising budget for the family leave program, which was reported to be $1.7 million in fiscal year 23, though only $1.3 million was spent. They asked about tracking the return on investment (ROI) for advertising and confirmed that the state is responsible for the marketing and outreach, tracking how many individuals are reached and ultimately how many enroll.
HB517: Unnamed Speaker Information Only02:03:02.079 - 11:02:09 AM; The speaker asked if there is any interest or plans to have state employees start contributing to the family leave program. It was explained that this would require collective bargaining negotiations, and it was not considered at the time the program was implemented because it could have delayed the program's rollout. It was also mentioned that state employees had not had a raise in some time prior to the program's introduction, which may have influenced the decision not to require contributions.
HB517: Unnamed Speaker Information Only02:05:21.239 - 11:04:28 AM; The speaker expressed concern about the low participation rate among private employers, which was reported to be only 5%. They asked what could be done to make the program more appealing. The response was that the program's voluntary nature means employers make their own decisions based on recruitment and retention needs, and the state will continue to educate and outreach to employers to increase participation.
HB517: Unnamed Speaker Information Only02:06:54.760 - 11:06:01 AM; The speaker asked if the cost of covering the work of an employee on long-term leave is considered in the program's calculation. It was explained that employers typically weigh the cost of the employee's absence against the cost of losing the employee, and the program helps maintain connection with employees during their leave.
HB517: Laura Miliken, Executive Director of New Hampshire Hunger Solutions Support02:10:01.000 - 11:09:08 AM; Laura Miliken, from New Hampshire Hunger Solutions, testified in support of HB517. As a small nonprofit employer, they pay the premiums for the family leave plan and believe it's a good deal because it allows them to hire and retain employees with a competitive benefits package. They have eight employees and offer 12 weeks of leave, with three employees having used the benefit to date for various reasons including caring for children and a parent with cancer. She urged the committee to vote inexpedient to legislate on HB517.
HB517: Nancy Glenn, Sutton, NH, Select Board Member Support02:12:15.719 - 11:11:22 AM; Nancy Glenn from Sutton, NH, and a Select Board member, testified in support of HB517. She shared personal stories about her sons' health issues and how the program would have benefited her family. She highlighted that local municipalities like hers can offer the program to employees to help keep property taxes down. Sutton has 26 employees and spends about $6,600 annually on the program, which is affordable and crucial for attracting a workforce, especially in small towns. She also urged the committee to vote inexpedient to legislate on HB517.
HB517: Devin Quinn, Director of Policy, New Hampshire Women's Foundation Oppose02:15:58.480 - 11:15:05 AM; Devin Quinn, representing the New Hampshire Women's Foundation, opposed HB517 and read letters from employers to support their stance. The first letter from Jack Savage, president of the Society for the Protection of New Hampshire Forests, highlighted the benefits of the Paid Family and Medical Leave (PFML) program to their organization. The program, fully funded by the employer, has been crucial for employee retention and recruitment, preventing employees from depleting their health leave or PTO for life events. The second letter from Amanda Goni Osar, owner of Gpon Automotive, expressed strong support for the PFML program and opposition to HB517. Gpon Automotive, with locations in Bow and Concord, NH, has integrated the PFML program into their benefits package, which has been crucial for employee satisfaction and retention. Both letters underscored the importance of the PFML program for employees and employers and the potential negative impacts of repealing it.
HB517: Adriana Espia, Homeowner, New Hampshire Oppose02:20:15.040 - 11:19:22 AM; Adriana Espia shared her personal experience with the PFML program. As a homeowner and employee in New Hampshire, she utilized the program to cover unpaid leave during her pregnancy. Her employer, with less than 50 employees, allowed her to pay premiums directly to MetLife. She emphasized the program's importance for her family's financial stability, especially with childcare costs. Espia expressed concern about the potential repeal of the program, stating it could force her to seek employment outside of New Hampshire, impacting her family's life and her loyalty to the state.
HB517: Amanda Sears, New Hampshire State Director, Campaign for Family-Friendly Economy Oppose02:22:20.680 - 11:21:27 AM; Amanda Sears opposed HB517 and urged the committee to recommend it as inexpedient to legislate (ITL). She highlighted the program's benefits for thousands of Granite Staters and suggested that the state should consider expanding the program rather than repealing it. Sears specifically mentioned the negative impact the bill would have on state employees, arguing that removing their access to the PFML program would be detrimental to meeting family needs.
HB517: McKenzie Nicholson, Senior Director, Mom's Rising in New Hampshire Oppose02:23:55.600 - 11:23:02 AM; McKenzie Nicholson, representing Mom's Rising, opposed HB517 and emphasized the organization's support for the PFML program. She mentioned an email sent to the committee containing comments from 158 Granite Staters, many from the committee members' districts, asking for the bill to be recommended as ITL. Nicholson highlighted the importance of the PFML program for workforce participation, especially for mothers, and its benefits to the economy, small businesses, and maternal mental health. She urged the committee to reject the bill to support families and the broader community.
HB517: Lacy from Auburn, New Hampshire Oppose02:25:28.960 - 11:24:35 AM; Lacy expressed frustration over the potential cancellation of the bill, emphasizing that it is a program many people have worked on for a long time. She argued that instead of discarding it, efforts should be made to improve it, especially given the needs highlighted by recent events like the pandemic. She stressed the importance of the program for many in New Hampshire and urged the committee not to take it away.
HB517: Paige Beachman from Hillsboro, representing Ward 4 Oppose02:26:55.479 - 11:26:02 AM; Paige Beachman, a registered nurse and perinatal mental health specialist, argued strongly against the bill, highlighting the need for comprehensive FMLA. She discussed the maternal health crisis in the U.S., emphasizing the high rates of maternal mental health issues in New Hampshire. She pointed out that FMLA is crucial for increasing breastfeeding rates and reducing health costs, and stressed the economic benefits of retaining employees through better leave policies. She concluded by urging the committee not to eliminate the program but to improve it.
HB517: Karen Benfield from State Worker Play, New Hampshire Oppose02:30:55.439 - 11:30:02 AM; Karen Benfield opposed the bill, emphasizing the risks of repealing FMLA to workforce retention in New Hampshire. She criticized the suggestion of private insurance as an alternative, arguing that it does not address the real financial burdens faced by young families in the state. She offered her organization's support to help spread awareness about the program and urged the committee to oppose the bill.
HB517: Leon Perez Oppose02:33:22.000 - 11:32:29 AM; Leon Perez strongly opposed the bill, emphasizing the detrimental effects it would have on working-class families and the economy. He shared his personal situation, expecting his first child, and highlighted the relief the program provides to families. He argued that cutting the benefit would impose hardships and discourage families from staying in New Hampshire. He concluded by urging the committee to support families and oppose the bill.
HB556: Lucius Parshall representing Marlow and neighboring towns, Sher District 8 Support03:38:26.680 - 12:37:33 PM; Lucius Parshall introduced HB556, emphasizing it as a truth in advertising measure to ensure the integrity of solid waste management in New Hampshire. He explained that the bill does not ban products but ensures that items labeled as compostable meet certifiable benchmarks. He highlighted the importance of managing organic waste, given the state's limited composting facilities and the need to divert waste from landfills. He also mentioned an amendment to clarify the bill's language and placement under RSA 339, as advised by the Department of Environmental Services, and stressed the bill's role in better waste management without financial impact on the state.
HB556: Michael Noric from the Department of Environmental Services Information Only03:49:41.319 - 12:48:48 PM; Michael Noric from the Department of Environmental Services provided information on HB556 without taking a position. He clarified that as introduced, the bill was placed in RSA 149 M, which Dees would enforce, but an amendment moved it to RSA 339, potentially shifting enforcement to the Department of Justice. He explained the ASM standards mentioned in the bill relate to compostable products and service ware, not necessarily packaging, and offered to answer any further questions the committee might have.
HB556: Representative Jessica L Montaine from Strafford District 17 Support03:53:15.040 - 12:52:22 PM; Representative Montaine supports HB556, highlighting three key actions the bill would take: removing the exemption of Medicare supplement plans from laws protecting against exclusion based on pre-existing conditions, requiring community rating for premiums based on age rather than health status, and mandating that insurers offering Medicare Advantage plans must also offer Medicare supplement plans. She expresses concern about the lack of protections for those with pre-existing conditions in Medicare supplement plans, emphasizing the need for flexibility and choice in insurance plans, especially as health needs change over time. She also discusses the potential increase in premiums due to community rating but argues it would not be significantly higher based on data from other states.
HB556: Representative Peter from unknown town Support04:12:04.560 - 1:11:11 PM; Representative Peter supports the bill, expressing personal experiences and skepticism about Medicare Advantage plans due to their aggressive marketing and perceived shortcomings. He mentions having been on Medicare for 22 years and choosing traditional Medicare over Medicare Advantage, emphasizing the importance of informed choices and criticizing the tactics used by Medicare Advantage providers.
HB556: Representative Dave Nagel from unknown town Support04:14:39.199 - 1:13:46 PM; Representative Nagel supports HB556, sharing his experiences as a physician and his recent transition to Medicare at age 65. He discusses the complexities of choosing the right insurance and the issues patients face, especially those with acquired disabilities, when their insurance no longer meets their needs. He supports the bill's aim to provide more options and protect against being 'trapped' in inadequate plans.
HB556: Representative Jonah Orrian Wheeler from Peterbro and Sharon Support04:23:30.760 - 1:22:37 PM; Representative Wheeler supports the bill, advocating for patient freedom of choice and criticizing the complexity and misleading nature of insurance options. He believes that patients should not be locked into restrictive networks and supports the bill's aim to simplify and improve the insurance system for patients.
HB556: Jennifer Coffee from unknown town Support04:26:38.119 - 1:25:45 PM; Jennifer Coffee supports HB556, sharing personal experiences with cancer and the difficulties she faced with Medicare Advantage plans, including high out-of-pocket costs and network issues. She emphasizes the need for the bill to close the loophole allowing discrimination against the elderly and disabled in Medicare supplement policies, advocating for equal protections as those provided to other segments of the population.
HB556: DJ Bettoncourt, Commissioner of the New Hampshire Insurance Department, joined by Michelle Heaton Information Only04:44:25.600 - 1:43:32 PM; Commissioner Bettoncourt and Michelle Heaton provide information on the differences between traditional Medicare, Medicare Advantage, and Medicare supplement plans. They emphasize the importance of educating the public about their choices and the consequences of choosing Medicare Advantage, noting that the state has no oversight of Medicare Advantage plans. They discuss the potential impacts of the bill, including increased premiums and market stability, and offer to work further with stakeholders to refine the bill.
HB556: Rebecca Sky from New Hampshire State Commission of Aging Support05:07:27.080 - 2:06:34 PM; Rebecca Sky supports HB556, emphasizing the need for better protections and options for seniors in choosing health insurance plans. She likely discusses the commission's stance on the importance of ensuring that elderly and disabled individuals have access to adequate and affordable health insurance without being penalized for pre-existing conditions.
HB556: Rebecca Sky, New Hampshire State Commission on Aging Information Only05:07:29.160 - 2:06:36 PM; Rebecca Sky, Executive Director of the New Hampshire State Commission on Aging, provided insights into the demographic shifts in New Hampshire and their impact on healthcare policy. She specifically addressed two aspects of HB556: the change in rating methodology for Medicare supplemental policies from attained age to community rating, and the requirement for these policies to cover pre-existing conditions. She highlighted the financial burden of Medicare supplemental plans on older adults and recommended community rating to mitigate this issue. She also discussed the implications of issue age rating versus attained age rating and the potential effects on plan costs and consumer choices. Additionally, she touched upon the challenges of Medicare Advantage plans, including network adequacy and the complexity of choosing appropriate coverage, emphasizing the need for consumer protection measures like guaranteed issue.
HB556: Representative Gibbs Information Only05:20:40.920 - 2:19:47 PM; Representative Gibbs inquired about the specifics of premium increases in Medicare supplemental policies, specifically whether the increases apply to new enrollees or existing policyholders. Rebecca Sky responded that under the current attained age rating system, premiums increase annually due to both the rising cost of healthcare and the policyholder's age. She explained that issue age rating would only increase premiums due to healthcare costs, not age, which could benefit those who purchase plans later in life.
HB556: James Fisher, Retired Primary Care Doctor, Dover Support05:36:55.240 - 2:36:02 PM; James Fisher, a retired primary care doctor from Dover, expressed support for HB774, which seems to have been mistakenly referenced in his testimony. He discussed the issues with Medicare Advantage plans, including upcoding and high denial rates for prior authorizations. He emphasized the need for community rating in supplemental plans to address these issues and allow patients the flexibility to switch from Medicare Advantage to traditional Medicare. He noted New Hampshire's high rate of denials compared to other states and the lack of advertising for traditional Medicare and supplemental plans.
HB556: Dr. Ahmed Kati, Retired Cardiologist, Peterborough Support05:40:48.478 - 2:39:55 PM; Dr. Ahmed Kati, a retired cardiologist from Peterborough, supported the bill by sharing his personal experience with Medicare and its evolution. He highlighted the introduction of Medicare Advantage through the Medicare Modernization Act and the complexities and limitations it introduced compared to traditional Medicare. He stressed the importance of community rating and guaranteed issue for supplemental plans to allow seniors to switch from Medicare Advantage without facing medical underwriting and high premiums.
HB556: Mara Weston, New Hampshire Medical Society Support05:49:54.718 - 2:49:01 PM; Mara Weston, representing the New Hampshire Medical Society, expressed support for House Bill 774. She emphasized the society's commitment to ensuring access to quality healthcare for all New Hampshire residents and viewed the bill as a step towards that goal. She submitted written testimony from Dr. Travis Harker and committed to following up on a query regarding the network coverage of United Healthcare in New Hampshire hospitals.
HB556: Paula, America's Health Insurance Plans (AHIP) Information Only05:51:30.600 - 2:50:37 PM; Paula, representing America's Health Insurance Plans (AHIP), acknowledged the complexities surrounding Medicare Advantage and supplemental plans. She noted the challenges faced by seniors who feel trapped in Medicare Advantage and the need for better education about plan choices. She suggested looking into resources like the Kaiser Family Foundation for national insights and mentioned a recent actuarial analysis from Minnesota as a potential reference. She supported the idea of retaining the bill for further consideration due to the complexity of the issues involved.
HB706: Alicia Gregg, Nashua Ward 7 Support05:57:18.958 - 2:56:25 PM; Alicia Gregg from Nashua Ward 7 introduced House Bill 706, which aims to prohibit insurance companies from conducting audits of provider services after services have been delivered but before payment has been made. She emphasized the need to end delays in the billing process caused by prepayment audits, which can significantly impact the financial viability of small providers, especially in mental health care. She highlighted the importance of ensuring timely payments to providers to prevent financial hardships and maintain the delivery of essential services.
HB706: Sabrina Dunlap, Senior Director of Government Relations for Anthem Oppose06:01:10.920 - 3:00:17 PM; Sabrina Dunlap from Anthem expressed opposition to HB706, highlighting several issues with the bill. She emphasized that Anthem's auditing practices are integral to maintaining payment integrity, which helps prevent fraud, waste, and abuse in healthcare. These practices are standard across the industry and crucial for protecting members and employers. Dunlap pointed out that most of Anthem's auditing occurs post-payment, but the bill's language is unclear regarding whether it affects both pre and post-payment investigations. She argued that the bill's restrictions are unique and more severe than any other state, potentially hampering Anthem's ability to fulfill its fiduciary duties. She also addressed questions from representatives, clarifying the differences between audits and investigations and the potential impact of the bill on these processes.
HB706: Representative Miles Information Only06:03:36.520 - 3:02:43 PM; Representative Miles questioned Sabrina Dunlap about Anthem's payment and auditing processes. He sought clarification on whether Anthem pays for services before conducting an audit, and how the proposed bill might alter this process. Dunlap confirmed that audits can be conducted post-payment and explained that the bill could affect the investigative phase, which might be confused with auditing.
HB706: Representative Gibs Information Only06:05:02.958 - 3:04:09 PM; Representative Gibs inquired about the consequences for patients if Anthem conducts a prepayment audit or investigation and decides not to pay for the service. Dunlap admitted uncertainty about the exact outcome but committed to researching and providing an answer later. Gibs shared a personal anecdote about a billing dispute between Medicare and Blue Cross, highlighting the potential for patients to be held liable for bills during such disputes.
HB565: Representative N Support06:08:37.440 - 3:07:44 PM; Representative N introduced a simple and straightforward bill aimed at addressing issues at VFW events where families with babies are barred from entering due to liquor license regulations. The bill would allow families to enter during special occasions. Representative N had already consulted with the Liquor Commission and agreed to an amendment specifying that minors must be family members to enter, addressing concerns raised by other representatives.
HB565: Representative Henry Gassin, Hillsborough 29th District Support06:11:16.000 - 3:10:23 PM; Representative Gassin expressed support for HB565, citing personal experiences as a combat veteran and member of the BFW and MVET. He mentioned an event where his nieces and nephews could not attend due to restrictions on minors in canteen or bar sections of such facilities. He argued that parents or guardians should be able to decide the safety of such environments for their children. Regarding the amendment, he cautioned that it might be too restrictive, potentially excluding non-traditional guardians or family members. However, he would support the amendment if it were necessary for the bill's passage, suggesting possible collaboration with enforcement to address these concerns.
HB565: Chief Mark Armaganian, Director of Enforcement Licensing for the Liquor Commission Information Only06:14:39.760 - 3:13:46 PM; Chief Armaganian expressed neutrality on HB565, indicating that the Liquor Commission sees the bill as a positive step forward and is open to discussions about refining it. He emphasized the need for consistency with related legislation, such as the Tavern Bill, and noted that the primary issue is the lack of a food requirement in canteen facilities. He clarified that the bill is intended for special occasions rather than everyday use, suggesting it would not impose a significant burden on establishments to monitor age and identity.
HB467: Representative Bill Boyd, District 12, Town of Marlborough Support06:17:57.000 - 3:17:04 PM; Representative Boyd introduced HB467, which defines and enables municipalities to create social districts. He emphasized that the bill is enabling legislation, allowing communities to opt into the program if they choose. He provided examples from Michigan and North Carolina, specifically praising North Carolina's Sip and Stroll program. Boyd highlighted the flexibility in the bill's design, which allows municipalities to work with local law enforcement and the Liquor Commission to tailor the social district to their community's needs. He noted the economic development potential of such districts, referencing the successful model at Tuscan Village in Salem. Boyd addressed concerns about liability, district boundaries, and hours of operation, suggesting these would be managed at the local level. He also responded to questions about the potential for increased traffic accidents and the practicality of the social district concept, suggesting that it's meant for social gatherings and not for excessive drinking. He clarified that the drinks must be in special cups to be carried within the district.
HB467: Drew Klein, President of the Josiah Bartlett Center for Public Policy Support06:32:55.160 - 3:32:02 PM; Drew Klein supports HB467, emphasizing its potential to boost economic development in small towns by adopting social districts. He shares a personal anecdote about his hometown of Hickory, North Carolina, which successfully implemented a social district, leading to increased foot traffic and economic growth. Klein highlights that such districts have been transformative in various cities, including Raleigh and Savannah, Georgia, without significant issues related to crime, public intoxication, or litter. He notes the regulation of these districts ensures that they attract shoppers rather than heavy drinkers, and he believes this model could similarly benefit New Hampshire's small towns. Klein also addresses concerns about minors accessing alcohol, explaining that the same ID checks used in restaurants apply to social districts.
HB467: Mark Armaganian, Chief Enforcement Licensing for the Liquor Commission Support06:39:27.000 - 3:38:34 PM; Mark Armaganian supports HB467, stating that the proposed model has been thoroughly vetted and includes local control and oversight. He mentions that enforcement efforts for social districts would be similar to current practices, with establishments being responsible for serving identifiable drinks. Armaganian references research and phone calls made to other cities that have implemented similar policies without negative outcomes, and he is open to answering questions on how the Liquor Commission operates daily.
HB496: Representative, Prime Sponsor of HB496 Support06:41:56.200 - 3:41:03 PM; The representative introduces HB496, aimed at requiring New Hampshire state liquor stores to distribute information about alcohol use disorder (AUD) and how to seek help. He highlights the prevalence of AUD, stating that roughly 10-11% of the non-child population is affected annually. The bill suggests posting information in stores and providing it with each purchase, potentially through printed receipts. He addresses last year's similar bill, which led to a grant-funded video now playing in state liquor stores. The representative emphasizes the bill's potential to target at-risk populations effectively, citing New Hampshire's high AUD rates and the significant economic cost of the disorder. He argues that even a small impact could yield significant benefits, and he supports the bill as a collaborative effort between the Liquor Commission and public health initiatives.
HB496: Linda Haskins, Rockingham 11, Exeter Support06:54:28.558 - 3:53:35 PM; Linda Haskins supports HB496, sharing personal experiences with the impact of alcoholism, having lost family members to the disease. She runs a support group for loved ones of addicted individuals and views the bill as a small but significant step towards addressing the national issue of alcoholism. Haskins appreciates the efforts to raise awareness and provide resources and encourages the committee to pass the bill.

Hunt, John(Chairman)(R)[B+]2025	Post, Lisa(Clerk)(R)[A]2025	Potucek, John(V Chairman)(R)[A-]2025
Salvi, Santosh(D)[CT]2025	Chourasia, Manoj(D)[F]2025	Ammon, Keith(R)[A]2025
Herbert, Christopher(D)[D-]2025	Osborne, Jason(R)[A+]2025	Thackston, Dick(R)[B+]2025
Walsh, Lilli(R)[B]2025	Porcelli, Susan(R)[B]2025	Spier, Carry(D)[D-]2025
Burroughs, Anita(D)[F]2025	Gibbs, Merryl(D)[D-]2025	McAleer, Chris(D)[D-]2025
Sullivan, Jared(D)[D]2025	Miles, Julie(R)[A-]2025	Presa, Adam(R)[B]2025