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New HampshireSB6142025-2026 Regular SessionSenateWALLET

(New Title) establishing multiple-caregiver self-insured risk coverage arrangements for nonprofit and for-profit providers and servicers.

Sponsored By: Denise Ricciardi (Republican)

Signed by Governor

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Bill Overview

Analyzed Economic Effects

4 provisions identified: 1 benefits, 0 costs, 3 mixed.

Tax and legal protections for pool members

If a pool meets the law’s standards, it is not regulated or taxed as an insurance company. Members are not liable for the acts of the pool or other members. Any surplus left after paying claims, reserves, admin, and excess insurance must be returned to members. Claims analysis and claims-management information is confidential.

Audits, actuarial checks, and rate notices

Each pool must get a yearly CPA audit and share it with members and the state. Each pool must also get a yearly actuarial review by a qualified actuary and file and share it. At least 10 days before setting annual rates, the pool must give notice, hold a meeting, explain any rate hikes, and discuss surplus returns. If a pool misses an audit or actuarial review, the state will obtain it and the pool must repay the cost.

Pooled coverage for child care and foster homes

Child care centers and foster family homes can form a pooled risk program once 10 or more agree in writing. Pools can offer liability and property coverage, including general and professional liability, workers’ comp, unemployment, fire, and theft. To get coverage, a provider must apply, meet underwriting rules, and pay premiums. The law takes effect 60 days after passage.

How pools are run and overseen

Each pool must be a New Hampshire legal entity with a written plan and filed bylaws. Each participant names a board member; the board is unpaid but may be reimbursed for reasonable expenses. Pools must make required informational filings and are overseen by the Secretary of State. Pools can sign contracts, own property, borrow, and pledge assets in the program’s name.

Sponsors & Cosponsors

Sponsor

  • Denise Ricciardi

    Republican • Senate

Cosponsors

  • David H. Watters

    Democratic • Senate

  • Debra Altschiller

    Democratic • Senate

  • Katelyn T Kuttab

    Republican • House

  • Lilli M Walsh

    Republican • House

  • Lisa C.M. Post

    Republican • House

  • Rebecca Perkins Kwoka

    Democratic • Senate

Roll Call Votes

No roll call votes available for this bill.

Actions Timeline

  1. Signed by the Governor on 07/02/2026; Chapter 273; Effective 07/01/2027

    7/9/2026Senate

  2. Enrolled (in recess of) 06/04/2026 HJ 15 P. 52

    6/23/2026House

  3. Enrolled Adopted, VV, (In recess 06/04/2026); SJ 14

    6/23/2026Senate

  4. Enrolled Bill Amendment # 2026-2150e Adopted, VV, (In recess of 06/04/2026); SJ 14

    6/10/2026Senate

  5. Enrolled Bill Amendment # 2026-2150e: AA VV (in recess of) 06/04/2026 HJ 15 P. 44

    6/10/2026House

  6. Sen. Rochefort Moved to Concur with the House Amendment, MA, VV; 05/21/2026; SJ 13

    5/21/2026Senate

  7. Ought to Pass with Amendment 2026-1626h: MA VV 05/14/2026 HJ 13 P. 9

    5/14/2026House

  8. Amendment # 2026-1626h: AA VV 05/14/2026 HJ 13 P. 9

    5/14/2026House

  9. Committee Report: Ought to Pass with Amendment # 2026-1626h 05/06/2026 (Vote 18-0; CC) HC 19 P. 9

    5/7/2026House

  10. Subcommittee Work Session: 05/06/2026 10:00 am GP 229

    4/29/2026House

  11. ==CONTINUED== Executive Session: 05/06/2026 10:30 am GP 229

    4/29/2026House

  12. ==RECESSED== Executive Session: 04/29/2026 10:00 am GP 229

    4/22/2026House

  13. Subcommittee Work Session: 04/28/2026 10:00 am GP 229

    4/22/2026House

  14. Subcommittee Work Session: 04/22/2026 10:00 am GP 229

    4/16/2026House

  15. Public Hearing: 04/15/2026 01:15 pm GP 229

    4/9/2026House

  16. Introduced (in recess of) 03/26/2026 and referred to Commerce and Consumer Affairs HJ 9 P. 55

    3/27/2026House

  17. Ought to Pass: MA, VV; OT3rdg; 03/26/2026; SJ 7

    3/23/2026Senate

  18. Committee Report: Ought to Pass, 03/26/2026; Vote 7-0; CC; SC 11

    3/19/2026Senate

  19. Ought to Pass with Amendment #2026-1044s, MA, VV; Refer to Finance Rule 4-5; 03/12/2026; SJ 6

    3/10/2026Senate

  20. Committee Amendment # 2026-1044s, AA, VV; 03/12/2026; SJ 6

    3/6/2026Senate

  21. Committee Report: Ought to Pass with Amendment # 2026-1044s, 03/12/2026; Vote 5-0; CC; SC 9

    3/4/2026Senate

  22. Hearing: 01/08/2026, Room 100, SH, 09:30 am; SC 46

    12/10/2025Senate

  23. Introduced 01/07/2026 and Referred to Health and Human Services; SJ 1

    11/25/2025Senate

Bill Text

  • As Amended

    6/10/2026

    PDF

  • Enrolled

    6/10/2026

    HTML

  • Introduced

    11/25/2025

    PDF

  • CHAPTERED FINAL VERSION

    PDF

  • Version adopted by both bodies

    PDF

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