Bill > HB359

This bill, amending RSA 417:4, prohibits insurance companies from denying or canceling services based on factors that are not quantitative, impartial, and risk-based, meaning decisions must be grounded in objective data and actuarial principles related to actual or anticipated losses specific to each customer. Specifically, insurers cannot discriminate based on a person's political opinions, speech, affiliations, or religious beliefs and exercise, unless the insurer itself claims a religious purpose and makes decisions based on the customer's religious factors. The bill also explicitly forbids using rating or scoring systems that consider a "social credit score," which is defined as a score based on various factors including political views, religious beliefs, lawful firearm ownership and use, engagement in industries like fossil fuels, timber, mining, or agriculture, support for government efforts against illegal immigration or drug trafficking, or association with individuals or entities involved in these activities. Furthermore, it prohibits basing decisions on a customer's failure to meet environmental, social governance (ESG) standards, or corporate diversity requirements, as long as they are complying with existing state and federal laws. Violations of this section are considered unfair and deceptive trade practices, subject to penalties and remedies under RSA 358-A, and aggrieved parties have access to all applicable remedies.

Business and Industry

https://gc.nh.gov/bill_Status/billinfo.aspx?id=400&inflect=2