relative to health carrier network access monitoring.

SB 546 requires health insurance carriers offering commercial plans in New Hampshire to implement annual secret shopper audits starting January 2027. These audits, conducted by independent third parties, assess whether providers in carriers' networks are accessible and accepting new patients, following federal CMS guidelines for health benefit exchanges. Carriers must submit results by May 31 each year, with penalties for failing to report, confirming fewer than 80% of providers as in-network, or not meeting network access standards. Noncompliant carriers face fines, must reimburse enrollees for out-of-network claims, and may be required to create corrective action plans. The law directly affects all health insurers selling commercial coverage in New Hampshire.