Health Care

Rising healthcare costs continue to challenge New Hampshire businesses. BIA does not support policies that result in cost-shifting from the public to the private sector or additional benefit mandates. BIA supports efforts to alleviate the high cost of healthcare and insurance for employers and employees.

To view the status of current legislation related to health care, click here.

Top Issues

Medicaid Funding

BIA supports adequate state funding for the Medicaid program and equitable tax treatment of healthcare providers. Below-cost Medicaid reimbursement to hospitals and other healthcare providers results in cost-shifting to the private insurance market and increased premiums. Businesses predominantly pay the cost of higher health insurance premiums. 

New Hampshire Health Protection Program

In 2013, BIA supported SB 413, which established the New Hampshire Health Protection Program and expanded the state’s Medicaid program to 138 percent of the federal poverty level. The BIA board of directors adopted the following principles for support of SB 413.

  1. It is better for economic prosperity when individuals and families are insured. The uninsured don’t receive appropriate healthcare services when and where they need them, which ultimately leads to a costlier healthcare system. Healthcare providers aren’t reimbursed for treating uninsured patients, which ultimately impacts the amount cost-shifted onto other payers, such as businesses and their employees.
  2. Any proposal to expand the state’s Medicaid program should demonstrate it will not lead to additional cost-shifting to the business community and will lead to improved access, lower rates of the uninsured and better outcomes.
  3. An expansion of the state’s Medicaid program should maximize use of the private health insurance market to the extent allowed under federal law and minimize the effect of crowd-out (the number of individuals currently insured through an employer who drop private coverage to choose Medicaid).
  4. Should federal funding become unavailable or become available at an amount less than previously committed, lawmakers should reevaluate the feasibility of continuing with an expanded Medicaid program.
  5. Any expansion of the state’s Medicaid program should not place additional financial burden on the business community, such as an increase in business tax rates.

Download a PDF of the BIA's Principles on Medicaid Expansion

This session, debate continues over the Health Protection Program as lawmakers look to collect data on the program's effectiveness and weigh reauthorization beyond the sunset date of December 31, 2016.

BIA supports reauthorizing the New Hampshire Health Protection Program. Early data show it is working as intended, leading to lower levels of uncompensated care and greater access to healthcare services. Ultimately, this will help to alleviate the cost of health insurance premiums for business owners, as less uncompensated care cost is shifted onto private payers like businesses.

Download our fact sheet on Why BIA Supports the New Hampshire Health Protection Program

Health Insurance Mandates

While BIA acknowledges the good intentions behind individual health insurance mandates that seek to either expand coverage to certain populations or include additional services and procedures, collectively they add cost to health insurance. This can lead to businesses choosing to self-insure to avoid complying with mandates or, in the case of smaller businesses, stop offering health insurance as an employment benefit. BIA opposes additional healthcare mandates.

Transparency

BIA believes that access to information about healthcare quality and cost will spur increased competition among providers and enable healthcare consumers to make more informed, prudent decisions about where to go for services. This is an important first step in helping to curb rising healthcare and health insurance costs for businesses and their employees.

NHQualityCare.org - provides accurate and honest information about quality of care in New Hampshire hospitals

NHPricePoint.org - provides facility-specific information about services and charges

NHHealthCost.org - provides information on the cost of inpatient and outpatient procedures

NHHealthInfo.org - a review and analysis of key resources, including other Web-based resources, available to employers struggling with decisions about health insurance benefits

Other Issues

BIA monitors and responds to healthcare legislation addressing:

  • Medical Malpractice
  • State-sponsored Healthcare Assistance Programs and Services
  • Healthcare Study Groups and Cost Drivers

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