NH HB1812

Requires health carriers to maintain network adequacy for primary care and mental/behavioral health care with in-person appointments available within 30-minute drive times and at least 70% of appointments offered in-person rather than virtual

Excludes providers from network adequacy calculations if they are not accepting new patients, cannot offer appointments within 30 days (non-emergent) or 48 hours (emergent), or are located out-of-state or beyond the drive time range

Mandates the Insurance Department engage an independent third party every 3 years to evaluate mental health network adequacy, measuring appointment availability, wait times within 7 and 14 days, and clinician availability by county for psychiatry, therapy, and other services

Establishes escalating administrative penalties for violations: up to $1,000 per covered life for first offense, $2,500 for second offense, and $5,000 for third offense within 5 years, with authority to suspend or revoke carrier licenses

Creates a private right of action allowing aggrieved persons to sue health carriers with 3 or more violations within 5 years and recover court costs and attorney's fees