www.insurancemarketandnews.com
New Hampshire health officials are urging residents who may have been misled into purchasing inadequate health coverage to take advantage of a temporary enrollment opportunity designed to help them secure comprehensive insurance.
The New Hampshire Insurance Department announced a Special Enrollment Period for individuals affected by allegations that certain companies marketed limited-benefit health products as if they provided full medical coverage. State regulators said the enrollment window was created to ensure impacted consumers have access to legitimate Marketplace health plans after federal authorities raised concerns about the marketing practices involved.
The action follows a lawsuit filed by the Federal Trade Commission against Innovative Partners, LP and American Collective, LP. According to the complaint, the companies allegedly promoted medical discount memberships and restricted-benefit plans in a manner that led consumers to believe they were purchasing comprehensive health insurance coverage comparable to major medical plans.
Officials warned that some consumers may have unknowingly enrolled in products that do not offer the level of protection typically associated with standard health insurance policies. As a result, federal agencies approved a dedicated enrollment period allowing affected individuals to transition into qualified Marketplace coverage.
Insurance Commissioner DJ Bettencourt encouraged residents who enrolled in plans connected to either company during 2026 to review their coverage and explore available options. State officials emphasized that consumers should not delay seeking assistance, particularly if they have concerns about whether their current plan provides adequate benefits.
Eligible residents may enroll in Marketplace coverage during the special enrollment window running from June 11 through August 10, 2026. Coverage can begin as early as the first day of the month following plan selection, and some individuals may qualify for retroactive coverage, subject to federal eligibility requirements and premium payments.
The Federal Trade Commission has already begun notifying potentially affected consumers. However, state officials noted that residents do not need to wait for a formal notice if they believe they purchased one of the plans identified in the lawsuit. Assistance is available through the federal Marketplace Call Center and through HealthCare.gov, where consumers can submit applications and verify their eligibility for the enrollment opportunity.
The New Hampshire Insurance Department also reminded consumers that additional information regarding the federal lawsuit, including updates and consumer resources, is available through channels established by the court-appointed receiver overseeing the case.
State regulators said the primary goal of the special enrollment initiative is to ensure residents who may have been left without adequate health protection can move into comprehensive coverage and avoid unexpected medical expenses resulting from insufficient insurance benefits.
Source: New Hampshire Insurance Department.
Stay informed about the latest insurance industry developments, regulatory updates, health insurance news, consumer protection measures, and market trends at Insurance Market and News.