New Hampshire's House Bill 648 is making waves as it aims to revolutionize diabetes care by mandating insurance coverage for continuous glucose monitoring devices (CGMS) and associated follow-up care. Introduced on January 23, 2025, the bill seeks to ensure that individuals living with diabetes have access to essential monitoring tools without the burden of high out-of-pocket costs.

The proposed legislation would amend several existing statutes to require health insurers—including those providing plans to individuals, groups, and health maintenance organizations—to cover CGMS for all forms of diabetes therapy, including insulin therapy. Notably, the bill stipulates that patients would face a maximum cost-sharing responsibility of just $30 for a 30-day supply, eliminating the application of deductibles for these critical devices.

However, the bill is not without its challenges. The New Hampshire Department of Insurance has raised concerns about the potential financial implications, predicting an increase in claims frequency and costs. This could lead to upward pressure on insurance premiums, which may affect county and local health insurance expenditures. Additionally, the bill could trigger federal cost defrayal requirements, as it introduces new coverage that may exceed the Essential Health Benefits already provided in the Exchange Marketplace.

As discussions unfold, the legislative committee may refer the bill for an actuarial review to assess its financial impact more accurately. This review, which typically costs between $20,000 and $40,000, could provide crucial insights into the sustainability of the proposed mandate.

With diabetes affecting millions, the stakes are high. Advocates argue that the bill is a necessary step toward improving health outcomes for those managing the condition, while opponents caution about the potential economic repercussions. As House Bill 648 moves through the legislative process, its fate could reshape the landscape of diabetes care in New Hampshire, balancing the need for accessible healthcare against the realities of insurance economics.