The New Hampshire Legislature has introduced Senate Bill 132, aimed at enhancing health insurance coverage for prosthetic devices. Introduced on January 22, 2025, the bill seeks to ensure that insurers provide coverage for both standard and activity-specific prosthetic devices, which are essential for individuals to engage in specific activities without risking damage to their residual limbs.

Key provisions of the bill include a mandate for insurers to cover prosthetic devices under the same terms as other durable medical equipment. This includes devices deemed medically necessary for maximizing an individual's ability to participate in specific activities. Notably, the bill excludes plans available through the Small Business Health Options Program (SHOP), focusing instead on group accident or health insurance policies.

The bill has sparked discussions regarding its potential economic and social implications. Proponents argue that it will significantly improve the quality of life for individuals requiring prosthetics, allowing for greater participation in various activities. However, concerns have been raised about the financial impact on insurance providers and the potential for increased premiums.

The fiscal note accompanying the bill indicates that while there are no immediate revenue impacts, future years may see indeterminable increases in both revenue and expenditures related to the implementation of the bill. This uncertainty raises questions about the long-term sustainability of the proposed coverage enhancements.

As the bill progresses through the legislative process, it is likely to face scrutiny and debate regarding its implications for both insurers and individuals relying on prosthetic devices. Stakeholders are closely monitoring developments, as the outcome could set a precedent for health insurance coverage in New Hampshire and potentially influence similar legislation in other states.