New Hampshire
New Hampshire Approves 5.6% Workers' Compensation Loss Cost Decrease for 2025
The New Hampshire Insurance Department (NHID) reports that it has approved a workers’ compensation rate proposal that will reduce voluntary loss costs by 5.6% on average.
The new lower rates will apply to voluntary market policies effective on or after January 1, 2025.
The market has now experienced loss cost decreases for 13 consecutive years, with a cumulative reduction exceeding 65% over this period. The state’s voluntary loss costs went down 14% on average in 2024, down 7% in 2023, and for 2022, they were down 8%.
Loss costs are the portion of an employer’s insurance premium dedicated to covering claims costs. Insurers are required to use the new loss costs and are then permitted to adjust it for their own company expenses.
The rate proposal for 2025 was filed on July 31 by the National Council on Compensation Insurance (NCCI), the advisory agent that prepares workers’ compensation rate filings for New Hampshire and many other states.
The filing is based on premium and loss experience as of year-end 2023 from policy years 2020, 2021, and 2022 and shows improved experienced relative to the data underlying the filing effective January 1, 2024. According to NCCI, all three years showed similarly favorable experience. The state’s lost-time claim frequency has continued to decline. Indemnity and medical severity both increased slightly after steep declines during the COVID-19 pandemic but despite the slight increase in severity, loss ratios continue to decrease.
“We’re seeing real benefits for businesses and workers alike as the cost of workers’ compensation continues to drop,” said New Hampshire Insurance Commissioner DJ Bettencourt. “The workers’ compensation market in New Hampshire remains robust, offering business owners a wide array of options when selecting coverage.”
The workers’ compensation market across the country remains healthy, according to NCCI. The industry’s calendar year 2023 combined ratio was 86%, a sign of underwriting profitability, and net written premium increased by 1%.
NCCI data shows that injured worker claims frequency has continued to decline on a countrywide basis, while claim severity changes were moderate for 2023.
NCCI credits a continued focus on worker safety and technological advancements as contributing to fewer workplace injuries over time.
While payroll increased by 6% between 2022 and 2023, workers’ compensation system costs have increased at a slower pace than wages during the same period. Also, while economic inflation has been elevated over the past few years, this has not generally translated to higher workers’ compensation medical and indemnity benefit costs, according to NCCI.
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New Hampshire
New Hampshire lawmaker pushes for shipyard ownership change to NH
PORTSMOUTH (WGME) — New Hampshire Republican Rep. Joseph Barton is urging President Trump and Congress to transfer ownership of the Portsmouth Naval Shipyard and Seavey Island from Maine to New Hampshire.
Barton, a former shipyard worker, argues that since New Hampshire controls the Piscataqua River, it should also own all its islands, including Badger’s Island. “With respect to the border, we’ve always owned it. It’s never been in Maine. Never,” Barton said.
However, the U.S. Supreme Court ruled in 2001 that Seavey Island and the naval yard belong to Maine. Gov. Janet Mills stated, “the Portsmouth Naval Shipyard is in Maine. It will continue to be in Maine.”
Judy Spiller, chair of Kittery’s Town Council, supports the Supreme Court’s decision of Maine ownership.
The resolution has not yet been voted on in the New Hampshire Senate or signed by the governor.
New Hampshire
Seacoast schools fight NH open enrollment, say it would create chaos
Fifty-plus New Hampshire public school superintendents and hundreds more school board members are opposing a fast-moving legislative effort to enact universal open enrollment throughout the state.
The bill, if it becomes law, would allow students to attend public school in any New Hampshire community, no matter where they reside. If a Somersworth student, for example, chooses to attend school in Portsmouth, Somersworth would have to send the money it spends per student to Portsmouth, too.
Funding, budgeting and staffing concerns are cited by the coalition of school leaders in an open letter sent to Republican Gov. Kelly Ayotte and state lawmakers.
Christine Boston, superintendent of the Dover school district, pointed out that New Hampshire is ranked last in the nation in state public education funding per pupil, and this bill adds to dire funding issues.
“If it’s not the final blow, it’s a major kick when we’re down,” Boston said. “I don’t know if it’s the final blow because I don’t know how many parents can and will avail themselves to this (sending students to other towns), but it definitely does not put us in a position to budget and provide equal access to all kids.”
Boston is joined by numerous greater Seacoast superintendents in signing the open letter, including John Shea (Somersworth), Lois Costa (Hampton), Christopher Andriski (Exeter area/SAU 16), Robert Shaps (Oyster River), Meredith Nadeau (Winnacunnet/SAU 21) and Zachary McLaughlin (Portsmouth). Many School Board officials in these communities and more signed the letter, too, as did six Rochester School Board members, including chair Matt Pappas.
The letter calls for further analysis of open enrollment.
“Collectively, these gaps shift operational risk, legal exposure, and political accountability onto local boards and SAUs, forcing districts to absorb consequences they did not design and cannot control. Proceeding without resolving these questions places districts in an untenable position by design and puts students at risk,” the letter states.
Boston said it’s possible Dover schools could receive more students at Dover High School and the district’s Regional Career Technical Center if the bill becomes law, resulting in increased tuition revenue. But that’s only a possibility, and her concerns far outweigh that potential.
“It’s not tuition or revenue that we can count on because there are no guardrails on enrollment timelines or length of enrollment to any of the legislation that I have personally seen,” Boston said. “It really appears to let kids move back and forth at will.”
Without a public hearing, universal open enrollment was approved by Republican members of the New Hampshire Senate in late January, setting up a House vote soon on the amendment to House Bill 751. Because the proposal was added as a floor amendment to an unrelated bill, it advanced without a public hearing in a state Senate committee, drawing criticism from Democrats and many school leaders.
What does the public school universal open enrollment proposal say?
Each New Hampshire public school district would be required to determine the “capacity” to take in new students at each grade level at every school in its system.
“Each school district in the state shall report annually to the state commissioner of education the number of transfer applications, acceptances, denials and the reason for each denial,” HB 751 states. “The department of education shall publish the data annually on its web site and provide reports to the senate and house education committees, and the state board of education.”
The bill calls for sending school districts to pay the school district receiving the student between 80% and 100% of the sending district’s average cost per pupil, as determined by the New Hampshire Department of Education. In addition, the sending district would need to pay special education expenses, though no guidelines for those additional costs are included.
Parents or guardians of the transferring student would make up any difference in cost between the sending and receiving districts average costs per pupil. That difference would be paid as tuition to the receiving district.
“Sending districts may pay less than 100 percent of the sending district’s average cost per pupil provided that the sending district demonstrates the need for a lower tuition rate relative to fixed costs,” the bill adds. “If the transferring student’s resident district average cost per pupil is less than the receiving district’s average cost per pupil, such difference shall be charged as tuition and paid by the pupil’s parents or guardians to the receiving district prior to the start of each semester.”
Critics have opposed the bill’s language about tuition costs, arguing local taxpayer dollars would be sent out of their home district to support other public schools. Proponents say it supports parental choice in public schooling.
State Sen. Tim Lang says students would not ‘flee’ hometown schools
State Sen. Tim Lang, R-Sanbornton, who presented the amendment last month, said he believes universal open enrollment would do little to shift the current makeup of New Hampshire’s public schools. In an interview, Lang stated maybe “1% to 2%” of existing New Hampshire students would move to a different public school district.
He called it a “flawed argument” to say “people would flee” their hometown schools.
“This bill is balanced to be able to take in students to make up for losses and allow for parents and children to get the best education,” Lang said.
Lang and Timothy Broadrick, superintendent of the Alton, Barnstead and Prospect Mountain Schools, wrote a joint letter in support of expanding open enrollment throughout the state.
Prospect Mountain High School became an open enrollment institution in 2023 and has since accepted 62 out-of-district after opting into the state’s existing policy.
Lang and Broadrick emphasized the decision on how many non-resident students to potentially accept lies with local district school boards.
“The program also offers opportunities for school districts,” Lang and Broadrick wrote. “This is a chance for public schools to stand out, to tell success stories about public programs, and to be more responsive to families’ needs. One district might concentrate on STEM and become a magnet for students who want to excel in math and science. Another could invest in arts programs, drawing talented students from the surrounding area. Every child is unique, and each school can’t offer everything. Expanding options across ZIP codes lets the public school system meet more students’ needs, even when they don’t live in the same district. Our focus should be on students.”
SAU 16 in Exeter area asks voters to accept 0 students
According to Lang, a public school district could set its capacity for new students at zero.
In SAU 16, the Exeter Regional Cooperative School District, school officials are attempting to do exactly that, recommending voters approve a warrant article in March.
Article 3 on the district’s school warrant asks whether voters approve admitting zero non-resident students into the district’s middle and high schools, in addition to not allowing any students to leave SAU 16 for other schools.
Andriski, Exeter’s superintendent, says some out-of-district students may want to come to Exeter for its Division I athletics programs, but SAU 16 is considering its own budgeting processes, and the impact open enrollment may have on smaller school systems.
“Our local residents are being asked to do more with less, and I’m not sure that that can be sustainable for a long time,” he said.
NH public education funding falls far short of judge’s ruling
An August report from the New Hampshire Fiscal Policy Institute found the state ranks last in the United States for public school education funding. In fiscal year 2024, per the institute, New Hampshire allocated $4,629 per full-time student, compared to the national average of $11,683 per student.
State Sen. Debra Altschiller, D-Stratham, reports state public education funding has dipped further to roughly $4,100 per pupil. Last year, in response to a lawsuit challenging the state’s public education funding, Rockingham County Superior Court Judge David Ruoff ruled that the “conservative minimum threshold amount” the state should pay per pupil is $7,356.
Altschiller criticized the open enrollment proposal, saying educators and school staff will be burdened, administrators will experience budgeting woes and local taxpayers will be asked to foot the bill.
“This is setting up our public school system to be starved and failed,” she said.
Altschiller expects a House vote on open enrollment before the end of February.
A Democrat-backed bill in the House proposes a commission to study open enrollment, though the legislation has been referred to the House’s Education Policy and Administration Committee.
Somersworth superintendent says bill ‘fundamentally doesn’t make sense’
Shea, superintendent of the Somersworth school district, said he supports parental choice in education. But he is an outspoken critic of HB 751.
He is concerned the bill is moving fast toward passage in the Republican-majority House. If it becomes law, Shea said, the state must increase public education funding.
“There’s no getting around the fact that you’re asking the neighbors of the kids who opt out of the school district to pay more taxes so the kids can go to a different school. It just fundamentally doesn’t make sense,” Shea said.
Shea recently wrote an opinion column stating the bill could be the “knockout punch” and “death knell” for public education in the Granite State.
Shea is concerned smaller communities with a lower value tax base would lose students to property-rich communities, and would not attract students to make up for those losses. Wealthier families who can find a way to get their kids to another town could jump ship and seek out a new school district for a more intensive curriculum, athletics or arts programs.
Shea worries about those left behind in sending districts that don’t have the funds to invest more into their staffing, programming and facilities.
“People need to understand that we’re sinking the ship without regard to who is still left on it when it goes down,” Shea said. “That is the part I think people are missing.”
Dover, Portsmouth superintendents question open enrollment proposal
Some local superintendents are raising questions about how universal open enrollment would affect long-term tuition agreements with other school districts.
Students from Barrington and Nottingham attend Dover High School under district tuition agreements. Should all the existing students from the two neighboring towns remain at Dover High School, but choose to do so under open enrollment, the absence of the tuition agreements would equal a roughly $500,000 loss for SAU 11, according to Boston. If all the Barrington and Nottingham students were to attend other high schools and leave Dover, Boston estimated a combined $5 million loss.
“I don’t want to represent that they all would leave. I don’t think that’s the case at all,” she stated. “It’s really all the unknowns that worry me. We could be sending Dover taxpayer funding to a completely different district.”
The Portsmouth school district has a similar agreement with SAU 50, for students from Greenland, New Castle, Newington and Rye to attend Portsmouth High School.
That tuition agreement has been in place for decades, noted Portsmouth Superintendent Zach McLaughlin.
“This shared experience has shaped what it means to be a Clipper and what Portsmouth High School represents as a regional institution,” McLaughlin wrote in an email. “I worry about what would happen to the cultural fabric of our greater community if an agreement that all of these towns deliberately entered into in the 1970s were effectively washed away without careful thought or planning.
“In the current moment, it is not even clear whether that would occur. The proposed legislation does not clearly explain how existing (tuition) agreements would interact with statewide open enrollment, which creates uncertainty not only for Portsmouth, but also for SAU 50 itself,” McLaughlin added.
Boston largely opposes universal open enrollment with a straightforward outlook on the proposal: “New Hampshire is a state of local control and Dover taxpayer money should fund Dover public schools.”
“Even though Portsmouth might appear, on the surface, to be better positioned than some districts, we believe the current proposals would be destabilizing for Portsmouth, disruptive to regional collaboration, and ultimately harmful to public education across New Hampshire if implemented without further study and refinement,” McLaughlin said.
Public education advocates cite concerns for taxpayers, educators
The New Hampshire School Boards Association and the New Hampshire School Administrators Association are also opposing the universal open enrollment proposal.
Mark MacLean, executive director of the NHSAA, said it “usurps local decision-making” and has not “fully considered the ramifications and dynamics of changing enrollment statistics.”
Despite its objection to the proposed open enrollment system, the organization wants to broaden student choice in New Hampshire public education.
“Through the NHSAA’s resolutions, we strongly support local governance and locally determined enrollment decisions,” MacLean said. “We believe that strong public schools create strong communities. A cornerstone of the ‘New Hampshire advantage’ is the authority of local citizens to determine how their tax dollars are invested and to hold their towns and districts accountable to those decisions. To ensure these new opportunities succeed without compromising the stability of our districts and communities, any enrollment policy must respect local governance and be thoughtfully developed through a transparent process that empowers communities to lead the way.”
Barrett Christina, executive director of the NHSBA, noted this time of year is budget season for many school districts. Budgeting without certainty is going to “create chaos” for local school boards and taxpayers, Christina stated.
“Voters and local taxpayers would not be able to determine how their money is being spent,” Christina said.
Megan Tuttle, president of the New Hampshire chapter of the National Education Association, the state’s biggest teachers union, said open enrollment would be harmful to education in the state.
“Mandatory open enrollment will fundamentally destabilize our public school system by severing the link between a community and its public schools,” Tuttle said in a statement. “While a student’s zip code should never determine the quality of their education, this proposal completely ignores the real problem — New Hampshire’s overreliance on local property taxes to fund public schools. Until that structural inequity is addressed, open enrollment is not a solution — it’s a diversion. … Schools already struggling to meet student needs would lose funding, staffing, and programming as dollars are redirected to subsidize out-of-district enrollment.”
What’s next for open enrollment bill
Lang expects the House could vote on the bill in a matter of days.
The House’s approval could then move it to Gov. Kelly Ayotte’s desk for signature. A spokesperson for Ayotte did not respond to a request for comment on whether the governor supports the bill.
Editor’s note: State Sen. Debra Altschiller, D-Stratham, is the wife of Howard Altschiller, Seacoast Media Group’s executive editor.
New Hampshire
Ayotte wants to bring more nuclear power to New Hampshire. How would that work?
Gov. Kelly Ayotte announced her intentions to put New Hampshire “at the forefront” of nuclear energy to loud applause last week. In her annual State of the State speech, Ayotte directed energy officials to find ways to foster a new generation of nuclear power in the state, which already has the second-largest nuclear plant in the region.
“I’ve asked the department to bring together stakeholders, lawmakers and organizations focused on nuclear generation to ensure we have everyone at the table and that we are on the forefront of adopting this new technology,” she said.
Nuclear power has gained new attention in recent years, particularly due to interest from technology companies in small, advanced reactors that could power data centers and artificial intelligence.
New Hampshire lawmakers have made efforts to support the power source with legislation that would allow utilities to own nuclear reactors and include nuclear in the state’s definition of “clean energy.” A state commission investigated the potential of nuclear technology, concluding that advanced nuclear generation would be necessary to reduce greenhouse gas emissions. The commission recommended policy changes, including conducting feasibility studies for reactor sites, streamlining permitting, and implementing workforce programs.
Survey data from the Pew Research Center shows interest in nuclear from both sides of the aisle is growing, and nuclear power has the smallest partisan gap in support compared to coal, oil, fracking, wind power and solar power.
But advanced nuclear technology is still in early stages, and the process to bring that power to the state could require years of planning.
“It’s an interesting time in the industry, and there is lots of stuff happening. It’s just that none of it is near-term and none of it is in New England,” said Sam Evans-Brown, who leads the advocacy group Clean Energy New Hampshire.
NextEra, the company that owns the Seabrook nuclear facility, has said they are interested in expanding their nuclear resources at sites they already manage.
“NextEra Energy Resources is evaluating new nuclear technologies as potential long-term generation solutions, however there are currently no plans for another reactor at Seabrook,” the company said in an e-mailed statement.
Can nuclear power reduce energy costs?
In the State of the State speech where Ayotte described her vision for nuclear energy, she focused on fixing high electric rates, blaming neighboring New England states and a distracted Public Utilities Commission for driving up the cost of power.
But according to Evans-Brown, nuclear power likely isn’t a solution for high energy costs in the short-term.
“It really is kind of the shiny object as opposed to the hard work, the nuts and bolts of really sweating the details – that is the thing that is actually going to provide some sort of rate relief here in New England,” he said.
Evans-Brown suggested programs to reduce demand on the electric grid, revise energy efficiency programs to focus on savings during peak hours, and improve battery storage as shorter-term fixes.
According to federal data, nuclear is more expensive than almost every other power source to build and operate. And future cost projections are uncertain, because advanced nuclear technology is so new.
Can nuclear power clean up the energy grid?
Research shows combining nuclear with other sources could be a way to more cost-effectively clean up the power grid.
Nuclear power isn’t without issues. Uranium mining comes with environmental justice concerns, constructing plants involves using concrete, and safely managing nuclear waste is an ongoing challenge. But nuclear power holds a unique status as an energy source with limited atmosphere-warming emissions that is also “dispatchable,” meaning it can run whenever it is needed.
A study by New England’s grid operator showed adding small modular reactors, a kind of nuclear power generator, would reduce the amount of new wind, solar and storage needed by 57%.
“If you’re a climate person, you can’t help but notice that there’s an increasing consensus that what’s referred to as ‘clean firm,’ so any sort of dispatchable technology, results in a lower-cost grid overall,” Evans-Brown said.
Other clean-energy-focused analysts say new nuclear technologies are too expensive, slow to build, and risky, and they could take away resources from other technologies in the transition away from fossil fuels.
But climate change is one of the things that changed Armond Cohen’s mind about nuclear power. Cohen is the executive director of the Clean Air Task Force. As a young lawyer, he helped lead efforts to prevent the Seabrook nuclear reactor from being built in New Hampshire.
That project sparked massive protests in the 1970s led by the “Clamshell Alliance,” with thousands of people gathering to protest at the site during several different events.
“A lot of experience changed my view on that. In New England in particular, we have very few choices for decarbonizing the grid,” he said. “Eventually we do have to find a dispatchable, always-on, always-available source.”
How has nuclear power changed?
Over time, Cohen said, he also became convinced that nuclear power was safe, and that a permanent solution for nuclear waste could be achieved.
“The operating experience of the U.S. nuclear fleet has improved dramatically,” he said. “I believe that compared to the environmental concerns around climate change and not having an always-available zero-carbon resource on the system, the safety and social or environmental impacts are really much less worrisome than the alternative.”
New nuclear technology is in the works, including smaller versions of traditional nuclear reactors and new “advanced” reactors that haven’t reached commercial scale, said Spencer Toohill, chief of staff for nuclear energy innovation at The Breakthrough Institute.
“For a state like New Hampshire that is starting to look into new nuclear as an option for their energy mix, you’re thinking at the earliest five to six years from now,” Toohill said.
The barriers to building new nuclear power are significant, given that it has been unpopular in the past in New Hampshire, and siting a new facility would need to involve community support.
“New Hampshire hasn’t built a nuclear plant in a long time,” Toohill said. “You’ve got to bring in the workforce to construct the plant, to operate the plant. You’ve got to stand up the supply chain.”
The newest nuclear plant in the U.S. was built in Georgia and completed in 2024. It was the first nuclear project to be completed in the country in three decades, and it finished several years late and billions of dollars over budget.
The U.S. Department of Energy has focused on nuclear energy in recent months, announcing support for projects to build advanced reactors and asking states to make proposals for managing nuclear waste. In fast-tracking the construction of reactors, the Trump administration has side-stepped oversight from the Nuclear Regulatory Commission and loosened safety directives.
That concerns Sarah Abramson, the executive director of the C-10 foundation, a watchdog group focused on the Seabrook nuclear station.
“Any new plants that are built under those highly relaxed rules do give me a lot of concern,” she said.
Abramson said she’d like to see a process to “obtain consent” from communities who might host nuclear projects. During that process, a community could hire their own experts and negotiate agreements for benefits, like real-time radiation monitoring and cancer incidence reviews.
“We just don’t know enough about these advanced nuclear and small modular reactors,” she said.
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