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<meta name="description" content="Connor's Law (RSA 417-E) requires New Hampshire insurers to cover ABA therapy. The $36,000 and $27,000 annual caps were repealed in 2022. Here is what the current law actually says.">
<title>What Does Connor's Law Actually Cover in New Hampshire? ABA Coverage, the Dollar Caps That No Longer Exist, and Which Plans Have to Follow It | Achieving Stars Therapy</title>
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<div class="hero"><div class="hero-inner"><span class="location-badge">New Hampshire Insurance</span><h1>What Does Connor's Law Actually Cover?</h1><p>Connor's Law is New Hampshire's autism insurance mandate, written into RSA 417-E. It requires state-regulated health plans to cover applied behavior analysis. The annual dollar caps people still quote were repealed in 2022.</p></div></div>
<div class="quick-info"><div class="info-item"><div class="info-label">Law</div><div class="info-value">RSA 417-E</div></div><div class="info-item"><div class="info-label">Dollar Cap</div><div class="info-value">None</div></div><div class="info-item"><div class="info-label">Caps Repealed</div><div class="info-value">Sept. 2022</div></div><div class="info-item"><div class="info-label">Applies To</div><div class="info-value">Fully insured</div></div></div>
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<section><p>Connor's Law requires New Hampshire health insurers to cover the diagnosis and treatment of autism, and it names applied behavior analysis specifically. The statute is <a href="https://gc.nh.gov/rsa/html/xxxvii/417-e/417-e-2.htm" rel="nofollow noopener" target="_blank">RSA 417-E:2</a>. ABA must be delivered by someone certified by the Behavior Analyst Certification Board, or supervised by someone who is.</p></section>
<section><h2>The $36,000 and $27,000 caps are gone</h2><p>This is the part almost every page on the internet still gets wrong. New Hampshire used to cap autism coverage at $36,000 a year for kids 0 to 12, and $27,000 for ages 13 to 21. Parents still find those numbers on blogs, in old PDFs, and sometimes from a confused benefits rep.</p>
<p>They were repealed, effective September 23, 2022. Read the current statute and there is no dollar figure in it at all, for autism spectrum disorder or anything else.</p>
<div class="highlight-box"><p><strong>If an insurer says your child hit an annual autism cap, ask them to cite the statute.</strong> There isn't one anymore. A plan can still run medical-necessity review. A flat yearly dollar ceiling on ABA is a different thing, and Connor's Law no longer permits it.</p></div></section>
<section><h2>Which plans have to follow it</h2><p>Connor's Law binds insurers issuing policies in New Hampshire. That means fully insured plans, the kind the state regulates.</p>
<p>It does not reach self-funded employer plans. Those fall under federal ERISA law, and state mandates do not apply. Large employers often self-fund, and most parents have no idea which kind they have.</p>
<p>How to find out: call the number on your card and ask, in these words, whether the plan is "fully insured or self-funded." HR can also answer it. One phone call, and it changes what the law can do for you. Self-funded does not mean no coverage. Many self-funded plans cover ABA anyway. It just means Connor's Law is not the lever you pull.</p>
<p>The statute also bars denying coverage on the grounds that services are habilitative rather than rehabilitative, a technicality insurers once used against kids learning a skill for the first time.</p></section>
<section><h2>Frequently Asked Questions</h2>
<div class="faq-item"><h3>Does Connor's Law apply to Medicaid?</h3><p>No. Medicaid covers ABA through the EPSDT benefit, a separate track. Achieving Stars Therapy accepts New Hampshire Medicaid and most commercial plans across <a href="/location/states/aba-therapy-new-hampshire">New Hampshire</a>.</p></div>
<div class="faq-item"><h3>My plan denied ABA. Now what?</h3><p>Get the denial in writing, then check whether the plan is fully insured. If it is, and the denial rests on a dollar cap, that is worth appealing. Achieving Stars Therapy reads families' benefits before therapy starts in <a href="/location/city/aba-therapy-manchester-nh">Manchester</a> and <a href="/location/city/aba-therapy-nashua-nh">Nashua</a>, so denials get caught early.</p></div>
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<p class="disclaimer">Reflects RSA 417-E as published by the New Hampshire General Court, read July 14, 2026. General information, not legal advice. Coverage depends on your specific plan.</p>
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