Once the Department receives your complaint, a Consumer Service Officer will determine if the Department has the authority to handle your claim. If the Department does have the authority, your complaint will be forwarded to your health insurer for a response. The insurer should respond to the Department within ten business days.[15] The total investigation time varies, but most cases are resolved within 45 days. The Department can force the insurer to cover the claim, issue a citation, or fine the insurer. If the Department determines that your health insurer knowingly violated a law or regulation, it can lose its license to offer insurance in New Hampshire.