New York 2025-2026 Regular Session

New York Assembly Bill A10244

Introduced
2/12/26  

Caption

Establishes a uniform effective date for health insurance benefit mandates by requiring that every law that adds provisions to or amends provisions of sections 3216, 3221, and 4303 of the insurance law requiring a policy of health insurance to provide coverage for a new health care service, treatment, or benefit, or that otherwise mandates coverage under such policy shall take effect no earlier than the first of January next succeeding the date on which it shall have become a law and shall apply to policies and contracts issued, renewed, modified, altered or amended on or after such effective date.

Impact

The implications of this bill are significant for both insurers and consumers in New York. By standardizing the effective date for health insurance mandates, the bill is intended to eliminate confusion regarding when new coverage requirements become applicable. This is anticipated to streamline administrative processes for insurance providers while ensuring that consumers are informed of the changes in their health coverage well in advance. It may also contribute to a more predictable insurance market as providers adjust their policies and products accordingly.

Summary

Bill A10244 aims to establish a uniform effective date for laws related to health insurance benefit mandates in New York. Specifically, it states that any new legislation that adds to or amends certain sections of the insurance law—particularly those requiring health insurance policies to cover new services or benefits—will take effect no earlier than the first of January following its enactment. This change seeks to bring greater clarity and consistency to the effective dates of health mandates, allowing insurers and consumers to prepare adequately for the implementation of any new requirements.

Contention

While the bill presents benefits related to clarity and administrative efficiency, there may be concerns regarding its potential impact on the timely introduction of necessary health care services. Critics argue that delaying the effective date could hinder quick responses to emerging health needs and innovations in treatment covered by insurance. Additionally, stakeholders in the health care and insurance sectors might have differing opinions on the additional regulatory framework it introduces, particularly concerning their operational readiness to implement changes promptly.

Companion Bills

NY S09366

Same As Establishes a uniform effective date for health insurance benefit mandates by requiring that every law that adds provisions to or amends provisions of sections 3216, 3221, and 4303 of the insurance law requiring a policy of health insurance to provide coverage for a new health care service, treatment, or benefit, or that otherwise mandates coverage under such policy shall take effect no earlier than the first of January next succeeding the date on which it shall have become a law and shall apply to policies and contracts issued, renewed, modified, altered or amended on or after such effective date.

Previously Filed As

NY S09366

Establishes a uniform effective date for health insurance benefit mandates by requiring that every law that adds provisions to or amends provisions of sections 3216, 3221, and 4303 of the insurance law requiring a policy of health insurance to provide coverage for a new health care service, treatment, or benefit, or that otherwise mandates coverage under such policy shall take effect no earlier than the first of January next succeeding the date on which it shall have become a law and shall apply to policies and contracts issued, renewed, modified, altered or amended on or after such effective date.

NY H5253

Removes the age restriction for benefits coverage and requires, for health insurance policies issued or renewed on or after January 1, 2026, that coverage must include reimbursement for applied behavior analysis provider services.

NY A07906

Provides that every insurance policy delivered or issued for delivery in New York which provides major medical or similar comprehensive-type coverage shall provide space on any enrollment, renewal or initial online portal process forms so that the insured or applicant for insurance shall register or decline registration in the donate life registry.

NY S07287

Provides that every insurance policy delivered or issued for delivery in New York which provides major medical or similar comprehensive-type coverage shall provide space on any enrollment, renewal or initial online portal process forms so that the insured or applicant for insurance shall register or decline registration in the donate life registry.

NY A08914

Provides that where an active or retired police officer dies by suicide and is enrolled in a health insurance plan, the surviving dependents of such police officer shall be entitled to such health insurance coverage for ninety days following such police officer's death.

NY A09428

Provides that where an active or retired police officer dies by suicide and is enrolled in a health insurance plan, the surviving dependents of such police officer shall be entitled to such health insurance coverage for ninety days following such police officer's death.

NY S08443

Provides that where an active or retired police officer dies by suicide and is enrolled in a health insurance plan, the surviving dependents of such police officer shall be entitled to such health insurance coverage for ninety days following such police officer's death.

NY A01195

Requires that health insurance policies shall provide coverage for follow-up screening or diagnostic services for lung cancer; provides that no patient cost sharing shall be imposed for follow-up screening or diagnostic services for lung cancer.

NY S02000

Requires that health insurance policies shall provide coverage for follow-up screening or diagnostic services for lung cancer; provides that no patient cost sharing shall be imposed for follow-up screening or diagnostic services for lung cancer.

NY S08619

Requires fiscal notes to be included on any bill which imposes a new mandated insurance benefit or service; expands an existing mandated insurance benefit or service, or adds, expands or requires coverage of any benefit or service under the Medicaid fee-for-service program; requires such fiscal notes to include an actuarial analysis of the potential impact on insurance premiums as a result of such new or expanded mandated insurance benefit or service.

Similar Bills

No similar bills found.