New York S 10465: Relates to prohibiting the exclusion of coverage based upon gender indication on insurance claim forms

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S10465 Summary:

BILL NOS10465 

&nbsp

SAME ASNo Same As

&nbsp

SPONSORBOTTCHER

&nbsp

COSPNSRWEBB

&nbsp

MLTSPNSR

&nbsp

Amd §§3216, 3221 & 4303, Ins L

&nbsp

Relates to gender indication on insurance claim forms; provides policies shall not exclude coverage if gender indication is different from sex assigned at birth or gender otherwise recorded.

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BILL NOS10465 

&nbsp

05/15/2026REFERRED TO INSURANCE

Go to topS10465 Committee&nbspVotes:

Go to topS10465 Floor&nbspVotes:

There are no Assembly votes for this bill in this legislative session.

Go to topS10465 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 10465

 IN SENATE

 May 15, 2026
 ___________

 Introduced by Sens. BOTTCHER, WEBB -- read twice and ordered printed,
 and when printed to be committed to the Committee on Insurance

 AN ACT to amend the insurance law, in relation to prohibiting the exclu-
 sion of coverage based upon gender indication on claim forms

 The People of the State of New York, represented in Senate and Assem-
 bly, do enact as follows:

 1 Section 1. Subsection (i) of section 3216 of the insurance law is
 2 amended by adding a new paragraph 42 to read as follows:
 3 (42) Every policy that provides coverage for hospital, surgical or
 4 medical care shall not exclude coverage for screening, diagnosis and
 5 treatment of medical conditions, or services otherwise covered by the
 6 policy solely on the basis of the gender indicated on a claim form, or
 7 that the gender indicated on a claim form is different from the
 8 insured's sex assigned at birth or gender otherwise recorded, or that
 9 the insured is not of the gender to whom a service is provided. Nothing
 10 herein shall limit the insurer's ability to take reasonable steps,
 11 including requesting additional information, to determine whether the
 12 insured is eligible for the services, to review the claim for potential
 13 fraud, or to review the claim for clinical appropriateness.
 14 § 2. Subsection (l) of section 3221 of the insurance law is amended by
 15 adding a new paragraph 24 to read as follows:
 16 (24) Every policy that provides coverage for hospital, surgical or
 17 medical care shall not exclude coverage for screening, diagnosis and
 18 treatment of medical conditions, or services otherwise covered by the
 19 policy solely on the basis of the gender indicated on a claim form, or
 20 that the gender indicated on a claim form is different from the
 21 insured's sex assigned at birth or gender otherwise recorded, or that
 22 the insured is not of the gender to whom a service is provided. Nothing
 23 herein shall limit the insurer's ability to take reasonable steps,
 24 including requesting additional information, to determine whether the
 25 insured is eligible for the services, to review the claim for potential
 26 fraud, or to review the claim for clinical appropriateness.
 27 § 3. Section 4303 of the insurance law is amended by adding a new
 28 subsection (yy) to read as follows:

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD07854-03-6

 S. 10465 2

 1 (yy) Every contract that provides coverage for hospital, surgical or
 2 medical care shall not exclude coverage for screening, diagnosis and
 3 treatment of medical conditions, or services otherwise covered by the
 4 contract solely on the basis of the gender indicated on a claim form, or
 5 that the gender indicated on a claim form is different from the
 6 insured's sex assigned at birth or gender otherwise recorded, or that
 7 the insured is not of the gender to whom a service is provided. Nothing
 8 herein shall limit the insurer's ability to take reasonable steps,
 9 including requesting additional information, to determine whether the
 10 insured is eligible for the services, to review the claim for potential
 11 fraud, or to review the claim for clinical appropriateness.
 12 § 4. This act shall take effect on the first of January next succeed-
 13 ing the date on which it shall have become a law and shall apply to
 14 policies and contracts issued, renewed, modified, altered or amended on
 15 or after such effective date.

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