New York insurance laws
What New York has enacted on insurance, what each law requires, and what the bills still moving would do. New York is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
6 new New York laws take effect in 2027
- Bills in scope
- 481bills in scope
- Past committee
- 113past committee
- Most recent action
- 21 October 2026most recent action
Insurance laws enacted in New York
31 insurance laws enacted in the New York Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
- A 11366Extends the effectiveness of certain provisions providing for increased supplementary uninsured/underinsured motorist (SUM) insurance coverageTakes effect 23 December 2026
What it does: Extends the expiration date of provisions providing increased supplementary uninsured/underinsured motorist insurance coverage from June 30, 2026 to June 30, 2029.
Auto insurance
- A 11367Extends provisions of the property/casualty insurance availability act and the authority of the New York property insurance underwriting associationEnacted 26 June 2026
What it does: Extends the expiration date of provisions in the property/casualty insurance availability act from June 30, 2026 to June 30, 2029, affecting rate regulation and underwriting association authority under New York insurance law.
Property, catastrophe and climate risk
- S 8807Relates to procedures for protections of legally protected health activitiesEnacted 5 June 2026
What it requires: Insurers issuing medical malpractice or professional liability insurance covering health care providers licensed in New York must not refuse to issue or renew, cancel, charge increased premiums for, or exclude or limit coverage based solely on legal use or prescription of drugs for abortion recognized in specified medical compendia. Persons and entities located in New York receiving out-of-state inquiries, investigations, subpoenas, or summonses regarding legally protected health activities must not comply unless accompanied by specific affirmations and must notify the attorney general and affected individuals.
Health coverage and plan regulation, Workers' compensation, surety and specialty lines
- A 10007Enacts into law major components of legislation necessary to implement the state health and mental hygiene budget for the 2026-2027 state fiscal yearTook effect 1 June 2026
What it does: Enacts major components of the 2026-2027 state health and mental hygiene budget, organized into 28 parts (A through BB), each with specific effective dates and provisions extending various healthcare payment programs, managed care requirements, and provider reimbursement methodologies.
Health coverage and plan regulation
- S 9005Enacts into law major components of legislation necessary to implement the state public protection and general government budget for the 2026-2027 state fiscal yearTakes effect 1 January 2028
What it requires: Dealers in firearms and gunsmiths must not sell, transfer, or transport convertible pistols on or after May 31, 2027 (class D felony). Persons must not sell digital firearm manufacturing code to those lacking both a valid gunsmith license and federal firearms license (class A misdemeanor). Sellers of three-dimensional printers must equip them with blocking technology unless the buyer holds both licenses.
- A 10008Enacts into law major components of legislation necessary to implement the state transportation, economic development and environmental conservation budget for the 2026-2027 state fiscal yearTook effect 1 July 2026
What it requires: Owners of motor vehicles in New York City who receive sixteen notices of liability for speeding violations in school speed zones within twelve months must install and maintain an intelligent speed assistance device for twelve to thirty-six months depending on repeat violations. Owners must provide proof of installation within thirty days and bear installation and maintenance costs unless financially unable.
Health coverage and plan regulation, Auto insurance
- A 9510Relates to the use of virtual credit cards by insurers and certain health care plans and the effectiveness of provisions of law relating theretoTook effect 12 August 2026
What it requires: Insurers, corporations organized under insurance law, and health care plans must notify providers of fees associated with credit card, virtual credit card, or electronic funds transfer payments, offer fee-free alternatives, and obtain provider election within thirty days before using fee-imposing payment methods. No contract may waive these notice requirements.
Health coverage and plan regulation, Licensing, solvency and market conduct
- S 8772Relates to high deductible health plans and health savings accounts; relates to the effectiveness of a chapter of the laws of 2025Takes effect 1 January 2027
What it requires: Insurers offering high deductible health plans with health savings accounts must apply cost-sharing requirements, third-party payments, and financial assistance for prescription drugs to deductibles and out-of-pocket maximums. Coverage for preventive care must not be subject to deductibles or coinsurance regardless of health savings account eligibility status.
Health coverage and plan regulation
- S 8786Relates to the kinds of insurance with respect to which a rental vehicle company or peer-to-peer car sharing program administrator may act as an agent for an authorized insurerEnacted 13 February 2026
What it does: Expands the types of insurance that rental vehicle companies and peer-to-peer car sharing program administrators may act as agents for, to include accident and health insurance covering renters, occupants, and shared vehicle owners/drivers for accidental death, dismemberment, and medical expenses, plus any other coverage the superintendent approves.
Auto insurance, Licensing, solvency and market conduct
- A 3986Relates to the use of virtual credit cards by insurers and certain health care plansTook effect 17 June 2026
What it requires: Insurers, health care corporations, and health care plans may pay provider claims using credit cards, virtual credit cards, or electronic funds transfer methods that impose fees only if they notify providers of potential fees in advance, offer an alternative fee-free payment method, and obtain provider consent. Vendors processing such payments must comply with these requirements.
Licensing, solvency and market conduct
- S 5941Requires peer-to-peer car sharing programs provide certain insurance coverageTook effect 17 June 2026
What it requires: A peer-to-peer car sharing program administrator must maintain insurance during each peer-to-peer car sharing period that provides financial responsibility coverage three times the owners' policy of liability requirements, satisfies insurance law requirements, and provides supplementary uninsured/underinsured motorist insurance of at least one million two hundred fifty thousand dollars per occurrence. The administrator must either provide or offer shared vehicle owners and drivers the opportunity to purchase additional liability insurance.
Auto insurance
What it requires: Insurers offering health savings account-qualified high deductible health plans in conjunction with health reimbursement accounts or health savings accounts must apply cost sharing requirements only after enrollees satisfy the minimum deductible under Internal Revenue Code section 223, except for preventive care items or services where cost sharing applies regardless of deductible satisfaction.
Health coverage and plan regulation
- A 1195Relates to mandatory health insurance coverage for follow-up screening or diagnostic services for lung cancerTakes effect 1 January 2027
What it requires: Insurers offering medical, major medical, or similar comprehensive-type coverage must provide coverage for follow-up screening or diagnostic services for lung cancer recommended by a health care provider and consistent with nationally recognized clinical practice guidelines. Insurers must not impose patient cost sharing for such services, except that high deductible health plans may subject coverage to the annual deductible if required for health savings account eligibility.
Health coverage and plan regulation
What it requires: Insurers offering medical, major medical, or similar comprehensive coverage with prescription drug benefits must include coverage for one form of rescue and one form of maintenance inhaler for asthma treatment prescribed by a physician or licensed health care provider, with no deductible, copayment, coinsurance, or other cost-sharing requirement, except high deductible health plans may apply the annual deductible.
Health coverage and plan regulation
- S 4960Relates to extending the exemption from filing requirements only with respect to rates and policy forms to out of state businessesEnacted 21 November 2025
What it requires: Insurers issuing policies to large commercial insureds with special risk managers must file policy forms not previously filed with the superintendent for informational purposes within three business days after first delivery of the policy, but no later than sixty calendar days after the inception date. This exemption from filing requirements for rates and policy forms extends until June thirtieth, two thousand twenty-seven.
- S 5331Establishes an online insurance verification system for motor vehicle insuranceTakes effect 31 December 2028
What it requires: Insurers that write private passenger or commercial motor vehicle insurance in New York must provide the commissioner access to information about motor vehicle liability insurance policies that have been cancelled, terminated, non-renewed, or issued, including policy lapses and vehicle identification details. The commissioner must establish an online verification system accurate within seven days to enable law enforcement to verify insurance coverage.
Auto insurance, Licensing, solvency and market conduct
- A 112Repeals section 3403 of the insurance law relating to anti-arson applicationsEnacted 16 October 2025
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- A 3028Allows domestic insurers to make certain records available by electronic meansEnacted 16 October 2025
What it requires: Every domestic insurer and every licensed United States branch of an alien insurer must keep and maintain at its principal office in this state its charter, by-laws, books of account, shareholder records, and meeting minutes. An insurer may satisfy these requirements by storing records on internet-accessible servers, internal servers, or with a third-party service provider if easily accessible from the principal office and compliant with applicable laws.
Licensing, solvency and market conduct
What it requires: A provider of service contracts must insure the performance of all its obligations under service contracts through a service contract reimbursement insurance policy issued by an authorized insurer or procured by an excess line licensee. Each provider may maintain a maximum of five such policies. If insurance lapses or is terminated, the provider must comply with paragraph two or three of subsection (c) within forty-five days.
Workers' compensation, surety and specialty lines
- A 5600Relates to certain voidable transfers affecting a federal home loan bankEnacted 26 September 2025
What it requires: A receiver shall not void transfers of money or property under a federal home loan bank security agreement made before formal proceedings in the ordinary course of business unless made with actual intent to hinder, delay, or defraud. A federal home loan bank shall not be stayed or prohibited from exercising rights under such security agreements. A receiver shall not disavow or reject federal home loan bank security agreements.
- A 7906Clarifies the provision of donate life registration to certain insured personsEnacted 26 September 2025
What it requires: Insurers and health plan operators delivering major medical or comprehensive coverage policies in New York must provide space on enrollment, renewal, and initial online portal setup forms for insureds, applicants, and subscribers to register or decline registration in the Donate Life Registry for organ, eye and tissue donations, with specified language in clear and conspicuous type.
Health coverage and plan regulation
What it requires: Life insurance companies must comply with indexed limits on training allowance subsidies for agents, with maximum cumulative subsidies of fifty-four thousand dollars in year one, eighty-five thousand dollars in year two, one hundred five thousand dollars in year three, and one hundred sixteen thousand dollars in year four. Companies must notify the superintendent within ninety days if they make payments exceeding subsection (d) limits and cannot recover them.
Life insurance and annuities, Licensing, solvency and market conduct
What it requires: The superintendent shall exempt stock and non-stock insurance companies whose primary liability arises from medical malpractice insurance through December 31, 2028 from provisions of section 1324. No application for rehabilitation or liquidation of a domestic insurer whose primary liability arises from medical malpractice insurance may be made on specified grounds prior to December 31, 2028.
Licensing, solvency and market conduct
- A 3005Enacts into law major components of legislation necessary to implement the state public protection and general government budget for the 2025-2026 state fiscal yearTook effect 15 May 2025
What it does: Enacts major components of the 2025-2026 state public protection and general government budget, including modifications to correction officer hiring, police officer age requirements, crime victim compensation eligibility and amounts, retirement provisions, and authorization to close up to three correctional facilities.
Health coverage and plan regulation
- S 3007Enacts into law major components of legislation necessary to implement the state health and mental hygiene budget for the 2025-2026 state fiscal yearTook effect 1 April 2025
What it does: Enacts major components of the 2025-2026 state health and mental hygiene budget through Parts A-MM, extending various healthcare payment provisions, assessment authorities, and program expiration dates, with each part containing specific effective dates.
Health coverage and plan regulation
- S 3008Enacts into law major components of legislation necessary to implement the state transportation, economic development and environmental conservation budget for the 2025-2026 state fiscal yearTook effect 1 September 2025
What it does: Enacts major components of legislation implementing New York's 2025-2026 state transportation, economic development, and environmental conservation budget across multiple parts, including MTA funding commitments, vehicle regulations, cannabis licensing fees, and other policy changes.
Auto insurance, Licensing, solvency and market conduct
What it requires: Mortgagees shall not require mortgagors to purchase flood insurance on improved residential real property at a coverage amount exceeding the lesser of the replacement value or the outstanding principal mortgage balance, and shall not require coverage for contents. Mortgagees must provide notice to mortgagors stating that required flood insurance protects only the lender's interest and may be insufficient.
Property, catastrophe and climate risk
- A 419Requires insurance contracts to cover neuropsychological examinations for dyslexiaEnacted 14 February 2025
What it requires: Insurers offering policies that provide coverage for physician services, medical, major medical or similar comprehensive-type coverage must provide coverage for comprehensive neuropsychological examinations for dyslexia upon referral of a physician when performed by a health care professional licensed, certified, or authorized pursuant to title eight of the education law and acting within their scope of practice.
Health coverage and plan regulation
- A 430Requires certain health insurance policies to cover scalp cooling systems for the preservation of hair during cancer chemotherapy treatment; repealerTook effect 1 January 2026
What it requires: Every large group policy or contract delivered or issued for delivery in New York that provides medical, major medical, or similar comprehensive-type coverage and provides coverage for cancer chemotherapy treatment must provide coverage for scalp cooling systems used in connection with cancer chemotherapy treatment. Coverage may be subject to annual deductibles and coinsurance including copayments as deemed appropriate by the superintendent.
Health coverage and plan regulation
What it requires: Insurers offering medical, major medical, or similar comprehensive-type coverage must provide coverage for prenatal vitamins when prescribed by a health care practitioner licensed, certified, or authorized under title eight of the education law and acting within their lawful scope of practice. Such coverage may be subject to annual deductibles and coinsurance as deemed appropriate by the superintendent and consistent with other policy benefits.
Health coverage and plan regulation
What it requires: Every insurer, group or blanket policy issuer, medical expense indemnity corporation, hospital service corporation, and health service corporation providing major medical or similar comprehensive-type coverage and prescription drug coverage in New York must include coverage for medically necessary epinephrine auto-injector devices for emergency treatment of life-threatening allergic reactions, with an annual out-of-pocket cap of one hundred dollars.
Health coverage and plan regulation
Insurance in New York, by topic
Health coverage and plan regulation
236 bills, 15 enacted. Enacted in 47 states.
Licensing, solvency and market conduct
125 bills, 9 enacted. Enacted in 47 states.
Auto insurance
62 bills, 6 enacted. Enacted in 29 states.
Workers' compensation, surety and specialty lines
51 bills, 2 enacted. Enacted in 45 states.
Property, catastrophe and climate risk
32 bills, 3 enacted. Enacted in 31 states.
Life insurance and annuities
23 bills, 1 enacted. Enacted in 24 states.
AI and data in underwriting and claims
18 bills. Enacted in 12 states.
Insurance bills in New York
The bills not yet law, furthest along first, with what each would do.
31Enacted
10Cleared both chambers
72Past committee
3Active in committee
365Introduced or inactive
481 bills in scope
Cleared both chambers
10
What it would do: Prohibits Medicaid and managed care providers from requiring prior authorization for antiretroviral prescription drugs used to treat or prevent HIV or AIDS, and prohibits prior authorization requirements for such drugs in state public health plans.
What it would do: Adds creative arts therapists licensed under education law article 163 to the list of mental health professionals whose outpatient services must be covered by certain insurance policies and health service corporations when they provide coverage for physician or mental health services.
What it would do: Creates a comprehensive regulatory framework for travel insurance in New York by establishing licensing requirements for travel insurance producers, defining travel insurance and related terms, setting premium tax obligations, and establishing sales practices and disclosure requirements.
What it would do: Prohibits insurers from refusing to issue or renew homeowners' or renters' insurance policies, canceling such policies, charging increased premiums, or excluding coverage based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.
What it would do: Establishes a fraud assessment commission and creates a workers' compensation fraud investigation fund financed by assessments on employers, with at least 50 percent distributed to district attorneys for investigating and prosecuting workers' compensation fraud cases.
What it would do: Establishes regulatory framework for pet insurance in New York, defining pet insurance as property coverage for pet accidents and illnesses, requiring insurers to disclose policy terms, exclusions, waiting periods, and claim payment bases to consumers, and mandating insurance producer training on pet insurance products.
What it would do: Requires the superintendent of financial services to promulgate regulations providing standardized definitions for commonly used terms in personal lines and commercial property insurance policies by January 1, 2027, with insurers permitted to use alternative definitions no less favorable to policyholders.
What it would do: Requires Medicaid managed care organizations to reimburse durable medical equipment, prosthetics, orthotics, and related supplies providers at no less than one hundred percent of the medical assistance fee schedule for the same service or item.
What it would do: Requires health insurers, group policies, and health service corporations providing medical coverage to cover all costs for habilitative and rehabilitative speech therapy for stuttering upon physician referral, performed by licensed professionals, with no durational limits or visit maximums.
What it would do: Requires health insurance policies to reimburse pharmacists who dispense self-administered hormonal contraceptives and provide related services at the same rate as other health care providers.
Past committee
15 of 72 shown
What it would do: Requires pharmacy benefit managers to pay participating pharmacies at minimum the national average drug acquisition cost rate or pharmacy acquisition cost rate plus a professional dispensing fee at least equal to the state medical assistance program rate, effective January 1, 2027.
What it would do: Requires all authorized insurers to participate in assigned risk plans for voluntary foster care agencies' liability insurance, establishes payment standards for insurance costs, and creates a bridge fund to offset increased liability insurance expenses for eligible agencies.
What it would do: Requires large group health insurance policies to cover all costs for speech therapy for stuttering upon physician referral, including habilitative and rehabilitative treatment by licensed professionals, with no durational limits or visit maximums, effective January 1, 2028.
What it would do: Requires all dental insurance policies to disclose that participating providers may charge normal fees for non-covered services and must provide estimated costs before providing such services. Defines covered services and applies to policies issued on or after January 1, 2027.
What it would do: Amends insurance law to permit licensed insurance agents, brokers, adjusters, consultants, and intermediaries to carry forward up to five excess continuing education credit hours from one biennial licensing period to the next for the same class of license.
What it would do: Removes the requirement that injured workers demonstrate ongoing attachment to the labor market to receive permanent partial disability benefits under workers' compensation law, and prohibits carriers and employers from withholding, diminishing, or conditioning benefits based on such attachment.
What it would do: Requires health insurance contracts to include postpartum pelvic floor therapy as part of minimum maternity care coverage, along with parent education, feeding assistance, and maternal and newborn clinical assessments. Effective January 1 following enactment for policies issued or renewed thereafter.
What it would do: Eliminates podiatry, chiropractic, and psychology practice committees from workers' compensation law and replaces committee consultation requirements with requests to the New York state associations for those professions regarding fair compensation for treatment.
What it would do: Requires insurers offering mental health or substance use disorder coverage to comply with federal parity requirements, provide meaningful benefits across all classifications, avoid discriminatory treatment limitations, submit annual reports, and provide free parity analyses within thirty days or face one hundred dollars per day penalties.
What it would do: Requires property/casualty insurers to annually submit zip code-level data to the Department of Financial Services and mandates insurers offer actuarially appropriate premium discounts for property-specific and community-level natural disaster mitigation actions on residential properties.
What it would do: Prohibits insurers from refusing to continue coverage, canceling, declining renewal, limiting coverage, increasing premiums, or imposing less favorable terms solely because a policyholder is widowed or their marital status reflects a spouse's death.
What it would do: Clarifies that residents of New York State and policyholders, contract holders, certificate holders, or beneficiaries may sue an insurer for penalties when the insurer knowingly violates provisions regarding misrepresentations, misleading statements, or incomplete comparisons.
What it would do: Exempts digital advertisements from the requirement that insurance agents and brokers include the insurer's full name and principal U.S. office location in all advertisements, public announcements, signs, pamphlets, circulars and cards.
What it would do: Creates a comprehensive regulatory framework for travel insurance in New York by establishing licensing requirements for travel insurance agents, defining travel protection plans, setting sales practices standards, and classifying travel insurance as inland marine coverage for rating purposes.
What it would do: Prohibits insurers from refusing to issue or renew individually-owned private passenger automobile insurance policies solely because the vehicle will be used for volunteer firefighting or providing social service transportation for nonprofit charitable organizations or governmental agencies.
Showing the 25 furthest along of 450. Subscribers see all of them, filtered and searchable. Bill titles link to the New York Legislature's own page.
What counts as insurance legislation
In scope: Health coverage and plan regulation; auto; property and catastrophe; life and annuities; aI and data in underwriting; workers' compensation and specialty lines; and licensing, solvency and market conduct.
Questions
Does New York have an insurance law?
Yes. New York enacted 31 insurance laws in the 2025 and 2026 sessions, among them A 11366, A 11367 and S 8807. Each is listed on this page with what it requires.
When do New York's insurance laws take effect?
A 11366 on 23 December 2026, A 10007 on 1 June 2026, S 9005 on 1 January 2028, A 10008 on 1 July 2026 and A 9510 on 12 August 2026. The others have no single date in their text.
Which insurance bills are moving in New York?
82 bills not yet law have passed a committee or a chamber, the furthest along A 26 (vetoed), A 3319 (vetoed) and S 5304 (vetoed).
What does New York legislate on most in insurance?
Health coverage and plan regulation (236 bills), Licensing, solvency and market conduct (125 bills) and Auto insurance (62 bills).
Are these summaries reviewed by a lawyer?
No. Which bills count as Insurance bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.
Other practice areas in New York
- AI in New York139
- Alcohol in New York118
- Cannabis in New York100
- Children's Online Safety in New York28
- Cybersecurity in New York24
- Data center and energy in New York19
- Data Privacy in New York91
- Employment in New York348
- Healthcare in New York337
- Intellectual Property in New York28
- Packaging and PFAS in New York64
- Payments and fintech in New York38
- Rental housing in New York197
- Tobacco and nicotine in New York49
- Transportation in New York49
- All jurisdictions
Insurance legislation in other jurisdictions
52 more currently hold bills in this tracker
- New Jersey539
- Texas314
- Massachusetts246
- Connecticut230
- Louisiana214
- Maryland208
- Missouri197
- Hawaii190
- Rhode Island188
- Mississippi187
- Florida185
- West Virginia175
- Illinois174
- Virginia158
- Montana155
- Oklahoma152
- Pennsylvania152
- California146
- Michigan137
- Iowa127
- Georgia112
- Kentucky109
- Tennessee99
- Indiana93
- Arizona91
- South Carolina86
- North Carolina80
- Minnesota78
- Oregon74
- Ohio70
- Utah70
- Arkansas68
- Washington67
- Kansas66
- Maine66
- New Hampshire63
- Nebraska60
- New Mexico59
- Colorado56
- Nevada54
- Congress48
- Wisconsin48
- Idaho47
- Alaska38
- Alabama32
- Delaware30
- North Dakota29
- Vermont29
- South Dakota21
- District of Columbia8
- Puerto Rico6
- Wyoming4
Know when New York's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.