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.
S T A T E O F N E W Y O R K
________________________________________________________________________
10244
I N A S S E M B L Y
February 12, 2026
___________
Introduced by M. of A. WEPRIN -- read once and referred to the Committee
on Governmental Operations
AN ACT to amend the legislative law, in relation to establishing a
uniform effective date for health insurance benefit mandates
THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
BLY, DO ENACT AS FOLLOWS:
Section 1. The legislative law is amended by adding a new section 43-a
to read as follows:
§ 43-A. TIME OF TAKING EFFECT OF LAWS RELATED TO HEALTH INSURANCE
COVERAGE. 1. EVERY LAW ENACTED AFTER THE EFFECTIVE DATE OF THIS SECTION
THAT ADDS PROVISIONS TO OR AMENDS PROVISIONS OF SECTION THREE THOUSAND
TWO HUNDRED SIXTEEN, THREE THOUSAND TWO HUNDRED TWENTY-ONE, AND FOUR
THOUSAND THREE HUNDRED THREE 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.
2. THE SUPERINTENDENT OF FINANCIAL SERVICES MAY PROMULGATE SUCH RULES
AND REGULATIONS AS ARE NECESSARY TO IMPLEMENT THE PROVISIONS OF THIS
SECTION.
§ 2. This act shall take effect immediately.
EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
[ ] is old law to be omitted.
LBD14662-01-6
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