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New YorkA 37952025-2026 Regular SessionHouseWALLET

Relates to financial loss as a result of a failed in-vitro fertilization or intrauterine insemination

Sponsored By: David Weprin (Democratic)

Signed by Governor

INSURANCE

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

More insurance options for intended parents

Starting 30 days after enactment, New York law allows credit insurance to cover intended parents’ losses from failed fertility treatment. This covers in-vitro fertilization or intrauterine insemination received by an intended parent or surrogate that produces no birth. Eligible costs include the surrogate’s living costs during treatment, treatment travel, and medical bills health insurance does not cover. Those bills include copayments, deductibles, and coinsurance, but the policy cannot cover only medical bills and these payments. Insurance also can cover losses when a surrogate cannot fulfill the contract because of death, injury, sickness, disappearance, late miscarriage, or stillbirth. That coverage can include medical bills, cost-sharing, necessary living costs during surrogacy, travel, the surrogate’s legal fees, and other lawful expenses. Insurers must state in the application and a prominent notice at issuance that fertility-treatment credit insurance does not replace comprehensive health insurance. Excess line brokers must provide the same disclosure on the insurer’s behalf.

Updated expense coverage for adoptive parents

Starting 30 days after enactment, New York law updates adoption-related credit insurance to use “gestational parent”: the person giving birth. Coverage can reimburse an adoptive parent or their spouse when both biological parents withdraw or withhold adoption consent. Expenses must be lawful, verifiable, and paid to or for the person giving birth. Eligible costs include maternity medical bills, necessary living costs before and during childbirth, adoption travel, legal fees, and other lawful expenses.

Sponsors & Cosponsors

Sponsor

  • David Weprin

    Democratic • House

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 202 • No: 4

Senate vote • 5/14/2025

FLOOR Vote

Yes: 57 • No: 0

House vote • 3/4/2025

Assembly floor vote

Yes: 145 • No: 4

Actions Timeline

  1. SIGNED CHAP.448

    10/16/2025House

  2. DELIVERED TO GOVERNOR

    10/9/2025House

  3. RETURNED TO ASSEMBLY

    5/14/2025Senate

  4. PASSED SENATE

    5/14/2025Senate

  5. 3RD READING CAL.919

    5/14/2025Senate

  6. SUBSTITUTED FOR S698

    5/14/2025Senate

  7. REFERRED TO INSURANCE

    3/4/2025Senate

  8. DELIVERED TO SENATE

    3/4/2025House

  9. PASSED ASSEMBLY

    3/4/2025House

  10. ADVANCED TO THIRD READING CAL.40

    2/27/2025House

  11. REPORTED

    2/24/2025House

  12. REFERRED TO INSURANCE

    1/30/2025House

Bill Text

  • Original

    1/30/2025

    PDF

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