# New York A 3986: Relates to the use of virtual credit cards by insurers and certain health care plans

New York A 3986, Relates to the use of virtual credit cards by insurers and certain health care plans, is a 2025-2026 Regular Session House bill sponsored by Alex Bores (Democratic); status signed, last action 2025-12-19 (APPROVAL MEMO.31) (as of 2026-10-19).

- Canonical: https://policyrisk.com/state-bill/NY-A3986-2025
- As of: 2026-10-19
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: New York A 3986
- State: New York
- Session: 2025-2026 Regular Session
- Title: Relates to the use of virtual credit cards by insurers and certain health care plans
- Status: signed
- Chamber: House
- Introduced: 2025-01-30
- Last action: 2025-12-19, APPROVAL MEMO.31
- Sponsor: Alex Bores (Democratic)
- Cosponsors: 2
- Subjects: INSURANCE, RULES
- Touches household money: no
- Roll calls: 2 (204 yes, 0 no in all)
- Economic provisions PRIA read: 1

## Summary

No summary available.

## Bill overview: provisions PRIA read

- Health care providers control payment fees: benefit, low. Starting on the 180th day after the law takes effect, New York adds protections against provider payment fees. These cover health professionals and groups licensed under Title Eight of the education law with participating provider contracts. Insurers, Article 43 health care corporations, and health…

## Sponsors and cosponsors

- Sponsor: Alex Bores (Democratic), House
- Cosponsor: David Weprin (Democratic), House
- Cosponsor: Harvey Epstein (Democratic), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-06-11 | Senate | FLOOR Vote | pass | 59 | 0 |   |
| 2025-05-27 | House | Assembly floor vote | pass | 145 | 0 |   |

## Actions (17)

- 2025-12-19: APPROVAL MEMO.31 (House)
- 2025-12-19: SIGNED CHAP.647 (House)
- 2025-12-08: DELIVERED TO GOVERNOR (House)
- 2025-06-11: RETURNED TO ASSEMBLY (Senate)
- 2025-06-11: PASSED SENATE (Senate)
- 2025-06-11: 3RD READING CAL.1801 (Senate)
- 2025-06-11: SUBSTITUTED FOR S2105A (Senate)
- 2025-05-27: REFERRED TO INSURANCE (Senate)
- 2025-05-27: DELIVERED TO SENATE (House)
- 2025-05-27: PASSED ASSEMBLY (House)
- 2025-05-27: ORDERED TO THIRD READING RULES CAL.263 (House)
- 2025-05-27: RULES REPORT CAL.263 (House)
- 2025-05-27: REPORTED (House)
- 2025-05-20: REPORTED REFERRED TO RULES (House)
- 2025-05-16: PRINT NUMBER 3986A (House)
- 2025-05-16: AMEND AND RECOMMIT TO INSURANCE (House)
- 2025-01-30: REFERRED TO INSURANCE (House)

## Bill text

- Amendment A, 2025-05-16: [PDF](https://legislation.nysenate.gov/pdf/bills/2025/A3986A)
- Original, 2025-01-30: [PDF](https://legislation.nysenate.gov/pdf/bills/2025/A3986)

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## Sources
- [Amendment A (PDF)](https://legislation.nysenate.gov/pdf/bills/2025/A3986A)
- [Original (PDF)](https://legislation.nysenate.gov/pdf/bills/2025/A3986)

## Related
- [S 10643: Relates to labor peace agreements and the cannabis industry wage board; repealer](https://policyrisk.com/state-bill/NY-S10643-2025)
- [S 9051: Prohibits artificial intelligence companions from using features which are cons…](https://policyrisk.com/state-bill/NY-S9051-2025)
- [A 5175: Requires certain security features and warning labels on baby monitors](https://policyrisk.com/state-bill/NY-A5175-2025)
- [A 11443: Relates to commercial food fish licenses](https://policyrisk.com/state-bill/NY-A11443-2025)
- [A 10343: Relates to fees and expenses in unemployment insurance proceedings; extending e…](https://policyrisk.com/state-bill/NY-A10343-2025)
- [A 10052: Extends the effectiveness of the authority of the town of Red Hook to impose re…](https://policyrisk.com/state-bill/NY-A10052-2025)
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Source: PRIA, https://policyrisk.com/state-bill/NY-A3986-2025 (as of 2026-10-19).