New YorkA 95102025-2026 Regular SessionHouseWALLET

Relates to the use of virtual credit cards by insurers and certain health care plans and the effectiveness of provisions of law relating thereto

Your PRIA Score

Score Hidden

Personalized for You

How does this bill affect your finances?

Sign up for a PRIA Policy Scan to see your personalized alignment score for this bill and every other piece of legislation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.

Free to start

Bill Overview

Analyzed Economic Effects

2 provisions identified: 1 benefits, 0 costs, 1 mixed.

Fee-free claim payments for providers

Insurers and health plans must tell you before using a card or EFT that charges you a fee. They must offer a fee-free way to pay you. You or your agent have 30 days to choose. If you do not choose, they must use the fee-free method, or another fee-free method if needed to meet payment timelines. They cannot charge a fee just to send an EFT unless you elected that method. Your choice stays in place until you change it in writing. If a payer uses a payment vendor, the vendor must follow these rules. New or changed contracts cannot waive these rights. Rules about vendors you hire yourself do not change.

When these payment rules start

Some parts of the law take effect right away. Many contract rules start 180 days after the law becomes effective and apply to contracts issued, renewed, or changed on or after that day. Sections 1 through 3 take effect on the same date and in the same manner as a 2025 law that also updates these payment rules.

Sponsors & Cosponsors

Sponsor

Alex Bores
Democratic • House

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 60 • No: 0

House vote • 2/3/2026

FLOOR Vote