All Roll Calls
Yes: 216 • No: 0
New YorkS 87722025-2026 Regular SessionSenateWALLET
Relates to high deductible health plans and health savings accounts; relates to the effectiveness of a chapter of the laws of 2025
Sponsored By: Jamaal Bailey (Republican)
Signed by Governor
RULESINSURANCE
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 0 benefits, 0 costs, 2 mixed.
Deductible-first coverage protects health savings accounts
Beginning January 1, 2027, these rules cover New York policies issued, renewed, modified, altered, or amended from that date. The required coverage generally remains exempt from annual deductibles and coinsurance. High-deductible plans paired with health savings accounts can apply their annual deductible when those exemptions threaten federal account eligibility. In those cases, required coverage starts after the plan’s deductible is met, rather than the federal minimum deductible. Preventive care under federal law remains covered before the deductible is met.
Drug discounts count, with savings-account limits
Beginning January 1, 2027, these rules cover New York prescription policies issued, renewed, modified, altered, or amended from that date. Insurers must count qualifying third-party payments, assistance, discounts, and vouchers toward deductibles, copays, coinsurance, out-of-pocket maximums, and other cost-sharing requirements. Covered drugs include brands without an FDA-rated equivalent generic and insurer-covered generics. Brands with an AB-rated generic also qualify through prior approval or insurer appeals, including step therapy. For high-deductible plans paired with health savings accounts, counting is delayed until the plan deductible is met when federal eligibility is threatened; preventive care is excepted.
Sponsors & Cosponsors
Sponsor
Jamaal Bailey
Republican • Senate
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
Senate vote • 1/21/2026
FLOOR Vote
Yes: 56 • No: 0
House vote • 1/21/2026
Assembly floor vote
Yes: 140 • No: 0
committee vote • 1/12/2026
Rules Committee Vote
Yes: 20 • No: 0
Actions Timeline
SIGNED CHAP.62
2/13/2026SenateDELIVERED TO GOVERNOR
2/13/2026SenateRETURNED TO SENATE
1/21/2026HousePASSED ASSEMBLY
1/21/2026HouseORDERED TO THIRD READING RULES CAL.54
1/21/2026HouseSUBSTITUTED FOR A9507
1/21/2026HouseREFERRED TO INSURANCE
1/21/2026HouseDELIVERED TO ASSEMBLY
1/21/2026SenatePASSED SENATE
1/21/2026SenateORDERED TO THIRD READING CAL.19
1/12/2026SenateREFERRED TO RULES
1/8/2026Senate
Bill Text
Original
1/8/2026
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