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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)

Became Law

RULESINSURANCE

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 0 benefits, 0 costs, 3 mixed.

New cost rules for HSA high‑deductible plans

For HSA-linked high-deductible plans, some services that New York normally protects from deductibles can be put under your plan’s deductible to keep the HSA valid. You pay the deductible first, then regular copays or coinsurance apply. Preventive care stays covered under preventive rules, even before you meet the deductible. Starting January 1, 2027, this applies to policies issued, renewed, or changed on or after that date.

Prescription discounts count toward your costs

Insurers must count coupons, copay help, and other discounts for certain drugs toward your deductible, copays, coinsurance, and out-of-pocket max. For HSA-linked high-deductible plans, that counting toward the deductible starts only after you meet the deductible. Preventive drugs follow preventive-care rules. This applies to covered generics, brands without a generic, and brands you get by prior authorization or appeal. It starts January 1, 2027 for policies issued, renewed, or changed on or after that date.

When these HSA plan rules start

The law is in effect now. But the insurance changes for high-deductible plans and HSAs start January 1, 2027. They apply to policies issued, renewed, modified, altered, or amended on or after that date.

Sponsors & Cosponsors

Sponsor

  • Jamaal Bailey

    Republican • Senate

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 76 • No: 0

Senate vote • 1/21/2026

FLOOR Vote

Yes: 56 • No: 0

committee vote • 1/12/2026

Rules Committee Vote

Yes: 20 • No: 0

Actions Timeline

  1. SIGNED CHAP.62

    2/13/2026Senate

  2. DELIVERED TO GOVERNOR

    2/13/2026Senate

  3. RETURNED TO SENATE

    1/21/2026House

  4. PASSED ASSEMBLY

    1/21/2026House

  5. ORDERED TO THIRD READING RULES CAL.54

    1/21/2026House

  6. SUBSTITUTED FOR A9507

    1/21/2026House

  7. REFERRED TO INSURANCE

    1/21/2026House

  8. DELIVERED TO ASSEMBLY

    1/21/2026Senate

  9. PASSED SENATE

    1/21/2026Senate

  10. ORDERED TO THIRD READING CAL.19

    1/12/2026Senate

  11. REFERRED TO RULES

    1/8/2026Senate

Bill Text

  • Original

    1/8/2026

    PDF

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