Relates to prohibiting the exclusion of coverage based upon gender indication on insurance claim forms
This bill aims to ensure that insurance claims cannot be denied due to a person's gender indication differing from their sex assigned at birth. It seeks to provide more equitable access to coverage.
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S10465 — Relates to prohibiting the exclusion of coverage based upon gender indication on insurance claim forms
Last action — In Senate Committee
No card. One bill, free forever — alerts when it moves.
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1Introduced
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2In Committee
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3Passed Senate
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4Passed Assembly
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5To Executive
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6Enacted
This bill has been introduced in the Senate. Introduced May 15, 2026. It must pass committee before a floor vote.
Next likely step: a committee referral and hearing.
Prognosis
Where this bill stands today.
Odds of enactment
LowHow often bills like it became law.
Not enough signal yet to read this bill's trajectory — we surface a likelihood only once there's real movement (stage, sponsorship, committee, or votes) to point to.
Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.
In plain language
The bill prohibits insurance policies from denying coverage based on gender indication differences.
This bill aims to ensure that insurance claims cannot be denied due to a person's gender indication differing from their sex assigned at birth. It seeks to provide more equitable access to coverage.
Summary
Relates to gender indication on insurance claim forms; provides policies shall not exclude coverage if gender indication is different from sex assigned at birth or gender otherwise recorded.
Bill Text
- Full text View text Current
Compared against the New York Consolidated Laws as published AI-generated reading aid — verify against the official bill.
This bill amends 1 section(s) of the New York Consolidated Laws: Section 3216 of the insurance law.
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Section 3216 of the insurance law
(42) Every policy that provides coverage for hospital, surgical or medical care shall not exclude coverage for screening, diagnosis and treatment of medical conditions, or services otherwise covered by the policy solely on the basis of the gender indicated on a claim form, or that the gender indicated on a claim form is different from the insured's sex assigned at birth or gender otherwise recorded, or that the insured is not of the gender to whom a service is provided. Nothing herein shall limit the insurer's ability to take reasonable steps, including requesting additional information, to determine whether the insured is eligible for the services, to review the claim for potential fraud, or to review the claim for clinical appropriateness. (24) Every policy that provides coverage for hospital, surgical or medical care shall not exclude coverage for screening, diagnosis and treatment of medical conditions, or services otherwise covered by the policy solely on the basis of the gender indicated on a claim form, or that the gender indicated on a claim form is different from the insured's sex assigned at birth or gender otherwise recorded, or that the insured is not of the gender to whom a service is provided. Nothing herein shall limit the insurer's ability to take reasonable steps, including requesting additional information, to determine whether the insured is eligible for the services, to review the claim for potential fraud, or to review the claim for clinical appropriateness. italics (yy) Every contract that provides coverage for hospital, surgical or medical care shall not exclude coverage for screening, diagnosis and treatment of medical conditions, or services otherwise covered by the contract solely on the basis of the gender indicated on a claim form, or that the gender indicated on a claim form is different from the insured's sex assigned at birth or gender otherwise recorded, or that the insured is not of the gender to whom a service is provided. Nothing herein shall limit the insurer's ability to take reasonable steps, including requesting additional information, to determine whether the insured is eligible for the services, to review the claim for potential fraud, or to review the claim for clinical appropriateness.
amended
Action History
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REFERRED TO INSURANCE
Sponsors
- Erik Bottcher · Primary
Sponsorship breakdown
Export CSV (upgrade) →1 sponsors · 0 co-sponsors · 218 not signed on
Sponsors (1)
Co-sponsors (0)
None.
Not signed on (218)
218 members have not signed on to this bill.
Show all 218 →"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.
Subjects
Frequently asked questions
- What does S10465 do?
- Relates to gender indication on insurance claim forms; provides policies shall not exclude coverage if gender indication is different from sex assigned at birth or gender otherwise recorded.
- Who sponsors S10465?
- S10465 is sponsored by Erik Bottcher.
- What is the current status of S10465?
- This bill has been introduced in the Senate. Introduced May 15, 2026. It must pass committee before a floor vote.
- Where can I track S10465?
- Track S10465 free on One Click Politics — get push/email alerts when it moves.
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Last checked for changes 4 months ago · updated continuously
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