Bill > A00427

This bill clarifies the definition of medical debt in New York state law by specifying that medical debt refers to any financial obligation related to health care services, products, or devices provided to a person by specific healthcare providers, including hospitals licensed under article twenty-eight of the public health law, healthcare professionals authorized under title eight of the education law, or ambulance services certified under article thirty of the public health law. The bill explicitly states that medical debt does not include charges to a credit card unless that credit card is specifically issued for the purpose of paying for healthcare services. The key modification is the insertion of the phrase "to a person" in the definition, which helps to more precisely define the scope of medical debt and ensure that the financial obligation is directly linked to an individual's healthcare services. The bill aims to provide clearer guidelines about what constitutes medical debt, which could have implications for medical billing, credit reporting, and consumer protections.

Business and Industry

https://www.nysenate.gov/legislation/bills/2025/A427