Bill > S00760

This bill clarifies and amends existing insurance law to require health insurance plans that provide major medical or comprehensive coverage and prescription drug benefits to include coverage for medically necessary epinephrine auto-injector devices used in treating life-threatening allergic reactions. The bill specifies that such coverage can be subject to annual deductibles and coinsurance, and introduces a crucial cost protection measure by capping the out-of-pocket expenses for these devices at $100 annually, regardless of the insured's deductible, copayment, or other cost-sharing requirements. An important provision addresses potential conflicts with health savings account (HSA) regulations under federal tax law, allowing coverage to be subject to the plan's annual deductible if applying the $100 cap would jeopardize HSA eligibility, with an exception for preventive care services. The bill applies to various types of health insurance policies, including individual, group, and medical service corporation plans, and ensures that insurers provide coverage for these critical medical devices while offering some flexibility in how they structure that coverage.

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https://www.nysenate.gov/legislation/bills/2025/S760