Bill > A04776

This bill requires health insurance providers (including insurers, group contracts, and health services organizations) to provide a copy of their most recent individual or group contracts within thirty days when a covered individual submits a written request. Specifically, the bill amends existing insurance and public health laws to mandate that for group contracts that were negotiated through collective bargaining, insurers must promptly supply the requested contract documents upon receiving a written request from a covered individual. The bill applies to various types of health insurance contracts, including individual and direct pay subscriber contracts, and ensures that individuals have a clear and time-bound mechanism to access their health plan documentation. The new requirement creates a standard 30-day response window for insurers, giving policyholders a more transparent way to review the details of their health insurance coverage. The bill will go into effect 60 days after becoming law, providing insurers a transition period to implement the new documentation request process.

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https://www.nysenate.gov/legislation/bills/2025/A4776