Bill > S06031

This bill amends New York insurance law to prohibit insurance companies from requiring individuals to disclose HIV infection status or undergo HIV-related testing when applying for or renewing life insurance policies. Specifically, the bill prevents insurers from refusing to insure, limiting coverage, or charging different rates based on an individual's HIV status. The legislation defines key terms such as "HIV infection" (infection with the human immunodeficiency virus), "HIV-related test" (laboratory tests to detect HIV), and "AIDS" (acquired immune deficiency syndrome, as defined by the Centers for Disease Control). The bill adds new provisions that explicitly bar insurance companies from requesting or mandating HIV tests before issuing or renewing life insurance policies, aiming to protect individuals with HIV from discrimination in insurance coverage. This change is part of broader efforts to prevent health-based discrimination and ensure equal access to insurance for people living with HIV. The law will take effect 90 days after it is signed.

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https://www.nysenate.gov/legislation/bills/2025/S6031