Senate bill · S10465 (2025-26)
Relates to prohibiting the exclusion of coverage based upon gender indication on insurance claim forms
New York State Senate
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.
Summary from NY Open Legislation. How we handle summaries
Amends the Insurance Law.
From NY Open Legislation, the NY Senate and Assembly, and official rosters. This record was last updated Oct 21, 2026. About our data
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Purpose, from the sponsor's memo
The purpose of this bill is to prohibit health insurance claim denials based on the gender of an insured person
Filed with the bill. Read it on nysenate.gov (opens in a new tab)
Where it stands
Assigned to a committee for review.
- Introduced
- In committee
- Up for a vote
- Passed one chamber
- Passed
- Enacted
Committee
Insurance · New York State Assembly
Also referred to Insurance · New York State Senate.
Cosponsors
Showing the cosponsors who are on Agora, A to Z. The official record may list more.
Read on NY Senate (opens in a new tab)- Democratic1
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The sponsor's argument
Why Erik Bottcher says this is needed
It has come to light that health insurers have been denying claims of transgender individuals because the gender with which the individual identifies does not match the gender of someone to whom those services are typically provided. Additionally, claims of transgender individuals are being denied solely on the basis that the gender on a claim form does not match the gender on the insurance company's records. This results in individuals having to appeal these denials, many of which are subsequently overturned, before they can receive coverage. This bill addresses these issues and ensures that transgender individuals receive health care coverage in a timely manner by prohibiting health insurers from denying coverage solely on the basis of the gender indicated on a claim form, or that the gender on a claim form does not match the insured's gender otherwise recorded, or that the gender with which the individual identifies does not match the gender of someone to whom those services are typically provided.
This is the sponsor's own case for the bill, quoted from their memorandum. It is not Agora's description of what the bill does.
Full history
- May 15, 2026
Referred to committee
REFERRED TO INSURANCE
NY Senate