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Bill

A 830

Prohibits the imposition of different premium rates for disability insurance based on gender

2025 Regular Session Introduced by Robert Carroll and 4 co-sponsors

Prohibits gender-based premium rates for disability insurance in New York, requiring insurers to price policies using non-gender factors and expanding fair access.

REFERRED TO INSURANCE
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WeVote Research Nonpartisan
Bill Summary · A 830

Summary of Bill A 830 — Prohibits gender-based premium rates for disability insurance

Overview

Bill A 830 would prohibit insurers from imposing different premium rates for disability insurance based on a policyholder’s gender. Introduced on January 8, 2025, and currently referred to the Insurance Committee in the New York State Assembly, the measure aims to eliminate gender-based pricing in disability insurance.

Purpose and intent

  • To ensure equality in the pricing of disability insurance by removing gender as a factor in determining premium rates.
  • To prevent discrimination in insurance pricing and promote fair access to disability coverage for all applicants, regardless of gender.

Key provisions (as stated)

  • Prohibits the imposition of different premium rates for disability insurance based on gender.
  • The text provided does not include additional details on definitions, exceptions, enforcement mechanisms, or effective dates. If enacted, the bill would likely require insurers to use non-gender-based criteria when setting disability insurance premiums.

Affected parties

  • Insurers and policy issuers that sell disability insurance in New York State would be directly impacted, needing to adjust pricing practices to remove gender as a pricing factor.
  • Individuals and entities seeking disability insurance would potentially benefit from more uniform pricing and reduced gender-based premium disparities.

Procedural and timeline notes

  • Introduced: January 8, 2025.
  • Status: REFERRED TO INSURANCE (New York Assembly); indicates the bill is in committee for consideration.
  • Legislative actions recorded: The bill has been referred to the Insurance Committee on January 8, 2025 (listed twice in the provided actions, likely a clerical duplication).
  • Companion and related bills:
    • Companion in the Senate: S 661.
    • Related Assembly bills from prior sessions: A 3024, A 6642, A 3781, A 9595.
    • Related Senate counterpart entries listed as S 661 (companion) twice.

Sponsors

  • Primary sponsor: Deborah Glick
  • Cosponsors: Jo Anne Simon, Jessica Gonzalez-Rojas, Phara Souffrant Forrest, Robert C. Carroll

Potential impact and considerations

  • Consumer impact: If enacted, consumers would face less price discrimination based on gender in disability insurance, potentially broadening access to coverage and eliminating gender-based rate differences.
  • Market impact: Insurers would need to base premiums on non-gender factors, which could affect underwriting practices and pricing structures.
  • Further steps: To understand full implications, review the bill’s full text for definitions, scope (individual vs. group policies), enforcement provisions, penalties, and any transition rules. Tracking future committee actions and floor votes in both Assembly and Senate will indicate progression.

How to track

  • Monitor the New York Assembly calendar for updates from the Insurance Committee.
  • Check for any amendments or a committee report, then potential floor votes in both houses.
  • Review the companion S 661 for parallel developments in the Senate.

Compiled from official sources — confirm details with the bill’s official record.

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