GovBuddy
Menu
GovBuddy

Connect, Connect Plus, and Engage, from access to professional intelligence.

ProductsConnectConnect PlusEngageExploreAudit BillsBillsCommitteesDirectoryMorePlansStoreBlogContact
Home/Bills/S 6895New York · 2025–2026 Legislative Session
Senate BillIntroducedISC

S 6895: Relates to cost sharing requirements for high deductible health plans and health savings accounts.

New York · Senate · 2025–2026 Legislative Session · last verified September 28, 2025

What S 6895 does, verified September 28, 2025

The bill aims to modify the Insurance Law to address high deductible health plans (HDHPs) and health savings accounts (HSAs). With HDHPs offered in conjunction with a health reimbursement account or HSA, cost-sharing requirements will apply to the deductible of the HDHP only after the enrollee has satisfied the minimum deductible required under the Internal Revenue Code. This means that if an HDHP has a deductible that would make the enrollee ineligible for an HSA under the Internal Revenue Code, the cost-sharing requirements will apply only after the minimum deductible has been met. Additionally, preventive care items or services will be exempt from this rule, allowing the cost-sharing requirements to apply regardless of whether the minimum deductible has been satisfied. These modifications will take effect immediately.

Bill journey
1IntroducedCurrent
2In CommitteePending
3First Chamber FloorPending
4Second ChamberPending
5GovernorPending
6ChapteredPending
Last action: SUBSTITUTED BY A5367A (2025-06-12)Alert me
Quick answers about S 6895
What is the current status of S 6895?
As of September 28, 2025, S 6895 is recorded as "Introduced": it has been introduced and is waiting for its first committee hearing or floor vote. The last recorded action, on June 12, 2025, was "SUBSTITUTED BY A5367A".
Did S 6895 pass?
Not yet. S 6895 has been introduced and has not passed either house.
Who wrote S 6895, and where is it now?
S 6895 was authored by Sen. Jamaal Bailey with 1 coauthor. It is filed under ISC, alongside 202 other New York ISC bills this session.
Author and sponsors
Sen. Jamaal BaileyAuthor · New York State Senate
Full contact details, staff, and committees with Connect, $16/moUnlock
Coauthors
Robert Jackson
Recent actions6 total · showing 5
Jun. 12, 2025SUBSTITUTED BY A5367A
May. 19, 2025AMENDED ON THIRD READING 6895A
May. 07, 2025ADVANCED TO THIRD READING
May. 06, 20252ND REPORT CAL.
May. 05, 20251ST REPORT CAL.925
Full action history, 1 earlier actionConnect Plus
Latest bill textIntroduced version, March 26, 2025 · 357 words
  
  STATE OF NEW YORK ________________________________________________________________________ 6895 2025-2026 Regular Sessions  IN SENATE March 26, 2025 ___________ Introduced by Sen. BAILEY -- read twice and ordered printed, and when printed to be committed to the Committee on Insurance AN ACT to amend the insurance law, in relation to high deductible health plans and health savings accounts The People of the State of New York, represented in Senate and Assem- bly, do enact as follows: 1 Section 1. Subsection (e) of section 1124 of the insurance law, as 2 added by section 440 of the laws of 2012, is relettered subsection (f) 3 and a new subsection (e) is added to read as follows: 4 (e) With respect to high deductible health plans offered in conjunc- 5 tion with a health reimbursement account or a health savings account 6 authorized by this section, if application of any cost sharing require- 7 ments would result in health savings account ineligibility under section 8 two hundred twenty-three of the internal revenue code, such cost sharing 9 requirement shall apply for health savings account-qualified high deduc- 10 tible health plans with respect to the deductible of such a plan, only 11 after the enrollee has satisfied the minimum deductible under section 12 two hundred twenty-three of the internal revenue code, except with 13 respect to items or services that are considered preventive care pursu- 14 ant to subparagraph (C) of paragraph two of subsection c of section two 15 hundred twenty-three of the internal revenue code, in which case the 16 requirements of this subsection shall apply regardless of whether the 17 minimum deductible required under section two hundred twenty-three of 18 the internal revenue code has been satisfied. 19 § 2. This act shall take effect immediately; provided, however, that 20 the amendments to subsection (e) of section 1124 of the insurance law, 21 made by section one of this act, shall not affect the repeal of such 22 section and shall be deemed repealed therewith. EXPLANATION--Matter in italics (underscored) is new; matter in brackets [ ] is old law to be omitted. LBD07833-01-5
Text of S 6895 as introduced, from the official record. Connect Plus keeps every version and highlights what changed.Compare versions
Related New York billsSame author and issue area
More from Sen. Jamaal Bailey
S 338Requires certain civil court documents to be provided to parties in their native language; requires parties to demonstrate their understanding of the nature and effect of such documents.IntroducedS 4957Provides for review of bail data reports by the state commission on judicial conduct to study such reports for evidence of bias or prejudice by any judge or justice, and where appropriate based on such reports, to initiate, investigate, and hear complaints and otherwise comment on matters of bias and prejudice evidenced therein.Passed first houseS 4966Allows access to sealed records and certain confidential records by the New York city civilian complaint review board in furtherance of the board's duties and functions.Passed first house
More ISC bills
S 6749Provides for insurance coverage of comprehensive annual medical examinations for firefighters due to their increased risk for cancer and cancer-related diseases.IntroducedS 9275Requires Medicaid to cover gender-affirming care regardless of federal funding; prohibits discriminatory practices by health care entities including hospitals, certain professionals, and insurers; requires insurance coverage for services or treatments for gender dysphoria or gender incongruence.IntroducedA 3687Addresses non-covered dental services by requiring all policies providing coverage of and all contracts for dental services issued to include a disclosure stating that a participating provider may charge their normal fee for services that are not covered; requires a cost estimate to be provided.Passed first houseAll 203 New York ISC bills
GovBuddy Demo

See how GovBuddy fits your team.

Share a few details and our team will follow up with a focused walkthrough.