A 10443 New York Assembly · 2025 Regular Session

Clarifies who may sue an insurer for violations related to misrepresentations, misleading statements and incomplete comparisons

Summary

Clarifies that residents of the state and any policyholder, contract holder, certificate holder, or beneficiary of a policy, contract, or certificate of life, accident and health insurance may sue an insurer for violations related to misrepresentations, misleading statements and incomplete comparisons.

Issues: ✓ Healthcare

Bill status passed both 4 of 5 stages cleared

Introduction

Mar 2026

Committee Review

May 2026

Assembly Passage

May 2026

Senate Passage

Jun 2026

Governor

Introduced Mar 6, 2026 Last action Jun 3, 2026

Maddy AI version diff · 1 comparison

What changed between versions

A10443 → A10443A · 3 edits

MINOR

This bill amends the New York Insurance Law to clarify that specific penalties for misrepresentations and incomplete comparisons apply to policies issued or delivered within the state. It also updates the bill's procedural status to reflect it has been reported from committee and advanced to a third reading.

Scope change

The bill's substantive scope regarding insurance regulations remains focused on Section 4226, but the text now explicitly clarifies the application of subsection (d) penalties to in-state policies, removing previous ambiguity about jurisdiction.

SCOPE

The bill text was updated to explicitly state that the amendment clarifies the application of subsection (d) penalties to policies purchased and delivered in New York.

TECHNICAL

The bill's header was updated to include additional sponsors (McDonald, Cook) and reflect its current legislative progress, including being reported from committee and advanced to a third reading.

The bill number was updated from A10443 to A10443-A to reflect its amended status.

Floor votes · Senate Jun 3, 2026 · Assembly May 14, 2026

How they voted

61–0

Passed · 2 other

Total votes 63

Jun 3, 2026

D Democratic41

39 Yea 2

95% Yea

R Republican22

22 Yea

100% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

Jun 3, 2026

Upper · Passed

PASSED SENATE

upper

May 14, 2026

Committee

REFERRED TO INSURANCE

upper

May 14, 2026

Lower · Passed

PASSED ASSEMBLY

lower

May 11, 2026

Lower · Passed

AMENDED ON THIRD READING (T) 10443A

lower

Apr 29, 2026

Committee

REPORTED REFERRED TO CODES

lower

Mar 6, 2026

Committee

REFERRED TO INSURANCE

lower

1 primary · 3 co-sponsors