Provides for insurance coverage for electrolysis procedures when deemed medically necessary

This bill requires most health insurance plans in New York to cover medically necessary electrolysis procedures to stop hair growth, including for gender-affirming care. It applies to all individual and group health insurance policies, including major medical and comprehensive plans, mandating coverage without specific exclusions for gender-affirming treatment. Insurers may still apply standard deductibles and co-insurance, but must provide this coverage as part of their medical benefits. The law takes effect 90 days after enactment for new or renewed policies.