A 6484 New York Assembly · 2025 Regular Session

Relates to copayment and coinsurance charged for physical and occupational therapy services

Summary

Provides that any copayment or coinsurance amount charged by an insurer to the insured for services rendered by a physical therapist or an occupational therapist shall not be more than twenty-five percent greater than the copayment or coinsurance amount imposed for an office visit to a licensed primary care physician or osteopath for the same or a similar diagnosed condition.

Issues: ✓ Healthcare

Bill status passed both 4 of 5 stages cleared

Introduction

Mar 2025

Committee Review

Mar 2026

Assembly Passage

Mar 2026

Senate Passage

May 2026

Governor

Introduced Mar 5, 2025 Last action May 29, 2026

Maddy AI version diff · 1 comparison

What changed between versions

A6484 → A6484A · 3 edits

MINOR

The bill was amended to expand its title to include occupational therapy services alongside physical therapy. The most significant policy change is the replacement of a strict prohibition on higher copayments for therapy services with a new cap allowing copayments to be up to 25% higher than those for a primary care physician visit. Additionally, the effective date of the law was moved from a standard 180-day period to a specific date of January 1, 2027.

Scope change

The scope was expanded to explicitly cover occupational therapy services in the bill title and text, whereas the original version focused primarily on physical therapy.

REQUIREMENT

Changed the copayment rule from a flat ban on higher charges to a limit allowing copayments for therapy services to be up to 25% higher than the copayment for a primary care physician visit.

SCOPE

Added 'occupational therapy services' to the bill title and throughout the text to ensure these services are covered under the same copayment restrictions as physical therapy.

TIMELINE

Updated the effective date from 'one hundred eightieth day after it shall have become a law' to a fixed date of 'January 1, 2027'.

Floor votes · Senate May 29, 2026 · Assembly Mar 25, 2026

How they voted

58–0

Passed · 5 other

Total votes 63

May 29, 2026

D Democratic41

36 Yea 5

87% 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

May 29, 2026

Upper · Passed

PASSED SENATE

upper

Mar 25, 2026

Committee

REFERRED TO INSURANCE

upper

Mar 25, 2026

Lower · Passed

PASSED ASSEMBLY

lower

May 20, 2025

Committee

REPORTED REFERRED TO RULES

lower

May 5, 2025

Lower · Passed

PRINT NUMBER 6484A

lower

May 5, 2025

Lower · Passed

AMEND (T) AND RECOMMIT TO INSURANCE

lower

Mar 5, 2025

Committee

REFERRED TO INSURANCE

lower

1 primary · 9 co-sponsors