Requires Medicaid to cover gender-affirming care regardless of federal funding; prohibits discriminatory practices by health care entities and insurers; relates to coverage for treatment for gender dysphoria

This bill requires New York Medicaid to cover all medically necessary gender-affirming care, regardless of federal funding availability. It prohibits healthcare entities (including hospitals, licensed professionals, and insurers) from discriminating against patients based on gender identity, sexual orientation, or other protected characteristics. Insurers must cover treatment for gender dysphoria without excluding it based on transgender status, and cannot apply annual deductibles or coinsurance for this care - except in high-deductible health plans. The law also mandates that insurers provide appeal rights for denied coverage related to gender dysphoria treatment.