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Prohibits motor vehicle insurers from discrimination on the basis of socioeconomic factors in determining algorithms used to construct actuarial tables, coverage terms, premiums and/or rates.
In one paragraph
New York's A 1273 (2025-2026) would add Insurance Law section 2619 barring motor vehicle insurers from using classification plans, rules, rates or rating plans based in whole or in part on listed factors (age, marital status, sex, sexual orientation, education, occupation, income, credit information, real property ownership, price elasticity of demand and other socioeconomic indicators). It would also make it unlawful to use them to adjust "any algorithm or equation" used to construct actuarial tables. Referred to Insurance January 7, 2026; it has not passed either chamber.
Plain-English summary, written with AI assistance. The official text controls.
What it means for business
None yet: the bill is pending. If enacted, motor vehicle insurers could not use the listed factors in rates, rating plans or the algorithms behind actuarial tables.
Key provisions
- Would add Insurance Law section 2619; insurer plans or rates based in whole or in part on the listed factors would be "deemed to violate public policy" and subject to disapproval by the superintendent
- Listed factors: age, marital status, sex (including gender identity or expression), sexual orientation, education level, employment status or occupation, income, consumer credit information or score, ownership of real property, any indication of price elasticity of demand, and any other characteristic indicating socioeconomic status
- Unlawful to use these factors to adjust any algorithm or equation used to construct actuarial tables or otherwise determine the cost of coverage
- Also unlawful to use them to discriminate in premiums, rates or coverage terms, demand a greater premium than required from others in similar cases, or refuse to issue, renew or sell a policy
- Sponsor M. of A. Peoples-Stokes; the page lists no same-as bill; would take effect immediately
Latest legislative action
Jan 7, 2026. referred to insurance
Sponsors (showing 5 of 24)
| Name | Role |
|---|---|
| Anna Kelles D | Primary |
| CROUCH | Primary |
| Crystal Peoples-Stokes D | Primary |
| MAGNARELLI | Primary |
| SIMON | Primary |
Topics and industries
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Affected industries
This page is general information, not legal advice. Summaries are AI-assisted and may contain errors; read the statute for the controlling text and talk to a lawyer about your situation. Full disclaimer · Report an error