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NY A03993: Prohibits discrimination through the use of clinical algorithms; provides exceptions for clinical algorithms that rely on variables to appropriately …

In Committee New York

Last verified Oct 12, 2026 · official bill text

A03993 · where it stands

1 of 5 steps complete
  1. Introduced In committee
  2. Passed first chamber
  3. Passed both chambers
  4. Enacted
  5. Effective
What do these statuses mean?
Introduced
Filed in the legislature; may be waiting for a committee hearing.
Passed a chamber
Approved by one or both chambers; awaiting further action.
Enacted
Signed into law, or became law without a signature or over a veto.
Effective date
The date the law says it takes effect. Once it has passed, the page shows "Effective" and the date. A court order can still block a law; if we know of one, the summary says so.
Dead / vetoed
Vetoed, failed, or the session ended without action.
View full title

Prohibits discrimination through the use of clinical algorithms; provides exceptions for clinical algorithms that rely on variables to appropriately make decisions, including to identify, evaluate, and address health disparities.

In one paragraph

New York's A 3993 would add Insurance Law § 3243-a providing that an insurer subject to the article shall not discriminate on the basis of race, color, national origin, sex, age or disability through the use of clinical algorithms in its decision-making, while permitting clinical algorithms that rely on variables to appropriately make decisions, including to identify, evaluate and address health disparities. Would take effect immediately. Referred to Insurance January 30, 2025 and 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, insurers using clinical algorithms in decisions could not discriminate on race, color, national origin, sex, age or disability, subject to the health-disparities exception.

Key provisions

  1. Adds Insurance Law § 3243-a, "Discrimination through use of clinical algorithms"
  2. An insurer "shall not discriminate on the basis of race, color, national origin, sex, age, or disability through the use of clinical algorithms in its decision-making"
  3. Exception: clinical algorithms that rely on variables to appropriately make decisions, including to identify, evaluate, and address health disparities
  4. The text defines no terms and sets no penalty, enforcement mechanism or private right of action
  5. Would take effect immediately; referred to Insurance January 30, 2025 and January 7, 2026

Latest legislative action

Jan 7, 2026. referred to insurance

Sponsors (showing 5 of 15)

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Topics and industries

Related topics

AI HealthcareAI in InsuranceAutomated Decision-Making

Affected industries

HealthcareFinance

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

Related AI laws in New York

All New York bills →
A03991 Establishes requirements for the use of artificial intelligence, algorithm, or o A08556 Prescribes requirements and safeguards for the use of an artificial intelligence S04082 Prohibits motor vehicle insurers from discrimination on the basis of socioeconom S05486 Requires certain disclosures by automobile insurers relating to the use of telem S07896 Prescribes requirements and safeguards for the use of an artificial intelligence A11048 Relates to the use of artificial intelligence by insurers and clinical peer revi

Same topic in other states

Nebraska LB77 Adopt the Ensuring Transparency in Prior Authorization Act and provide for insur Maryland HB820 Health Insurance - Utilization Review - Use of Artificial Intelligence Illinois SB3114 TRANSPARENCY IN DOWNCODING ACT Washington SB5395 Making improvements to transparency and accountability in the prior authorizatio Minnesota HF4188 Commerce policy bill (Laws 2026, chapter 124), including article 3, section 6 ba Alabama SB 63 Health care plans; to regulate the use of artificial intelligence in determinati