Limits co-payments for physical and occupational therapy services.

New York Assembly Bill A07472, introduced on March 28, 2025, aims to make physical and occupational therapy services more affordable by limiting co-payments. Specifically, the bill proposes that health insurance policies cannot impose co-payments exceeding 20% of the total reimbursement to the provider for these services. This change would apply to various insurance policies, including group accident, group health, and group accident and health insurance. The bill was referred to the Assembly Insurance Committee on January 7, 2026, and is currently pending. ([legiscan.com](https://legiscan.com/NY/bill/A07472/2025?utm_source=openai))

The bill has garnered support for its potential to enhance access to necessary rehabilitation services by reducing out-of-pocket expenses for patients. Advocates argue that capping co-payments at 20% aligns with the goal of making therapy services more accessible and affordable. ([nyassembly.gov](https://nyassembly.gov/leg/?Actions=Y&Memo=Y&Text=Y&bn=A07472&utm_source=openai))

Some concerns have been raised regarding the potential impact on insurance premiums. Critics worry that limiting co-payments could lead insurers to adjust their pricing structures, possibly resulting in higher premiums for policyholders. Additionally, there are calls for oversight by the Department of Financial Services to ensure that the implementation of this bill does not adversely affect the overall affordability of health insurance plans. ([citizenportal.ai](https://citizenportal.ai/articles/7723343/new-york/2026-legislature-ny/New-York/2026-Legislature-NY/Assembly-limits-copayments-for-physical-and-occupational-therapy-in-insurance-plans?utm_source=openai))