NY A08839

Requires all insurers providing mental health or substance use disorder coverage to comply with the federal Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008 and prohibits discrimination in plan design based on an individual's history, present condition, or predicted mental health or substance use disorder

Mandates that insurers provide "meaningful benefits" for mental health and substance use disorders in every benefit classification where medical or surgical benefits are offered, including coverage for "core treatments" (standard treatments indicated by generally accepted standards of care)

Prohibits insurers from using discriminatory or biased factors when designing nonquantitative treatment limitations for mental health benefits, and requires that such limitations not be more restrictive than those applied to medical and surgical benefits

Requires insurers to submit annual compliance reports starting January 1, 2026, post them on a public website, and provide nonquantitative treatment limitation parity analyses free of charge within 30 days upon request from providers, enrollees, or employers

Imposes a $100 per day penalty on insurers who fail to provide requested compliance analyses, and automatically reverses adverse benefit determinations if insurers fail to provide required analyses when requested in connection with such determinations