---
type: "Bill"
title: "Relates to the use of virtual credit cards by insurers and certain health care plans"
description: "Authorizes an insurer to pay a claim for reimbursement made by a provider using a credit card, virtual credit card or electronic funds transfer payment method that imposes on the provider a free or similar charge to process the payment; defines \"virtual credit card\" as a single-use series of numbers linked to a fixed dollar amount and provided by an insurer to a provider for the purpose of paying a claim for health care services performed by the provider; makes related provisions."
jurisdiction: "us/states/ny"
legislature: "New York Legislature"
session: "2025-2026"
identifier: "A 3986"
citation: "New York A 3986 (2025-2026)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Alex Bores"]
version_count: 2
action_count: 17
vote_count: 2
first_action: "2025-01-30"
last_action: "2025-12-19"
source: "openstates"
source_identifier: "ocd-bill/51770888-8f17-4516-9af8-5572e6a8378d"
source_url: "http://www.nysenate.gov/legislation/bills/2025/A3986"
source_hash: "5f9380b8ea5530cfde7263febeb20cc4fd54809844ad59a9fe137a077101e22a"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ny"]
---

# New York A 3986 (2025-2026) — Relates to the use of virtual credit cards by insurers and certain health care plans

Authorizes an insurer to pay a claim for reimbursement made by a provider using a credit card, virtual credit card or electronic funds transfer payment method that imposes on the provider a free or similar charge to process the payment; defines "virtual credit card" as a single-use series of numbers linked to a fixed dollar amount and provided by an insurer to a provider for the purpose of paying a claim for health care services performed by the provider; makes related provisions.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **A3986** (committee substitute) — [source](http://assembly.state.ny.us/leg/?sh=printbill&bn=A3986&term=2025&Text=Y)
2. **A3986A** (committee substitute) — [source](http://legislation.nysenate.gov/pdf/bills/2025/A3986A)

## Votes

- Assembly Vote — **145–0** (pass) · lower
- Floor Vote - Version: A — **59–0** (pass) · upper

## Sponsors

- Alex Bores — primary (person)
- David Weprin — cosponsor (person)
- Harvey Epstein — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2025-01-30** REFERRED TO INSURANCE `referral-committee`
- **2025-05-16** AMEND AND RECOMMIT TO INSURANCE `amendment-passage, referral-committee`
- **2025-05-16** PRINT NUMBER 3986A `amendment-passage`
- **2025-05-20** REPORTED REFERRED TO RULES `referral-committee`
- **2025-05-27** REPORTED
- **2025-05-27** RULES REPORT CAL.263
- **2025-05-27** ORDERED TO THIRD READING RULES CAL.263
- **2025-05-27** PASSED ASSEMBLY `passage`
- **2025-05-27** DELIVERED TO SENATE
- **2025-05-27** REFERRED TO INSURANCE `referral-committee`
- **2025-06-11** SUBSTITUTED FOR S2105A
- **2025-06-11** 3RD READING CAL.1801
- **2025-06-11** PASSED SENATE `passage`
- **2025-06-11** RETURNED TO ASSEMBLY
- **2025-12-08** DELIVERED TO GOVERNOR `executive-receipt`
- **2025-12-19** SIGNED CHAP.647 `executive-signature`
- **2025-12-19** APPROVAL MEMO.31

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/51770888-8f17-4516-9af8-5572e6a8378d`. Confidence: reported (aggregated from official New York legislature records).