INS CD-COST SHARING RESTRICT
Summary
Amends the Illinois Insurance Code. In a provision requiring policies of group accident and health insurance to provide coverage for certain examination and testing services provided to a victim of specified criminal offenses, prohibits the policy from imposing a deductible, coinsurance, copayment, or any other cost-sharing requirement on the coverage provided, except to the extent that the coverage would disqualify a high-deductible health plan from eligibility for a health savings account under the Internal Revenue Code. Effective January 1, 2026.
Bill status
passed
3 of 5 stages cleared
Introduction
Apr 2025
Committee Review
Jun 2025
House Passage
Apr 2025
Senate Passage
Governor
Introduced Apr 9, 2025
Last action Mar 16, 2026
Maddy AI version diff · 1 comparison
What changed between versions
Introduced
→
Engrossed
·
2 edits
·
Apr 8, 2025
MINOR
The bill text was updated from its original introduction to its final engrossed version, incorporating new language that expands the definition of 'employees' to include officers, managers, and staff of affiliated corporations and firms. This change broadens the scope of who can be covered under group accident and health policies to ensure consistency with related insurance provisions.
Scope change
The bill's scope was expanded to include officers, managers, and employees of subsidiary or affiliated corporations and firms, in addition to the original definition of employees.
DEFINITION
Added a new definition for 'employees' to explicitly include officers, managers, and employees of affiliated corporations, firms, and individuals when controlled by a common employer.
REQUIREMENT
Added new text requiring group accident and health policies to include specific provisions regarding the entire contract and representations made by employers or employees.
Floor votes · House Apr 8, 2025
How they voted
114–0
Passed · 4 other
Total votes 118
Apr 8, 2025
D
Democratic78
96% Yea
R
Republican40
97% Yea
Vote distribution
All Yea
All Nay
Mixed
No data
Full legislative history
Actions timeline
Total actions
34
Key actions
4
Committee
8
Jun 2, 2025
Committee
Rule 3-9(a) / Re-referred to Assignments
upper
May 23, 2025
Upper · Passed
Rule 2-10 Committee Deadline Established As June 1, 2025
upper
May 9, 2025
Upper · Passed
Rule 2-10 Committee Deadline Established As May 23, 2025
upper
Apr 23, 2025
Committee
Assigned to Insurance
upper
Apr 10, 2025
Committee
Referred to Assignments
upper
Apr 9, 2025
Introduced
Arrive in Senate
upper
Apr 8, 2025
Lower · Passed
Third Reading - Short Debate - Passed 114-000-000
lower
Mar 11, 2025
Lower · Passed
Do Pass / Short Debate Insurance Committee; 016-000-000
lower
Mar 4, 2025
Committee
Assigned to Insurance Committee
lower
Feb 6, 2025
Committee
Referred to Rules Committee
lower
2 primary · 15 co-sponsors
Sponsors
Role
Legislator
Party
State
District
P
John Curran
RRepublican
P
Tony McCombie
RRepublican
Co
Camille Lilly
DDemocratic
Co
Chris Welch
DDemocratic
Co
Dan Didech
DDemocratic
Co
Jackie Haas
RRepublican
Co
Jeff Keicher
RRepublican
Co
Joyce Mason
DDemocratic
Co
Kelly Cassidy
DDemocratic
Co
Mary Gill
DDemocratic
Co
Michelle Mussman
DDemocratic
Co
Nicole La Ha
RRepublican
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