Healthcare (Insurance)

in committee · Illinois · Senate Mar 21, 2025

SB 1471: INS-HEALTH CARE/AMBULANCE

Amends the Illinois Insurance Code. Provides that nothing in the provisions shall require an ambulance provider to bill a beneficiary, insured, enrollee, or health insurance issuer when prohibited by any other law, rule, ordinance, contract, or agreement. Limits home rule powers. Changes the definition of "emergency services" and "health care provider". Amends the Health Maintenance Organization Act. Removes language providing that upon reasonable demand by a provider of emergency transportation by ambulance, a health maintenance organization shall promptly pay to the provider, subject to coverage limitations stated in the contract or evidence of coverage, the charges for emergency transportation by ambulance provided to an enrollee in a health care plan arranged for by the health maintenance organization.

Topics ✓ HealthcareSupports HealthcarePrevents ambulance billing when prohibited by law, protecting patients from unexpected charges under insurance rules, aligning with patient rights protection.85% confidence

Sub-Topics Insurance

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passed · Illinois · House Mar 16, 2026

HB 2805: INS CD-COST SHARING RESTRICT

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.

Topics ✓ Criminal JusticeSupports Criminal JusticeRemoves cost barriers for crime victims accessing medical services, enhancing victim support in criminal justice system per bill's prohibition of deductibles/copays for victim care.95% confidence ✓ HealthcareSupports HealthcareProhibits cost-sharing (deductibles/copays) for victim medical services, expanding access without out-of-pocket costs for covered services.95% confidence

Sub-Topics Insurance

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in committee · Illinois · House Mar 21, 2025

HB 3737: INC TX-HEALTH INSURANCE

Amends the Illinois Income Tax Act. Creates an income tax deduction for premiums paid by the taxpayer during the taxable year under an individual health insurance plan covering the taxpayer or the taxpayer's dependents.

Topics ✓ Budget & TaxesSupports Budget & TaxesCreates income tax deduction for health insurance premiums, reducing taxable income and providing tax relief for individuals, aligning with tax relief indicators for middle/lower income.95% confidence ✓ HealthcareSupports HealthcareCreates tax deduction for health insurance premiums, reducing costs and improving access to coverage for individuals and dependents.85% confidence

Sub-Topics Insurance

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in committee · Illinois · House Apr 11, 2025

HB 3721: INS OUT-OF-NETWORK EMERGENCY

Amends the Illinois Insurance Code. Provides that any group or individual policy of accident and health insurance or managed care plan amended, delivered, issued, or renewed on or after January 1, 2027 shall provide coverage for emergency medical services delivered by an out-of-network provider on the same terms as coverage that would be provided for an in-network provider. Provides that this requirement does not apply if the services rendered are not covered for in-network providers. Amends the State Employees Group Insurance Act of 1971, the Counties Code, the Illinois Municipal Code, the School Code, the Health Maintenance Organization Act, the Limited Health Service Organization Act, the Voluntary Health Services Plans Act, and the Illinois Public Aid Code to require coverage under those provisions.

Topics ✓ HealthcareSupports HealthcareMandates equal insurance coverage for out-of-network emergency services, preventing surprise billing and expanding patient access to care.90% confidence

Sub-Topics Insurance

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in committee · Illinois · House Apr 17, 2026

HB 3607: INS CD-LIMIT COST SHARING

Amends the Illinois Insurance Code. Provides that a group or individual policy of accident or health insurance that is issued, amended, delivered, or renewed on or after January 1, 2027 shall not charge insured persons a copayment as a method of cost-sharing or include a deductible greater than $1,000. Provides that yearly out-of-pocket expenses for insured persons must be less than or equal to $1,500. Amends the State Employees Group Insurance Act of 1971, the Counties Code, the Illinois Municipal Code, the School Code, the Health Maintenance Organization Act, the Limited Health Service Organization Act, the Voluntary Health Services Plans Act, and the Illinois Public Aid Code to require coverage under those provisions.

Topics ✓ HealthcareSupports HealthcareCaps deductibles at $1,000 and out-of-pocket costs at $1,500 annually, reducing patient financial burden and improving healthcare access under Illinois Insurance Code.95% confidence

Sub-Topics Insurance

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in committee · Illinois · Senate Apr 15, 2026

SB 1259: INS CD-FERTILITY PRESERVATION

Amends the Illinois Insurance Code. Requires an individual or group policy of accident and health insurance amended, delivered, issued, or renewed in the State after June 1, 2026 to provide coverage for expenses for standard fertility preservation services and follow-up services related to that coverage. Defines "standard fertility preservation services" as procedures based upon current evidence-based standards of care established by the American Society for Reproductive Medicine, the American Society of Clinical Oncology, or other national medical associations that follow current evidence-based standards of care. Makes conforming changes in the State Employees Group Insurance Act of 1971, the Counties Code, the Illinois Municipal Code, the School Code, the Health Maintenance Organization Act, the Limited Health Service Organization Act, and the Illinois Public Aid Code. Effective immediately.

Topics ✓ HealthcareSupports HealthcareMandates insurance coverage for fertility preservation services, expanding patient access to reproductive healthcare under Illinois Insurance Code.95% confidence

Sub-Topics Insurance

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signed · Illinois · Senate Aug 15, 2025

SB 1418: INS CD-PERIPHERAL ARTERY TEST

Amends the Illinois Insurance Code. Provides that a group or individual plan of accident and health insurance or managed care plan amended, delivered, issued, or renewed after January 1, 2026 must provide coverage, no less than once every 12 months, for a peripheral artery disease screening test for any at-risk individual. Amends the State Employees Group Insurance Act of 1971, the Counties Code, the Illinois Municipal Code, the School Code, the Health Maintenance Organization Act, the Limited Health Service Organization Act, the Voluntary Health Services Plans Act, and the Illinois Public Aid Code to require coverage under those provisions.

Topics ✓ HealthcareSupports HealthcareMandates annual peripheral artery disease screening coverage for at-risk individuals in health plans, expanding preventive care access under Illinois Insurance Code.95% confidence

Sub-Topics Insurance

in committee · Illinois · Senate Apr 24, 2025

SB 1603: INS-BEHAVIORAL HEALTH

Amends the Illinois Insurance Code. Provides that a group or individual policy of accident and health insurance or a managed care plan that is amended, delivered, issued, or renewed on or after January 1, 2026, shall not impose any prior authorization or utilization management controls on covered behavioral health services. Makes conforming changes to the State Employees Group Insurance Act of 1971, the Illinois Municipal Code, the School Code, the Health Maintenance Organization Act, and the Medical Assistance Article of the Illinois Public Aid Code. Requires the Department of Insurance and the Department of Healthcare and Family Services to establish a process for receiving complaints from providers and covered individuals for violations of the mandate. Grants the Department of Insurance and the Department of Healthcare and Family Services the authority to issue cease and desist orders and administrative fines. Amends the Prior Authorization Reform Act. Provides that the Department of Healthcare and Family Services shall adopt rules consistent with the Act. Provisions amending the Prior Authorization Reform Act are effective immediately.

Topics ✓ EducationSupports EducationRemoves prior authorization barriers for school-based behavioral health services under School Code, enhancing student mental health access and support85% confidence ✓ HealthcareSupports HealthcareProhibits prior authorization for behavioral health services in insurance policies, improving patient access to mental health coverage per Illinois Insurance Code amendment.95% confidence

Sub-Topics Insurance Mental Health

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in committee · Illinois · Senate Oct 28, 2025

SB 2724: INS-DECEPTIVE PRACTICES

Amends the Illinois Insurance Code. Provides that, unless certain conditions are met, it is an unfair method of competition and an unfair and deceptive act or practice in the business of insurance to solicit an individual who is over the age of 65, as described in provisions concerning an individual who has executed a health care power of attorney or has a medical condition, such as dementia, that reduces the person's capacity to make informed decisions independently, (instead of to solicit an individual who is over the age of 65) to purchase accident or health insurance. Effective January 1, 2026.

Topics ✓ HealthcareSupports HealthcarePrevents deceptive insurance solicitation targeting seniors with health conditions, protecting patient rights per Illinois Insurance Code amendment.95% confidence

Sub-Topics Insurance

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passed · Illinois · House Jun 1, 2026

HB 3605: INS-GENETIC TESTING & SCREEN

Amends the Illinois Insurance Code. Makes changes to defined terms. Provides that a group policy of accident and health insurance or managed care plan that is amended, delivered, issued, or renewed after January 1, 2026 shall provide coverage for evidence-based cancer imaging for individuals with an increased risk of cancer as recommended by the current National Comprehensive Cancer Network clinical practice guidelines. Provides that this coverage shall be provided without cost-sharing, and the requirements of the Act shall not apply to the extent that providing coverage would disqualify a high-deductible health plan from eligibility for a health savings account.

Topics ✓ HealthcareSupports HealthcareMandates insurance coverage for cancer imaging without cost-sharing for high-risk patients per NCCN guidelines, expanding access and removing financial barriers.95% confidence

Sub-Topics Insurance

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