Healthcare (Insurance)

Amends the Illinois Income Tax Act. Creates a deduction in an amount equal to the amount paid by the taxpayer during the taxable year as monthly premiums for a health insurance plan bought through the Affordable Care Act (ACA) Marketplace, plus an amount equal to the qualified out-of-pocket medical expenses paid by the taxpayer during the taxable year.

Amends the Public Safety Employee Benefits Act. Provides that, if the injured employee subsequently dies, the employer shall continue to pay the entire health insurance premium for the surviving spouse (rather than the surviving spouse until remarried) and for the dependent children under specified conditions.

Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that a facility or health care professional that offers telehealth services shall not bill or charge a person, group or individual policy of accident and health insurance, or managed care plan for any services or care not rendered during a telehealth visit, including, but not limited to, exams that are not possible to perform on a patient at a remote location. Provides that a violation of the provision is an unlawful practice within the meaning of the Act.

Amends the Hospital Licensing Act and the University of Illinois Hospital Act. Provides that, unless otherwise required by Illinois law, no hospital, individual affiliated with a hospital, or person contracted with a hospital shall release information related to any person or entity that allows a child to receive gender-affirming health care or gender-affirming mental health care in response to any criminal or civil action, including a foreign subpoena, based on another state's law that authorizes a civil action to be brought against any person or entity that allows a child to receive gender-affirming health care or gender-affirming mental health care. Amends the Illinois Insurance Code, 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 prohibit the same release of information from an issuer of a policy of accident or health insurance.

Amends the Illinois Insurance Code. Provides that, for policies of accident and health insurance amended, delivered, issued, or renewed on or after January 1, 2027, coverage for pregnancy and postpartum care shall include medically necessary blood pressure monitors for pregnant or postpartum insured persons or beneficiaries. Effective immediately.

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 on or after January 1, 2027 shall provide coverage for medically prescribed seizure detection devices. Requires all covered seizure detection devices to be approved for use by individuals, and for the choice of device to be made based upon the individual's circumstances and medical needs in consultation with the individual's medical provider. Sets forth provisions prohibiting prior authorization and cost-sharing, as specified. 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 the provisions of those Acts. Effective immediately.

Amends the Illinois Insurance Code. Prohibits an insurer, dental service plan corporation, professional service corporation, insurance network leasing company, or any other company or its contracted vendor that amends, delivers, issues, or renews an individual or group policy of accident and health insurance on or after the effective date of the amendatory Act from requiring a dental care provider to only accept payment from a credit card or electronic funds transfer, in addition to the existing prohibition on incurred fees to access and obtain payment or reimbursement for services provided. Provides that any insurer, dental service plan corporation, professional service corporation, insurance network leasing company, or any other company or its contracted vendor that amends, delivers, issues, or renews an individual or group policy of accident and health insurance may initiate or change payment methodology to a dental care provider using electronic funds transfer payments, including virtual credit card payments, if the specified conditions are met. Sets forth provisions concerning claim payment methodologies and fees for transmitting payments. Provides that the specified dental coverage reimbursement provisions shall not be waived by contract. Effective January 1, 2027.

Amends the Public Employee Disability Act. Provides that, for purposes of provisions in the Act concerning disability benefits, "eligible employee" includes any part-time or full-time county correctional officer or any other full-time or part-time employee of a county sheriff. Provides that, when an eligible employee suffers an injury in the line of duty that causes the employee to be unable to perform the employee's duties, the employing public entity shall continue to provide health insurance benefits on the same terms and conditions as were in effect immediately prior to the injury.

Amends the Illinois Insurance Code. Provides that a group health plan or an accident and health insurer offering group or individual health insurance coverage shall not discriminate with respect to participation under the plan or coverage against any health care provider who is acting within the scope of that provider's license or certification under applicable State law. Provides that nothing in the provisions shall be construed as preventing a group health plan, an accident and health insurer, or the Director of Insurance from establishing varying reimbursement rates based on quality or performance measures.

SR 584 is a non-binding Illinois Senate resolution calling on Congress to reinstate federal healthcare subsidies that expired under the previous administration. It states these subsidies kept health insurance affordable for Illinois residents using marketplaces like "Get Covered Illinois," with claims that their expiration would cause premiums to double and deductibles to rise significantly for many, potentially affecting up to 140,000 people. The resolution specifically highlights disproportionate impacts on rural areas, citing higher annual costs in certain congressional districts. As a symbolic resolution, it does not create law but urges federal action to address rising healthcare costs.