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SB3815 - 104th General Assembly
INS-PAST DUE PREMIUMS
Last Action
Senate Sponsors
Sen. Laura Ellman - Cristina Castro and Mary Edly-AllenHouse Sponsors
(Rep. Martha Deuter)Statutes Amended In Order of Appearance
215 ILCS 97/65 new
Synopsis As Introduced
Amends the Illinois Health Insurance Portability and Accountability Act. Defines "grandfathered health plan". Provides that, except for grandfathered health plans, a health insurance issuer in the individual, small group, or large group market shall not deny coverage to an individual or employer due to the individual's or employer's failure to pay premiums owed under a prior policy, certificate, or contract of insurance. Specifies that nothing in the provisions concerning past-due premiums prohibits a health insurance issuer from pursuing the collection of past-due premiums from an individual or employer by any other means permitted by law. Effective immediately.
Senate Floor Amendment No. 1
Replaces provisions concerning past-due premiums with provisions prohibiting a health insurance issuer in the individual, small group, or large group market from denying coverage to an individual or employer due to the individual's or employer's failure to pay a premium owed under a prior policy, certificate, or contract of health insurance coverage. Provides that, if a health insurance issuer terminates or cancels an individual or employer's coverage for nonpayment of premium in one plan or policy year and if the individual or employer enrolls in or purchases a new policy, certificate, or contract of health insurance coverage from the same issuer in a second plan or policy year, the issuer shall comply with provisions prohibiting the issuer from denying coverage if the individual or employer again enrolls in or purchases a new policy, certificate, or contract of health insurance coverage from the same issuer in a third plan or policy year unless the specified conditions are met. Sets forth applicability provisions. Makes other changes.
Actions
| Date | Chamber | Action |
|---|---|---|
| 2/06/2026 | Senate | Filed with Secretary by Sen. Laura Ellman |
| 2/06/2026 | Senate | First Reading |
| 2/06/2026 | Senate | Referred to Assignments |
| 2/24/2026 | Senate | Assigned to Insurance |
| 2/27/2026 | Senate | Added as Chief Co-Sponsor Sen. Cristina Castro |
| 3/04/2026 | Senate | Do Pass Insurance; 009-000-000 |
| 3/04/2026 | Senate | Placed on Calendar Order of 2nd Reading March 5, 2026 |
| 3/05/2026 | Senate | Second Reading |
| 3/05/2026 | Senate | Placed on Calendar Order of 3rd Reading March 10, 2026 |
| 4/09/2026 | Senate | Senate Floor Amendment No. 1 Filed with Secretary by Sen. Laura Ellman |
| 4/09/2026 | Senate | Senate Floor Amendment No. 1 Referred to Assignments |
| 4/14/2026 | Senate | Senate Floor Amendment No. 1 Assignments Refers to Insurance |
| 4/14/2026 | Senate | Senate Floor Amendment No. 1 Recommend Do Adopt Insurance; 011-000-000 |
| 4/15/2026 | Senate | Recalled to Second Reading |
| 4/15/2026 | Senate | Senate Floor Amendment No. 1 Adopted; Ellman |
| 4/15/2026 | Senate | Placed on Calendar Order of 3rd Reading |
| 4/15/2026 | Senate | Third Reading - Passed; 053-000-000 |
| 4/15/2026 | Senate | Added as Co-Sponsor Sen. Mary Edly-Allen |
| 4/15/2026 | House | Arrived in House |
| 4/17/2026 | House | Chief House Sponsor Rep. Martha Deuter |
| 4/17/2026 | House | First Reading |
| 4/17/2026 | House | Referred to Rules Committee |