SB3815 - 104th General Assembly (2025-2026)

INS-PAST DUE PREMIUMS
Last Action
4/27/2026 - House: Assigned to Insurance Committee
Hearings
Insurance Committee Hearing May 5 2026 2:00PM Stratton Building Room C-1 Springfield, IL
Statutes Amended In Order of Appearance
215 ILCS 97/5  
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
DateChamberAction
2/06/2026SenateFiled with Secretary by Sen. Laura Ellman
2/06/2026SenateFirst Reading
2/06/2026SenateReferred to Assignments
2/24/2026SenateAssigned to Insurance
2/27/2026SenateAdded as Chief Co-Sponsor Sen. Cristina Castro
3/04/2026SenateDo Pass Insurance; 009-000-000
3/04/2026SenatePlaced on Calendar Order of 2nd Reading March 5, 2026
3/05/2026SenateSecond Reading
3/05/2026SenatePlaced on Calendar Order of 3rd Reading March 10, 2026
4/09/2026SenateSenate Floor Amendment No. 1 Filed with Secretary by Sen. Laura Ellman
4/09/2026SenateSenate Floor Amendment No. 1 Referred to Assignments
4/14/2026SenateSenate Floor Amendment No. 1 Assignments Refers to Insurance
4/14/2026SenateSenate Floor Amendment No. 1 Recommend Do Adopt Insurance; 011-000-000
4/15/2026SenateRecalled to Second Reading
4/15/2026SenateSenate Floor Amendment No. 1 Adopted; Ellman
4/15/2026SenatePlaced on Calendar Order of 3rd Reading
4/15/2026SenateThird Reading - Passed; 053-000-000
4/15/2026SenateAdded as Co-Sponsor Sen. Mary Edly-Allen
4/15/2026HouseArrived in House
4/17/2026HouseChief House Sponsor Rep. Martha Deuter
4/17/2026HouseFirst Reading
4/17/2026HouseReferred to Rules Committee
4/27/2026HouseAssigned to Insurance Committee