HB1085 - 104th General Assembly (2025-2026)

INS CD-MENTAL HEALTH PARITY
Last Action
10/30/2025 - House: Passed Both Houses
House Sponsors
Rep. Lindsey LaPointe - Maurice A. West, II - Bob Morgan - Tracy Katz Muhl, Dagmara Avelar, Maura Hirschauer, Michelle Mussman, Terra Costa Howard, Anna Moeller, Theresa Mah, Kevin John Olickal, Lilian Jiménez, Jay Hoffman, Kelly M. Cassidy, Lisa Davis, Stephanie A. Kifowit, Katie Stuart, Yolonda Morris, Norma Hernandez, Sharon Chung, Michael J. Kelly, Laura Faver Dias, Mary Gill, Will Guzzardi, Nicolle Grasse, Anne Stava, Janet Yang Rohr, Michael Crawford, Robyn Gabel, Nabeela Syed, Barbara Hernandez, Martha Deuter, Abdelnasser Rashid, Mary Beth Canty, Hoan Huynh, Ryan Spain, Harry Benton, Ann M. Williams, La Shawn K. Ford, Brad Stephens, Nicole La Ha, John M. Cabello, Kevin Schmidt, Angelica Guerrero-Cuellar, Matt Hanson, Sonya M. Harper, Gregg Johnson, Suzanne M. Ness, Anthony DeLuca, Rick Ryan, Lawrence "Larry" Walsh, Jr., Emanuel "Chris" Welch, Robert "Bob" Rita, Dave Vella, Jaime M. Andrade, Jr., Carol Ammons, Joyce Mason, Jehan Gordon-Booth, Sue Scherer, Debbie Meyers-Martin, Camille Y. Lilly and Margaret A. DeLaRosa

Senate Sponsors
(Sen. Don Harmon - David Koehler - Laura Fine - Bill Cunningham - Graciela Guzmán, Cristina Castro, Lakesia Collins, Paul Faraci, Mike Porfirio, Suzy Glowiak Hilton, Robert Peters, Robert F. Martwick, Mike Simmons, Patrick J. Joyce, Mary Edly-Allen, Rachel Ventura, Mark L. Walker, Laura Ellman, Christopher Belt, Sara Feigenholtz, Mattie Hunter, Adriane Johnson, Laura M. Murphy, Meg Loughran Cappel, Ram Villivalam, Kimberly A. Lightford, Javier L. Cervantes and Karina Villa)
Statutes Amended In Order of Appearance
5 ILCS 375/6.11  
55 ILCS 5/5-1069.3  
65 ILCS 5/10-4-2.3  
105 ILCS 5/10-22.3f  
215 ILCS 5/370c.3 new  
215 ILCS 125/5-3  from Ch. 111 1/2, par. 1411.2
Synopsis As Introduced
Amends the Illinois Insurance Code. Establishes reimbursement rates for mental health and substance use disorder treatment services for all group or individual policies of accident and health insurance or managed care plans that are amended, delivered, issued, or renewed on or after January 1, 2027 or for any contracted third party administering the behavioral health benefits for the insurer. Requires a group or individual policy of accident and health insurance or managed care plan that is amended, delivered, issued, or renewed on or after January 1, 2026 or any contracted third party administering the behavioral health benefits for the insurer to cover certain medically necessary mental health and substance use disorder treatment services. Provides that, if the Department of Insurance determines that an insurer or a contracted third party administering the behavioral health benefits for the insurer has violated a provision concerning mental health and substance use parity, the Department shall by order assess a civil penalty of $1,000 for each violation. Excludes certain health care plans serving Medicaid populations who are enrolled under the Illinois Public Aid Code or under the Children's Health Insurance Program Act from provisions concerning mental health and substance use parity. Requires the Department to review the impact of the proposed mental health and substance abuse mandate on network adequacy for mental health and substance use disorder treatment and access to affordable mental health and substance use care. Permits the Department to examine out-of-network utilization and out-of-pocket costs for insureds for mental health and substance use treatment and services for all plans to compare with in-network utilization. Amends the State Employees Group Insurance Act of 1971, the Counties Code, the Illinois Municipal Code, and the School Code to require coverage under those provisions. Effective immediately.

House Committee Amendment No. 1
Deletes reference to:
5 ILCS 375/6.11  
Replaces everything after the enacting clause with the provisions of the introduced bill with the following changes: Removes provisions amending the State Employees Group Insurance Act of 1971. In provisions concerning mental health and substance abuse parity, removes provision limiting the applicability of parity requirements for mental health or substance use disorder services provided by a hospital when the hospital has a contract with the insurer that provides for reimbursement for such services based on achieving specified patient health outcomes and other quality measures and includes shared savings from lower health care costs. Makes conforming changes.

Senate Committee Amendment No. 1
Deletes reference to:
215 ILCS 125/5-3  
Replaces everything after the enacting clause with the provisions of the engrossed bill with the following changes. Replaces provisions concerning reimbursement for in-network mental health and substance use disorder treatment services. Provides that, consistent with the principles of the federal Mental Health Parity and Addiction Equity Act of 2008, and for the purposes of strengthening network adequacy for mental health and substance use disorder services and lowering out-of-network utilization, the Department of Human Services, by rule, shall determine a reimbursement rate floor for all in-network mental health and substance use disorder services, including inpatient services, outpatient services, office visits, and residential care, delivered by Illinois providers and facilities using the Illinois data in Research Triangle Institute International's study. Sets forth provisions concerning requirements for the reimbursement rate floor. Grants the Department of Insurance enforcement and monitoring authority over the reimbursement rate floor and requires the Department to publish the rate floor set by the Department of Human Services in Title 50 of the Illinois Administrative Code. Provides that, at the end of 2 years, 7 years, and 12 years (rather than 5 years, 10 years, and 15 years) following the implementation of provisions concerning the reimbursement rate floor, the Department of Insurance shall review the impact of provisions concerning mental health and substance use parity on network adequacy for mental health and substance use disorder treatment and access to affordable mental health and substance use care. Requires the Department to submit a report to the General Assembly by no later than December 31, 2030, December 31, 2035, and December 31, 2040 (rather than by December 31, 2033, December 31, 2038, and December 31, 2043) that includes its analyses and findings following the Department's review. Makes changes in provisions granting the Department of Insurance the authority to examine out-of-network utilization and out-of-pocket costs. Provides that the Department of Insurance and the Department of Human Services (rather than only the Department of Insurance) shall adopt any rules necessary to implement provisions concerning mental health and substance use parity by no later than May 1, 2026. Removes provisions amending the Health Maintenance Organization Act. Effective immediately.

Senate Floor Amendment No. 3
Deletes reference to:
215 ILCS 5/370c.3 new   
Adds reference to:
215 ILCS 5/370c.4 new  
Replaces everything after the enacting clause. Amends the Illinois Insurance Code. In provisions concerning mental health and substance use parity, makes changes to defined terms. Requires specified provider reimbursement rates to comply with the reimbursement floors for all in-network mental health and substance use disorder services. Establishes the reimbursement rate floor for each Healthcare Common Procedure Coding System (HCPCS) code, Current Procedural Terminology (CPT) code, Ambulatory Payment Classification (APC), Enhanced Ambulatory Patient Group (EAPG), Medicare Severity Diagnosis Related Group (MS-DRG), All Patient Refined Diagnosis Related Group (APR-DRG), and base payment rate with adjusters and applicable outliers for a mental health or substance use disorder service. Provides that a group or individual policy of accident and health insurance or managed care plan that is amended, delivered, issued, or renewed on or after January 1, 2027, or any contracted third party administering the behavioral health benefits for the insurer, shall cover all medically necessary mental health or substance use disorder services received by the same insured on the same day from the same or different mental health or substance use provider or facility for both outpatient and inpatient care. Sets forth provisions concerning additional coverage requirements; disclosure provisions; and provisions concerning the Department of Insurance's enforcement authority, reporting requirements, and rulemaking. Makes other changes. Amends the Counties Code, the Illinois Municipal Code, and the School Code to require coverage under the provisions of those Acts. Effective June 1, 2026.
Actions
DateChamberAction
1/02/2025HousePrefiled with Clerk by Rep. Lindsey LaPointe
1/09/2025HouseFirst Reading
1/09/2025HouseReferred to Rules Committee
1/29/2025HouseAdded Chief Co-Sponsor Rep. Maurice A. West, II
1/29/2025HouseAdded Chief Co-Sponsor Rep. Bob Morgan
1/29/2025HouseAdded Co-Sponsor Rep. Dagmara Avelar
1/29/2025HouseAdded Co-Sponsor Rep. Maura Hirschauer
1/29/2025HouseAdded Co-Sponsor Rep. Michelle Mussman
2/03/2025HouseAdded Co-Sponsor Rep. Terra Costa Howard
2/03/2025HouseAdded Co-Sponsor Rep. Anna Moeller
2/03/2025HouseAdded Co-Sponsor Rep. Theresa Mah
2/04/2025HouseAssigned to Mental Health & Addiction Committee
2/04/2025HouseAdded Co-Sponsor Rep. Kevin John Olickal
2/04/2025HouseAdded Co-Sponsor Rep. Lilian Jiménez
2/04/2025HouseAdded Co-Sponsor Rep. Jay Hoffman
2/06/2025HouseAdded Co-Sponsor Rep. Kelly M. Cassidy
2/06/2025HouseAdded Co-Sponsor Rep. Lisa Davis
2/06/2025HouseAdded Co-Sponsor Rep. Stephanie A. Kifowit
2/06/2025HouseAdded Co-Sponsor Rep. Katie Stuart
2/06/2025HouseAdded Co-Sponsor Rep. Yolonda Morris
2/06/2025HouseAdded Co-Sponsor Rep. Norma Hernandez
2/06/2025HouseAdded Co-Sponsor Rep. Sharon Chung
2/06/2025HouseAdded Co-Sponsor Rep. Michael J. Kelly
2/07/2025HouseAdded Co-Sponsor Rep. Laura Faver Dias
2/07/2025HouseAdded Co-Sponsor Rep. Mary Gill
2/10/2025HouseAdded Co-Sponsor Rep. Will Guzzardi
2/10/2025HouseAdded Co-Sponsor Rep. Nicolle Grasse
2/10/2025HouseAdded Co-Sponsor Rep. Anne Stava
2/11/2025HouseAdded Co-Sponsor Rep. Janet Yang Rohr
2/14/2025HouseAdded Co-Sponsor Rep. Michael Crawford
2/19/2025HouseAdded Co-Sponsor Rep. Robyn Gabel
2/20/2025HouseAdded Co-Sponsor Rep. Nabeela Syed
2/21/2025HouseAdded Co-Sponsor Rep. Barbara Hernandez
2/21/2025HouseAdded Co-Sponsor Rep. Martha Deuter
2/27/2025HouseAdded Co-Sponsor Rep. Abdelnasser Rashid
2/27/2025HouseAdded Co-Sponsor Rep. Mary Beth Canty
2/27/2025HouseAdded Co-Sponsor Rep. Hoan Huynh
2/27/2025HouseAdded Co-Sponsor Rep. Ryan Spain
2/28/2025HouseAdded Co-Sponsor Rep. Harry Benton
3/03/2025HouseAdded Co-Sponsor Rep. Ann M. Williams
3/03/2025HouseHouse Committee Amendment No. 1 Filed with Clerk by Rep. Lindsey LaPointe
3/03/2025HouseHouse Committee Amendment No. 1 Referred to Rules Committee
3/03/2025HouseAdded Co-Sponsor Rep. La Shawn K. Ford
3/04/2025HouseHouse Committee Amendment No. 1 Rules Refers to Mental Health & Addiction Committee
3/05/2025HouseAdded Co-Sponsor Rep. Brad Stephens
3/05/2025HouseAdded Co-Sponsor Rep. Nicole La Ha
3/05/2025HouseAdded Co-Sponsor Rep. John M. Cabello
3/06/2025HouseHouse Committee Amendment No. 1 Adopted in Mental Health & Addiction Committee; by Voice Vote
3/06/2025HouseDo Pass as Amended / Short Debate Mental Health & Addiction Committee; 017-005-000
3/06/2025HousePlaced on Calendar 2nd Reading - Short Debate
3/06/2025HouseAdded Co-Sponsor Rep. Kevin Schmidt
3/06/2025HouseAdded Co-Sponsor Rep. Angelica Guerrero-Cuellar
3/10/2025HouseAdded Co-Sponsor Rep. Matt Hanson
3/10/2025HouseAdded Co-Sponsor Rep. Sonya M. Harper
3/10/2025HouseAdded Co-Sponsor Rep. Gregg Johnson
3/10/2025HouseAdded Co-Sponsor Rep. Suzanne M. Ness
3/12/2025HouseAdded Co-Sponsor Rep. Anthony DeLuca
3/12/2025HouseAdded Co-Sponsor Rep. Rick Ryan
3/17/2025HouseAdded Co-Sponsor Rep. Lawrence "Larry" Walsh, Jr.
3/18/2025HouseSecond Reading - Short Debate
3/18/2025HousePlaced on Calendar Order of 3rd Reading - Short Debate
3/18/2025HouseAdded Co-Sponsor Rep. Emanuel "Chris" Welch
3/19/2025HouseAdded Co-Sponsor Rep. Robert "Bob" Rita
3/25/2025HouseAdded Co-Sponsor Rep. Dave Vella
3/28/2025HouseAdded Co-Sponsor Rep. Jaime M. Andrade, Jr.
4/02/2025HouseAdded Co-Sponsor Rep. Carol Ammons
4/07/2025HouseAdded Co-Sponsor Rep. Joyce Mason
4/07/2025HouseThird Reading - Short Debate - Passed 072-033-000
4/07/2025HouseAdded Co-Sponsor Rep. Tracy Katz Muhl
4/07/2025HouseRemoved Co-Sponsor Rep. Tracy Katz Muhl
4/08/2025SenateArrive in Senate
4/08/2025SenatePlaced on Calendar Order of First Reading
4/08/2025SenateChief Senate Sponsor Sen. Karina Villa
4/08/2025SenateFirst Reading
4/08/2025SenateReferred to Assignments
4/08/2025HouseAdded Co-Sponsor Rep. Jehan Gordon-Booth
4/10/2025HouseAdded Co-Sponsor Rep. Sue Scherer
4/10/2025SenateAdded as Alternate Chief Co-Sponsor Sen. David Koehler
4/10/2025SenateAdded as Alternate Chief Co-Sponsor Sen. Laura Fine
4/11/2025SenateAdded as Alternate Chief Co-Sponsor Sen. Bill Cunningham
4/14/2025SenateAdded as Alternate Co-Sponsor Sen. Cristina Castro
4/15/2025SenateAdded as Alternate Co-Sponsor Sen. Lakesia Collins
4/22/2025SenateAdded as Alternate Co-Sponsor Sen. Paul Faraci
4/28/2025SenateAdded as Alternate Co-Sponsor Sen. Mike Porfirio
4/29/2025SenateAdded as Alternate Co-Sponsor Sen. Suzy Glowiak Hilton
4/29/2025SenateAdded as Alternate Co-Sponsor Sen. Robert Peters
4/30/2025SenateAdded as Alternate Chief Co-Sponsor Sen. Graciela Guzmán
4/30/2025SenateAdded as Alternate Co-Sponsor Sen. Robert F. Martwick
4/30/2025SenateAdded as Alternate Co-Sponsor Sen. Mike Simmons
4/30/2025SenateAdded as Alternate Co-Sponsor Sen. Patrick J. Joyce
5/01/2025SenateAdded as Alternate Co-Sponsor Sen. Mary Edly-Allen
5/02/2025SenateAdded as Alternate Co-Sponsor Sen. Rachel Ventura
5/02/2025SenateAdded as Alternate Co-Sponsor Sen. Mark L. Walker
5/05/2025SenateAdded as Alternate Co-Sponsor Sen. Laura Ellman
5/06/2025SenateAdded as Alternate Co-Sponsor Sen. Christopher Belt
5/22/2025SenateAssigned to Executive
5/22/2025SenateRule 2-10 Committee Deadline Established As May 23, 2025
5/23/2025SenateRule 2-10 Committee Deadline Established As June 1, 2025
5/27/2025SenateAdded as Alternate Co-Sponsor Sen. Sara Feigenholtz
5/27/2025SenateSenate Committee Amendment No. 1 Filed with Secretary by Sen. Karina Villa
5/27/2025SenateSenate Committee Amendment No. 1 Referred to Assignments
5/28/2025SenateSenate Committee Amendment No. 1 Assignments Refers to Executive
5/28/2025SenateAdded as Alternate Co-Sponsor Sen. Mattie Hunter
5/28/2025SenateAdded as Alternate Co-Sponsor Sen. Adriane Johnson
5/28/2025SenateSenate Committee Amendment No. 1 Postponed - Executive
5/28/2025SenatePostponed - Executive
5/30/2025SenateSenate Committee Amendment No. 2 Filed with Secretary by Sen. Karina Villa
5/30/2025SenateSenate Committee Amendment No. 2 Referred to Assignments
5/30/2025SenateWaive Posting Notice
5/30/2025SenateRule 2-10 Third Reading/Passage Deadline Established As June 1, 2025
5/30/2025SenateSenate Committee Amendment No. 1 Adopted
5/30/2025SenateDo Pass as Amended Executive; 010-002-000
5/30/2025SenatePlaced on Calendar Order of 2nd Reading
5/30/2025SenateSecond Reading
5/30/2025SenatePlaced on Calendar Order of 3rd Reading May 31, 2025
6/02/2025SenateRule 3-9(a) / Re-referred to Assignments
7/10/2025SenateAdded as Alternate Co-Sponsor Sen. Laura M. Murphy
10/15/2025SenateAdded as Alternate Co-Sponsor Sen. Meg Loughran Cappel
10/15/2025SenateAdded as Alternate Co-Sponsor Sen. Ram Villivalam
10/16/2025SenateAdded as Alternate Co-Sponsor Sen. Kimberly A. Lightford
10/24/2025SenateAdded as Alternate Co-Sponsor Sen. Javier L. Cervantes
10/28/2025SenateApproved for Consideration Assignments
10/28/2025SenatePlaced on Calendar Order of 3rd Reading October 29, 2025
10/28/2025SenateSenate Floor Amendment No. 3 Filed with Secretary by Sen. Karina Villa
10/28/2025SenateSenate Floor Amendment No. 3 Referred to Assignments
10/28/2025SenateSenate Floor Amendment No. 3 Assignments Refers to Executive
10/29/2025SenateSenate Floor Amendment No. 3 Postponed - Executive
10/29/2025HouseAdded Co-Sponsor Rep. Debbie Meyers-Martin
10/30/2025SenateAlternate Chief Sponsor Changed to Sen. Don Harmon
10/30/2025SenateSenate Floor Amendment No. 3 Recommend Do Adopt Executive; 011-002-000
10/30/2025SenateRecalled to Second Reading
10/30/2025SenateSenate Committee Amendment No. 2 Tabled Pursuant to Rule 5-4(a)
10/30/2025SenateSenate Floor Amendment No. 3 Adopted; Villa
10/30/2025SenatePlaced on Calendar Order of 3rd Reading
10/30/2025SenateThird Reading - Passed; 048-010-000
10/30/2025HouseArrived in House
10/30/2025HousePlaced on Calendar Order of Concurrence Senate Amendment(s) 1, 3
10/30/2025HouseSenate Committee Amendment No. 1 Motion Filed Concur Rep. Lindsey LaPointe
10/30/2025HouseSenate Floor Amendment No. 3 Motion Filed Concur Rep. Lindsey LaPointe
10/30/2025HouseSenate Committee Amendment No. 1 Motion to Concur Referred to Rules Committee
10/30/2025HouseSenate Floor Amendment No. 3 Motion to Concur Referred to Rules Committee
10/30/2025HouseSenate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Rules Committee; 003-002-000
10/30/2025HouseSenate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Rules Committee; 003-002-000
10/30/2025HouseAdded Co-Sponsor Rep. Camille Y. Lilly
10/30/2025HouseSenate Committee Amendment No. 1 House Concurs 086-019-001
10/30/2025HouseSenate Floor Amendment No. 3 House Concurs 086-019-001
10/30/2025HouseHouse Concurs
10/30/2025HousePassed Both Houses
10/30/2025HouseAdded Chief Co-Sponsor Rep. Tracy Katz Muhl
10/30/2025HouseAdded Co-Sponsor Rep. Margaret A. DeLaRosa
10/31/2025SenateAdded as Alternate Co-Sponsor Sen. Karina Villa