SB2405 - 104th General Assembly (2025-2026)

INS-SURPRISE BILL PROTECT
Last Action
06/02/2025 - Senate: Rule 3-9(a) / Re-referred to Assignments
Statutes Amended In Order of Appearance
215 ILCS 5/356z.3a  
215 ILCS 5/370g  from Ch. 73, par. 982g
215 ILCS 125/4-15  from Ch. 111 1/2, par. 1409.8
815 ILCS 505/2HHHH new  
Synopsis As Introduced
Amends the Illinois Insurance Code to create the Consumer Protection from Surprise Health Care Billing Act. Provides that, on or after July 1, 2025, notwithstanding any other applicable provision, when a beneficiary, insured, or enrollee receives services from a nonparticipating ground ambulance service provider, the health insurance issuer shall ensure that the beneficiary, insured, or enrollee shall incur no greater out-of-pocket costs than the beneficiary, insured, or enrollee would have incurred with a participating ground ambulance service provider. Provides that any cost-sharing requirements shall be applied as though the services provided by the nonparticipating ground ambulance service provider had been provided by a participating ground ambulance service provider. Sets forth provisions concerning payment for ground ambulance services; calculating the recognized amount; limitations for the cost sharing amount for any occurrence in which a ground ambulance service is provided to a beneficiary; appeals for payments made by health insurance issuers; the maximum allowable payment amounts, by individual service types, for nonparticipating ground ambulance service providers owned, operated, or controlled by a private organization; and payments to nonparticipating ground ambulance service providers owned, operated, or controlled, by a unit of government which participates in the Ground Emergency Medical Transportation program administered by the Department of Healthcare and Family Services. Makes conforming changes. Provides that the failure by a health insurance issuer to comply with the specified requirements constitutes an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act and enforcement authority is granted to the Attorney General. Amends the Health Maintenance Organization Act and the Consumer Fraud and Deceptive Business Practices Act to make corresponding changes. Effective July 1, 2025.
Actions
DateChamberAction
02/07/2025SenateFiled with Secretary by Sen. Ram Villivalam
02/07/2025SenateFirst Reading
02/07/2025SenateReferred to Assignments
02/24/2025SenateAdded as Chief Co-Sponsor Sen. Graciela Guzmán
03/04/2025SenateAssigned to Insurance
03/11/2025SenateAdded as Co-Sponsor Sen. Laura Fine
03/13/2025SenateAdded as Co-Sponsor Sen. Cristina Castro
03/19/2025SenatePostponed - Insurance
03/19/2025SenateAdded as Co-Sponsor Sen. Sara Feigenholtz
03/19/2025SenateAdded as Co-Sponsor Sen. Bill Cunningham
03/19/2025SenateAdded as Co-Sponsor Sen. Willie Preston
03/19/2025SenateAdded as Co-Sponsor Sen. Robert Peters
03/21/2025SenateRule 2-10 Committee Deadline Established As April 4, 2025
04/01/2025SenateAdded as Co-Sponsor Sen. Suzy Glowiak Hilton
04/01/2025SenateAdded as Co-Sponsor Sen. Napoleon Harris, III
04/02/2025SenateDo Pass Insurance; 012-000-000
04/02/2025SenatePlaced on Calendar Order of 2nd Reading April 3, 2025
04/03/2025SenateAdded as Chief Co-Sponsor Sen. Willie Preston
04/04/2025SenateAdded as Co-Sponsor Sen. Mike Porfirio
04/04/2025SenateAdded as Co-Sponsor Sen. Celina Villanueva
04/04/2025SenateAdded as Co-Sponsor Sen. Javier L. Cervantes
04/04/2025SenateAdded as Co-Sponsor Sen. Mike Simmons
04/04/2025SenateAdded as Co-Sponsor Sen. Mary Edly-Allen
04/04/2025SenateAdded as Co-Sponsor Sen. Adriane Johnson
04/04/2025SenateAdded as Co-Sponsor Sen. Rachel Ventura
04/04/2025SenateAdded as Co-Sponsor Sen. Karina Villa
04/04/2025SenateAdded as Co-Sponsor Sen. Robert F. Martwick
04/07/2025SenateAdded as Co-Sponsor Sen. Linda Holmes
04/07/2025SenateAdded as Co-Sponsor Sen. David Koehler
04/08/2025SenateSenate Floor Amendment No. 1 Filed with Secretary by Sen. Ram Villivalam
04/08/2025SenateSenate Floor Amendment No. 1 Referred to Assignments
04/09/2025SenateSecond Reading
04/09/2025SenatePlaced on Calendar Order of 3rd Reading April 10, 2025
04/09/2025SenateAdded as Co-Sponsor Sen. Doris Turner
04/09/2025SenateAdded as Co-Sponsor Sen. Michael W. Halpin
04/10/2025SenateAdded as Co-Sponsor Sen. Michael E. Hastings
04/10/2025SenateAdded as Co-Sponsor Sen. Mattie Hunter
04/10/2025SenateAdded as Co-Sponsor Sen. Chapin Rose
04/11/2025SenateRule 2-10 Third Reading Deadline Established As May 9, 2025
04/22/2025SenateAdded as Co-Sponsor Sen. Erica Harriss
04/23/2025SenateSenate Floor Amendment No. 1 Assignments Refers to Insurance
04/28/2025SenateAdded as Co-Sponsor Sen. Lakesia Collins
05/09/2025SenateSenate Floor Amendment No. 2 Filed with Secretary by Sen. Ram Villivalam
05/09/2025SenateSenate Floor Amendment No. 2 Referred to Assignments
05/09/2025SenateRule 2-10 Third Reading Deadline Established As May 23, 2025
05/13/2025SenateSenate Floor Amendment No. 2 Assignments Refers to Insurance
05/20/2025SenateSenate Floor Amendment No. 3 Filed with Secretary by Sen. Ram Villivalam
05/20/2025SenateSenate Floor Amendment No. 3 Referred to Assignments
05/20/2025SenateSenate Floor Amendment No. 3 Assignments Refers to Insurance
05/20/2025SenateAdded as Co-Sponsor Sen. Terri Bryant
05/20/2025SenateAdded as Co-Sponsor Sen. John F. Curran
05/20/2025SenateSenate Floor Amendment No. 3 Recommend Do Adopt Insurance; 013-000-000
05/22/2025SenateAdded as Co-Sponsor Sen. Seth Lewis
05/23/2025SenateRule 2-10 Third Reading Deadline Established As June 1, 2025
05/28/2025SenateAdded as Co-Sponsor Sen. Chris Balkema
06/02/2025SenateRule 3-9(a) / Re-referred to Assignments
07/02/2025SenateSenate Floor Amendment No. 1 Pursuant to Senate Rule 3-9(b) / Referred to Assignments
07/02/2025SenateSenate Floor Amendment No. 2 Pursuant to Senate Rule 3-9(b) / Referred to Assignments