HB1865Introduced in the House
FRAUD-TARGETED INSURANCE SALES
Introduced by Sue Scherer, District 96
What does this bill do?
Plain-English breakdown
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Official description
Amends the Unfair Methods of Competition and Unfair and Deceptive Acts and Practices Article of the Illinois Insurance Code. Provides that, unless certain requirements are met, it is an unfair method of competition and unfair and deceptive act or practice in the business of insurance to: (A) solicit either an individual who is a resident of a nursing home or long-term care facility or an individual who is over the age of 65, to purchase accident or health insurance or (B) enter into or amend an accident or health insurance policy with an individual who is over the age of 65 and who has executed a health care power of attorney or has a medical condition, such as dementia, that reduces the person's capacity to make informed decisions independently. Provides that if, after a hearing, the Director of Insurance determines that a person has violated either of these prohibitions, then the Director may declare void and unenforceable any agreement or policy of insurance solicited, entered into, or amended as a result of that violation. Amends the Consumer Fraud and Deceptive Business Practices Act. Makes it an unlawful practice for a nursing home or long-term care facility to make substantive changes likely to be disruptive to a resident or move a resident's place of living without prior approval from a family member, guardian, or power of attorney of the resident if the resident suffers from dementia or suffers from a medical condition that reduces the resident's capacity to make informed decisions independently.
Where it stands
Public Act . . . . . . . . . 104-0055
August 1, 2025
How did lawmakers vote?
House votes
2 recorded votes · each counted separately
Senate votes
2 recorded votes · each counted separately
SenateStage: Third Reading in Senate · May 21, 2025
57
Yes
0
No
2
Absent or Not Voting
59 senators recorded in this Senate vote. Colors show vote categories only, not whether a vote was good or bad.
See how each senator voted
| Senator | District | Vote |
|---|---|---|
| Javier Cervantes | 1 | Yes |
| Omar Aquino | 2 | Yes |
| Mattie Hunter | 3 | Yes |
| Kimberly Lightford | 4 | Yes |
| Lakesia Collins | 5 | Yes |
| Sara Feigenholtz | 6 | Yes |
| Mike Simmons | 7 | Yes |
| Ram Villivalam | 8 | Yes |
| Laura Fine | 9 | Yes |
| Robert Martwick | 10 | Yes |
Bill history
Filed with the Clerk by Rep. Sue Scherer
First Reading
Referred to Rules Committee
Assigned to Consumer Protection Committee
House Committee Amendment No. 1 Filed with Clerk by Rep. Sue Scherer
House Committee Amendment No. 1 Referred to Rules Committee
House Committee Amendment No. 1 Rules Refers to Consumer Protection Committee
House Committee Amendment No. 1 Adopted in Consumer Protection Committee; by Voice Vote
Do Pass as Amended / Short Debate Consumer Protection Committee; 007-000-000
Placed on Calendar 2nd Reading - Short Debate
Second Reading - Short Debate
Placed on Calendar Order of 3rd Reading - Short Debate
Added Chief Co-Sponsor Rep. Amy Briel
Added Chief Co-Sponsor Rep. Diane Blair-Sherlock
Added Co-Sponsor Rep. Stephanie A. Kifowit
Third Reading - Short Debate - Passed 104-000-000
Arrive in Senate
Placed on Calendar Order of First Reading April 9, 2025
Chief Senate Sponsor Sen. Doris Turner
First Reading
Referred to Assignments
Assigned to Insurance
Do Pass Insurance; 009-000-000
Placed on Calendar Order of 2nd Reading May 1, 2025
Added as Alternate Chief Co-Sponsor Sen. Suzy Glowiak Hilton
Added as Alternate Co-Sponsor Sen. Michael W. Halpin
Second Reading
Placed on Calendar Order of 3rd Reading May 6, 2025
Added as Alternate Chief Co-Sponsor Sen. Christopher Belt
Added as Alternate Chief Co-Sponsor Sen. Laura Ellman
Added as Alternate Co-Sponsor Sen. Julie A. Morrison
Third Reading - Passed; 057-000-000
Passed Both Houses
Sent to the Governor
Governor Approved
Effective Date January 1, 2026
Public Act . . . . . . . . . 104-0055
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