SB3815Introduced in the Senate
INS-PAST DUE PREMIUMS
Introduced by Laura Ellman, District 21
What does this bill do?
Plain-English breakdown
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Official description
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.
Where it stands
Public Act . . . . . . . . . 104-0533
June 26, 2026
How did lawmakers vote?
House votes
2 recorded votes · each counted separately
Senate votes
3 recorded votes · each counted separately
HouseStage: House Third Reading · May 22, 2026
94
Yes
5
No
1
Absent or Not Voting
100 representatives recorded in this House vote. Colors show vote categories only, not whether a vote was good or bad.
See how each representative voted
| Representative | District | Vote |
|---|---|---|
| Elizabeth Hernandez | 2 | Yes |
| Eva Dina Delgado | 3 | Yes |
| Lilian Jimenez | 4 | Yes |
| Sonya Harper | 6 | Yes |
| Emanuel Welch | 7 | Yes |
| LaShawn Ford | 8 | Yes |
| Yolanda Morris | 9 | Yes |
| Ann Williams | 11 | Yes |
| Kelly Cassidy | 14 | Yes |
| Michael Kelly | 15 | Yes |
Bill history
Filed with Secretary by Sen. Laura Ellman
First Reading
Referred to Assignments
Assigned to Insurance
Added as Chief Co-Sponsor Sen. Cristina Castro
Do Pass Insurance; 009-000-000
Placed on Calendar Order of 2nd Reading March 5, 2026
Second Reading
Placed on Calendar Order of 3rd Reading March 10, 2026
Senate Floor Amendment No. 1 Filed with Secretary by Sen. Laura Ellman
Senate Floor Amendment No. 1 Referred to Assignments
Senate Floor Amendment No. 1 Assignments Refers to Insurance
Senate Floor Amendment No. 1 Recommend Do Adopt Insurance; 011-000-000
Recalled to Second Reading
Senate Floor Amendment No. 1 Adopted; Ellman
Placed on Calendar Order of 3rd Reading
Third Reading - Passed; 053-000-000
Added as Co-Sponsor Sen. Mary Edly-Allen
Arrived in House
Chief House Sponsor Rep. Martha Deuter
First Reading
Referred to Rules Committee
Assigned to Insurance Committee
Do Pass / Short Debate Insurance Committee; 010-005-000
Placed on Calendar 2nd Reading - Short Debate
Second Reading - Short Debate
Placed on Calendar Order of 3rd Reading - Short Debate
Third Reading - Short Debate - Passed 094-005-000
Passed Both Houses
Added Alternate Co-Sponsor Rep. Matt Hanson
Added Alternate Co-Sponsor Rep. Nicolle Grasse
Sent to the Governor
Governor Approved
Effective Date June 26, 2026
Public Act . . . . . . . . . 104-0533
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