---
type: "Bill"
title: "INS CD-HEALTH CARE RECOUPMENT"
description: "Amends the Illinois Insurance Code. Provides that an insurer, health maintenance organization, independent practice association, or physician hospital organization may not attempt a recoupment or offset until all appeal rights of a health care professional or health care provider are exhausted. Provides that no recoupment or offset may be requested or withheld from future payments 6 months or more after the original payment is made (rather than 18 months or more after the original payment is made). Effective January 1, 2022."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "102nd"
identifier: "SB 1974"
citation: "Illinois SB 1974 (102nd)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Bob Morgan", "Laura Fine"]
version_count: 5
action_count: 42
vote_count: 3
first_action: "2021-02-26"
last_action: "2021-08-27"
source: "openstates"
source_identifier: "ocd-bill/ee76aed9-d98b-4e88-ba7a-d76514623ff2"
source_url: "https://ilga.gov/legislation/BillStatus.asp?DocNum=1974&GAID=16&DocTypeID=SB&LegId=134630&SessionID=110&GA=102"
source_hash: "9ff6b28f83e8055f7f7eb9ca05248cc7a6e60756c708342a0b7cb8442585d0cc"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-il"]
---

# Illinois SB 1974 (102nd) — INS CD-HEALTH CARE RECOUPMENT

Amends the Illinois Insurance Code. Provides that an insurer, health maintenance organization, independent practice association, or physician hospital organization may not attempt a recoupment or offset until all appeal rights of a health care professional or health care provider are exhausted. Provides that no recoupment or offset may be requested or withheld from future payments 6 months or more after the original payment is made (rather than 18 months or more after the original payment is made). Effective January 1, 2022.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Introduced** (filed) — [source](https://ilga.gov/legislation/102/SB/PDF/10200SB1974.pdf)
2. **Engrossed** (committee substitute) — [source](https://ilga.gov/legislation/102/SB/PDF/10200SB1974eng.pdf)
3. **House Amendment 001** (committee substitute) — [source](https://ilga.gov/legislation/102/SB/PDF/10200SB1974ham001.pdf)
4. **Senate Amendment 001** (committee substitute) — [source](https://ilga.gov/legislation/102/SB/PDF/10200SB1974sam001.pdf)
5. **Enrolled** (enrolled) — [source](https://ilga.gov/legislation/102/SB/PDF/10200SB1974enr.pdf)

## Votes

- Third Reading — **58–0** (pass) · upper
- Third Reading — **112–0** (pass) · lower
- Concurrence — **58–0** (pass) · upper

## Sponsors

- Bob Morgan — primary (person)
- Laura Fine — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2021-02-26** Filed with Secretary by Sen. Laura Fine `filing`
- **2021-02-26** First Reading `reading-1`
- **2021-02-26** Referred to Assignments `referral-committee`
- **2021-03-16** Assigned to Insurance `referral-committee`
- **2021-04-08** Senate Committee Amendment No. 1 Filed with Secretary by Sen. Laura Fine `amendment-introduction`
- **2021-04-08** Senate Committee Amendment No. 1 Referred to Assignments `referral-committee`
- **2021-04-13** Senate Committee Amendment No. 1 Assignments Refers to Insurance
- **2021-04-14** Senate Committee Amendment No. 1 Adopted `amendment-passage`
- **2021-04-15** Do Pass as Amended Insurance; 009-000-000 `committee-passage`
- **2021-04-15** Placed on Calendar Order of 2nd Reading April 20, 2021
- **2021-04-20** Second Reading `reading-2`
- **2021-04-20** Placed on Calendar Order of 3rd Reading ** April 21, 2021
- **2021-04-23** Third Reading - Passed; 058-000-000 `passage, reading-3`
- **2021-04-26** Arrived in House `introduction`
- **2021-04-26** Chief House Sponsor Rep. Bob Morgan
- **2021-04-27** First Reading `reading-1`
- **2021-04-27** Referred to Rules Committee `referral-committee`
- **2021-05-04** Assigned to Insurance Committee `referral-committee`
- **2021-05-07** House Committee Amendment No. 1 Filed with Clerk by Rep. Bob Morgan `amendment-introduction`
- **2021-05-07** House Committee Amendment No. 1 Referred to Rules Committee `referral-committee`
- **2021-05-11** House Committee Amendment No. 1 Rules Refers to Insurance Committee
- **2021-05-11** House Committee Amendment No. 1 Adopted in Insurance Committee; by Voice Vote `amendment-passage`
- **2021-05-11** Do Pass as Amended / Consent Calendar Insurance Committee; 019-000-000 `committee-passage`
- **2021-05-12** Placed on Calendar 2nd Reading - Consent Calendar
- **2021-05-13** Second Reading - Consent Calendar `reading-2`
- **2021-05-13** Held on Calendar Order of Second Reading - Consent Calendar `reading-2`
- **2021-05-14** Placed on Calendar Order of 3rd Reading - Consent Calendar
- **2021-05-21** Third Reading - Consent Calendar - First Day `reading-3`
- **2021-05-26** Third Reading - Consent Calendar - Passed 112-000-000 `passage, reading-3`
- **2021-05-26** Secretary's Desk - Concurrence House Amendment(s) 1
- **2021-05-26** Placed on Calendar Order of Concurrence House Amendment(s) 1 - May 27, 2021
- **2021-05-27** House Committee Amendment No. 1 Motion to Concur Filed with Secretary Sen. Laura Fine `filing`
- **2021-05-27** House Committee Amendment No. 1 Motion to Concur Referred to Assignments `referral-committee`
- **2021-05-29** House Committee Amendment No. 1 Motion to Concur Referred to Executive `referral-committee`
- **2021-05-29** House Committee Amendment No. 1 Motion To Concur Recommended Do Adopt Executive; 016-000-000
- **2021-05-30** House Committee Amendment No. 1 Senate Concurs 058-000-000
- **2021-05-30** Senate Concurs
- **2021-05-30** Passed Both Houses
- **2021-06-28** Sent to the Governor `executive-receipt`
- **2021-08-27** Governor Approved `executive-signature`
- **2021-08-27** Effective Date January 1, 2022
- **2021-08-27** Public Act . . . . . . . . . 102-0632 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/ee76aed9-d98b-4e88-ba7a-d76514623ff2`. Confidence: reported (aggregated from official Illinois legislature records).