republic-os/legislation/us/states/il/102nd/hb-4493.md

---
type: "Bill"
title: "INSURANCE-VARIOUS"
description: "Amends the Illinois Insurance Code. In provisions concerning uninsured motor vehicle coverage, provides that no motor vehicle insurance policy shall be renewed, delivered, or issued in the State unless coverage is made available in the amount of the cash value of the motor vehicle or the limit for uninsured motor vehicle property damage (rather than $15,000), whichever is less. In provisions concerning fraud reporting, provides that the Director of Insurance may request an insurer to report factual information that is pertinent to suspected insurance fraud after a determination that the information is necessary to detect fraud or arson. Removes language providing that the Director is authorized to establish fraud reporting requirements by rule. In provisions concerning standard non-forfeiture for individual deferred annuities, changes an interest rate to 0.15% (rather than 1%). Sets forth provisions concerning availability of information on qualified health plans. In provisions concerning refunds, penalties, and collection, provides that the Department of Insurance shall deposit an amount of cash refunds approved by the Director (rather than an amount calculated by using an annual percentage) into the Insurance Premium Tax Refund Fund. Repeals a provision concerning preexisting condition exclusions. Makes other changes. Makes conforming changes in the Health Maintenance Organization Act, the Limited Health Service Organization Act, and the Voluntary Health Services Plans Act. Amends the Illinois Health Insurance Portability and Accountability Act. Provides that no health insurance coverage issued, amended, delivered, or renewed on or after the effective date of the amendatory Act may impose any preexisting condition exclusion with respect to the plan or coverage. Removes language concerning preexisting condition exclusion limitations. Amends the Workers' Compensation Act. In provisions concerning decisions of the Industrial Commission, provides that the State of Illinois shall not be required to file a bond to secure payment of an award for payment of money and the costs of proceedings in the court to authorize the circuit court to issue summons. Amends the Unemployment Insurance Act. Provides that the Director may make available to the Department of Insurance information regarding employers for the purpose of verifying insurance coverage. Effective immediately."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "102nd"
identifier: "HB 4493"
citation: "Illinois HB 4493 (102nd)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Bob Morgan", "Napoleon Harris, III"]
version_count: 4
action_count: 31
vote_count: 2
first_action: "2022-01-13"
last_action: "2022-05-13"
source: "openstates"
source_identifier: "ocd-bill/d0c878e0-b12e-42d9-86e0-d4c07447fcff"
source_url: "https://ilga.gov/legislation/BillStatus.asp?DocNum=4493&GAID=16&DocTypeID=HB&LegId=137941&SessionID=110&GA=102"
source_hash: "7357ee86b23aca51370e7dfa8598373677204fe309cd48f827a5105ebfd3478a"
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 HB 4493 (102nd) — INSURANCE-VARIOUS

Amends the Illinois Insurance Code. In provisions concerning uninsured motor vehicle coverage, provides that no motor vehicle insurance policy shall be renewed, delivered, or issued in the State unless coverage is made available in the amount of the cash value of the motor vehicle or the limit for uninsured motor vehicle property damage (rather than $15,000), whichever is less. In provisions concerning fraud reporting, provides that the Director of Insurance may request an insurer to report factual information that is pertinent to suspected insurance fraud after a determination that the information is necessary to detect fraud or arson. Removes language providing that the Director is authorized to establish fraud reporting requirements by rule. In provisions concerning standard non-forfeiture for individual deferred annuities, changes an interest rate to 0.15% (rather than 1%). Sets forth provisions concerning availability of information on qualified health plans. In provisions concerning refunds, penalties, and collection, provides that the Department of Insurance shall deposit an amount of cash refunds approved by the Director (rather than an amount calculated by using an annual percentage) into the Insurance Premium Tax Refund Fund. Repeals a provision concerning preexisting condition exclusions. Makes other changes. Makes conforming changes in the Health Maintenance Organization Act, the Limited Health Service Organization Act, and the Voluntary Health Services Plans Act. Amends the Illinois Health Insurance Portability and Accountability Act. Provides that no health insurance coverage issued, amended, delivered, or renewed on or after the effective date of the amendatory Act may impose any preexisting condition exclusion with respect to the plan or coverage. Removes language concerning preexisting condition exclusion limitations. Amends the Workers' Compensation Act. In provisions concerning decisions of the Industrial Commission, provides that the State of Illinois shall not be required to file a bond to secure payment of an award for payment of money and the costs of proceedings in the court to authorize the circuit court to issue summons. Amends the Unemployment Insurance Act. Provides that the Director may make available to the Department of Insurance information regarding employers for the purpose of verifying insurance coverage. Effective immediately.

## 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/HB/PDF/10200HB4493.pdf)
2. **Engrossed** (committee substitute) — [source](https://ilga.gov/legislation/102/HB/PDF/10200HB4493eng.pdf)
3. **House Amendment 001** (committee substitute) — [source](https://ilga.gov/legislation/102/HB/PDF/10200HB4493ham001.pdf)
4. **Enrolled** (enrolled) — [source](https://ilga.gov/legislation/102/HB/PDF/10200HB4493enr.pdf)

## Votes

- Third Reading — **104–0** (pass) · lower
- Third Reading — **56–0** (pass) · upper

## Sponsors

- Bob Morgan — primary (person)
- Napoleon Harris, III — primary (person)

## Timeline

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

- **2022-01-13** Filed with the Clerk by Rep. Bob Morgan `filing`
- **2022-01-21** First Reading `reading-1`
- **2022-01-21** Referred to Rules Committee `referral-committee`
- **2022-02-01** Assigned to Insurance Committee `referral-committee`
- **2022-02-15** House Committee Amendment No. 1 Filed with Clerk by Rep. Bob Morgan `amendment-introduction`
- **2022-02-15** House Committee Amendment No. 1 Referred to Rules Committee `referral-committee`
- **2022-02-16** House Committee Amendment No. 1 Rules Refers to Insurance Committee
- **2022-02-17** House Committee Amendment No. 1 Adopted in Insurance Committee; by Voice Vote `amendment-passage`
- **2022-02-17** Do Pass as Amended / Consent Calendar Insurance Committee; 017-000-000 `committee-passage`
- **2022-02-18** Placed on Calendar 2nd Reading - Consent Calendar
- **2022-03-01** Second Reading - Consent Calendar `reading-2`
- **2022-03-01** Held on Calendar Order of Second Reading - Consent Calendar `reading-2`
- **2022-03-02** Placed on Calendar Order of 3rd Reading - Consent Calendar
- **2022-03-03** Third Reading - Consent Calendar - First Day `reading-3`
- **2022-03-04** Third Reading - Consent Calendar - Passed 104-000-000 `passage, reading-3`
- **2022-03-07** Arrive in Senate `introduction`
- **2022-03-07** Placed on Calendar Order of First Reading `reading-1`
- **2022-03-07** Chief Senate Sponsor Sen. Napoleon Harris, III
- **2022-03-07** First Reading `reading-1`
- **2022-03-07** Referred to Assignments `referral-committee`
- **2022-03-16** Assigned to State Government `referral-committee`
- **2022-03-23** Do Pass State Government; 008-000-000 `committee-passage`
- **2022-03-23** Placed on Calendar Order of 2nd Reading
- **2022-03-23** Second Reading `reading-2`
- **2022-03-23** Placed on Calendar Order of 3rd Reading March 24, 2022
- **2022-03-30** Third Reading - Passed; 056-000-000 `passage, reading-3`
- **2022-03-30** Passed Both Houses
- **2022-04-28** Sent to the Governor `executive-receipt`
- **2022-05-13** Governor Approved `executive-signature`
- **2022-05-13** Effective Date May 13, 2022
- **2022-05-13** Public Act . . . . . . . . . 102-0775 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/d0c878e0-b12e-42d9-86e0-d4c07447fcff`. Confidence: reported (aggregated from official Illinois legislature records).