republic-os/legislation/us/states/il/104th/hb-1865.md

type, title, description, jurisdiction, legislature, session, identifier, citation, classification, subjects, status, primary_sponsors, version_count, action_count, vote_count, first_action, last_action, source, source_identifier, source_url, source_hash, vintage, source_snapshot, retrieved_at, confidence, tags

type	title	description	jurisdiction	legislature	session	identifier	citation	classification	subjects	status	primary_sponsors	version_count	action_count	vote_count	first_action	last_action	source	source_identifier	source_url	source_hash	vintage	source_snapshot	retrieved_at	confidence	tags
Bill	FRAUD-TARGETED INSURANCE SALES	Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that it is an unlawful practice for any seller of accident insurance or health insurance to solicit individuals who are residents of a nursing home or long-term care facility or individuals who are over the age of 65, unless the seller: (1) does not require a purchasing decision in the first communication to the potential enrollee; (2) advises the potential enrollee of the benefit of examining the potential enrollee's current insurance plan and discussing any changes with a family member, friend, or other advisor before making any decisions; (3) provides a phone number that may be called if the potential enrollee or the potential enrollee's family members, friends, or other advisors have any questions; and (4) allows the potential enrollee to opt out of any future communications with the seller. Provides that it is also an unlawful practice for any seller or provider of accident insurance or health insurance to enter into or amend an insurance policy with a person who: (1) is over the age of 65 and who has executed a power of attorney to give another person authority over medical decisions; or (2) has a medical condition, such as dementia, that would reduce the person's capacity to make informed decisions independently. Provides that the provision does not apply to a new insurance policy or an amendment to an insurance policy that is agreed to by a person with a lawfully executed power of attorney relating to the enrollee or potential enrollee's health or financial matters.	us/states/il	Illinois General Assembly	104th	HB 1865	Illinois HB 1865 (104th)	bill		enacted	Doris Turner Sue Scherer	4	37	4	2025-01-29	2025-08-01	openstates	ocd-bill/87b95083-bf5a-4765-a6a9-7d3b86e8f294	https://ilga.gov/Legislation/BillStatus?DocNum=1865&GAID=18&DocTypeID=HB&LegId=159435&SessionID=114	28cc84bf7aa5193d4f61c046c820e0db1d3cfa40ecaafd2776829fab9a76c5c0	2026-07-01	https://data.openstates.org/daily/2026-07-01/public.pgdump	2026-07-06	reported	legislation bill us-il

Illinois HB 1865 (104th) — FRAUD-TARGETED INSURANCE SALES

Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that it is an unlawful practice for any seller of accident insurance or health insurance to solicit individuals who are residents of a nursing home or long-term care facility or individuals who are over the age of 65, unless the seller: (1) does not require a purchasing decision in the first communication to the potential enrollee; (2) advises the potential enrollee of the benefit of examining the potential enrollee's current insurance plan and discussing any changes with a family member, friend, or other advisor before making any decisions; (3) provides a phone number that may be called if the potential enrollee or the potential enrollee's family members, friends, or other advisors have any questions; and (4) allows the potential enrollee to opt out of any future communications with the seller. Provides that it is also an unlawful practice for any seller or provider of accident insurance or health insurance to enter into or amend an insurance policy with a person who: (1) is over the age of 65 and who has executed a power of attorney to give another person authority over medical decisions; or (2) has a medical condition, such as dementia, that would reduce the person's capacity to make informed decisions independently. Provides that the provision does not apply to a new insurance policy or an amendment to an insurance policy that is agreed to by a person with a lawfully executed power of attorney relating to the enrollee or potential enrollee's health or financial matters.

Version chain

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

1. Introduced (filed) — source
2. Engrossed (committee substitute) — source
3. House Amendment 001 (committee substitute) — source
4. Enrolled (enrolled) — source

Votes

• Consumer Protection — 7–0 (pass) · lower
• Third Reading — 57–0 (pass) · upper
• Third Reading — 104–0 (pass) · lower
• Insurance — 9–0 (pass) · upper

Sponsors

• Doris Turner — primary (person)
• Sue Scherer — primary (person)
• Amy Briel — cosponsor (person)
• Christopher Belt — cosponsor (person)
• Diane Blair-Sherlock — cosponsor (person)
• Julie A. Morrison — cosponsor (person)
• Laura Ellman — cosponsor (person)
• Michael W. Halpin — cosponsor (person)
• Stephanie A. Kifowit — cosponsor (person)
• Suzy Glowiak Hilton — cosponsor (person)

Timeline

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

• 2025-01-29 Filed with the Clerk by Rep. Sue Scherer filing
• 2025-01-29 First Reading reading-1
• 2025-01-29 Referred to Rules Committee
• 2025-02-25 Assigned to Consumer Protection Committee referral-committee
• 2025-03-04 House Committee Amendment No. 1 Filed with Clerk by Rep. Sue Scherer amendment-introduction
• 2025-03-04 House Committee Amendment No. 1 Referred to Rules Committee
• 2025-03-11 House Committee Amendment No. 1 Rules Refers to Consumer Protection Committee
• 2025-03-11 House Committee Amendment No. 1 Adopted in Consumer Protection Committee; by Voice Vote amendment-passage
• 2025-03-11 Do Pass as Amended / Short Debate Consumer Protection Committee; 007-000-000
• 2025-03-12 Placed on Calendar 2nd Reading - Short Debate reading-2
• 2025-03-18 Second Reading - Short Debate reading-2
• 2025-03-18 Placed on Calendar Order of 3rd Reading - Short Debate
• 2025-03-18 Added Chief Co-Sponsor Rep. Amy Briel
• 2025-03-18 Added Chief Co-Sponsor Rep. Diane Blair-Sherlock
• 2025-03-18 Added Co-Sponsor Rep. Stephanie A. Kifowit
• 2025-04-07 Third Reading - Short Debate - Passed 104-000-000 passage, reading-3
• 2025-04-08 Arrive in Senate introduction
• 2025-04-08 Placed on Calendar Order of First Reading April 9, 2025 reading-1
• 2025-04-09 Chief Senate Sponsor Sen. Doris Turner
• 2025-04-09 First Reading reading-1
• 2025-04-09 Referred to Assignments
• 2025-04-23 Assigned to Insurance referral-committee
• 2025-04-30 Do Pass Insurance; 009-000-000
• 2025-04-30 Placed on Calendar Order of 2nd Reading May 1, 2025 reading-2
• 2025-05-01 Added as Alternate Chief Co-Sponsor Sen. Suzy Glowiak Hilton
• 2025-05-01 Added as Alternate Co-Sponsor Sen. Michael W. Halpin
• 2025-05-01 Second Reading reading-2
• 2025-05-01 Placed on Calendar Order of 3rd Reading May 6, 2025
• 2025-05-01 Added as Alternate Chief Co-Sponsor Sen. Christopher Belt
• 2025-05-06 Added as Alternate Chief Co-Sponsor Sen. Laura Ellman
• 2025-05-21 Added as Alternate Co-Sponsor Sen. Julie A. Morrison
• 2025-05-21 Third Reading - Passed; 057-000-000 passage, reading-3
• 2025-05-21 Passed Both Houses
• 2025-06-17 Sent to the Governor executive-receipt
• 2025-08-01 Governor Approved executive-signature
• 2025-08-01 Effective Date January 1, 2026
• 2025-08-01 Public Act . . . . . . . . . 104-0055 became-law

Source

OpenStates / OpenCivicData bulk snapshot 2026-07-01; origin ocd-bill/87b95083-bf5a-4765-a6a9-7d3b86e8f294. Confidence: reported (aggregated from official Illinois legislature records).