Fabio
103 lines
5.7 KiB
Markdown
103 lines
5.7 KiB
Markdown
---
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type: "Bill"
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title: "INS-PAST DUE PREMIUMS"
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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."
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jurisdiction: "us/states/il"
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legislature: "Illinois General Assembly"
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session: "104th"
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identifier: "SB 3815"
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citation: "Illinois SB 3815 (104th)"
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classification: ["bill"]
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subjects: []
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status: "enacted"
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primary_sponsors: ["Laura Ellman", "Martha Deuter"]
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version_count: 4
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action_count: 34
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vote_count: 5
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first_action: "2026-02-06"
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last_action: "2026-06-26"
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source: "openstates"
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source_identifier: "ocd-bill/195b3538-b655-4a91-9aa7-14ad8dcd781b"
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source_url: "https://ilga.gov/Legislation/BillStatus?DocNum=3815&GAID=18&DocTypeID=SB&LegId=167206&SessionID=114"
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source_hash: "3602b35cb340e4de0bb317305bd6a3b988a4cabf994a47aeb7809fe11ba21c39"
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vintage: "2026-07-01"
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source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
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retrieved_at: "2026-07-06"
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confidence: "reported"
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tags: ["legislation", "bill", "us-il"]
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---
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# Illinois SB 3815 (104th) — INS-PAST DUE PREMIUMS
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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.
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## Version chain
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The bill's text revisions, in order — the diff chain from filing to enrollment.
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1. **Introduced** (filed) — [source](https://ilga.gov/documents/legislation/104/SB/PDF/10400SB3815.pdf)
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2. **Engrossed** (committee substitute) — [source](https://ilga.gov/documents/legislation/104/SB/PDF/10400SB3815eng.pdf)
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3. **Senate Amendment 001** (committee substitute) — [source](https://ilga.gov/documents/legislation/104/SB/PDF/10400SB3815sam001.pdf)
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4. **Enrolled** (enrolled) — [source](https://ilga.gov/documents/legislation/104/SB/PDF/10400SB3815enr.pdf)
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## Votes
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- Insurance, Amendment 1 — **11–0** (pass) · upper
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- Insurance — **10–5** (pass) · lower
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- Insurance — **9–0** (pass) · upper
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- Third Reading — **53–0** (pass) · upper
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- Third Reading — **94–5** (pass) · lower
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## Sponsors
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- Laura Ellman — primary (person)
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- Martha Deuter — primary (person)
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- Cristina Castro — cosponsor (person)
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- Mary Edly-Allen — cosponsor (person)
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- Matt Hanson — cosponsor (person)
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- Nicolle Grasse — cosponsor (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2026-02-06** Filed with Secretary by Sen. Laura Ellman `filing`
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- **2026-02-06** First Reading `reading-1`
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- **2026-02-06** Referred to Assignments
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- **2026-02-24** Assigned to Insurance `referral-committee`
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- **2026-02-27** Added as Chief Co-Sponsor Sen. Cristina Castro
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- **2026-03-04** Do Pass Insurance; 009-000-000
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- **2026-03-04** Placed on Calendar Order of 2nd Reading March 5, 2026 `reading-2`
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- **2026-03-05** Second Reading `reading-2`
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- **2026-03-05** Placed on Calendar Order of 3rd Reading March 10, 2026
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- **2026-04-09** Senate Floor Amendment No. 1 Filed with Secretary by Sen. Laura Ellman `amendment-introduction`
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- **2026-04-09** Senate Floor Amendment No. 1 Referred to Assignments
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- **2026-04-14** Senate Floor Amendment No. 1 Assignments Refers to Insurance
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- **2026-04-14** Senate Floor Amendment No. 1 Recommend Do Adopt Insurance; 011-000-000
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- **2026-04-15** Recalled to Second Reading `reading-2`
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- **2026-04-15** Senate Floor Amendment No. 1 Adopted; Ellman `amendment-passage`
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- **2026-04-15** Placed on Calendar Order of 3rd Reading
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- **2026-04-15** Third Reading - Passed; 053-000-000 `passage, reading-3`
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- **2026-04-15** Added as Co-Sponsor Sen. Mary Edly-Allen
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- **2026-04-15** Arrived in House `introduction`
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- **2026-04-17** Chief House Sponsor Rep. Martha Deuter
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- **2026-04-17** First Reading `reading-1`
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- **2026-04-17** Referred to Rules Committee
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- **2026-04-27** Assigned to Insurance Committee `referral-committee`
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- **2026-05-05** Do Pass / Short Debate Insurance Committee; 010-005-000
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- **2026-05-06** Placed on Calendar 2nd Reading - Short Debate `reading-2`
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- **2026-05-19** Second Reading - Short Debate `reading-2`
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- **2026-05-19** Placed on Calendar Order of 3rd Reading - Short Debate
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- **2026-05-22** Third Reading - Short Debate - Passed 094-005-000 `passage, reading-3`
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- **2026-05-22** Passed Both Houses
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- **2026-05-22** Added Alternate Co-Sponsor Rep. Matt Hanson
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- **2026-05-22** Added Alternate Co-Sponsor Rep. Nicolle Grasse
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- **2026-06-18** Sent to the Governor `executive-receipt`
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- **2026-06-26** Governor Approved `executive-signature`
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- **2026-06-26** Public Act . . . . . . . . . 104-0533 `became-law`
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## Source
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OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/195b3538-b655-4a91-9aa7-14ad8dcd781b`. Confidence: reported (aggregated from official Illinois legislature records).
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