republic-os/legislation/us/states/il/95th/hb-2786.md

---
type: "Bill"
title: "INS CD-LAWFUL TRAVEL DISCRIMIN"
description: "Amends the Illinois Insurance Code. Provides that an insurer or producer authorized to issue policies of insurance in this State may not make a distinction or otherwise discriminate between persons, reject an applicant, cancel a policy, or demand or require a higher rate of premium for reasons based solely upon an applicant's or insured's past lawful travel experiences or future lawful travel plans. Provides that this provision does not prohibit an insurer or producer from excluding or limiting coverage under a policy or refusing to offer the policy based upon past lawful travel or future lawful travel plans or from charging a different rate for that coverage when that action is based upon sound actuarial principles or is related to actual or reasonably expected experience and is not based solely on the destination's inclusion on the United States Department of State's travel warning list."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "95th"
identifier: "HB 2786"
citation: "Illinois HB 2786 (95th)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 32
vote_count: 2
first_action: "2007-02-26"
last_action: "2007-08-14"
source: "openstates"
source_identifier: "ocd-bill/b9f07f8e-3b49-43b7-9ac3-1db9f78b47d4"
source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=2786&GAID=9&DocTypeID=HB&LegId=31570&SessionID=51&GA=95"
source_hash: "96aabd267480fcc460e2670557cac4990fe0c770126c321a3b19f1763551e546"
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 2786 (95th) — INS CD-LAWFUL TRAVEL DISCRIMIN

Amends the Illinois Insurance Code. Provides that an insurer or producer authorized to issue policies of insurance in this State may not make a distinction or otherwise discriminate between persons, reject an applicant, cancel a policy, or demand or require a higher rate of premium for reasons based solely upon an applicant's or insured's past lawful travel experiences or future lawful travel plans. Provides that this provision does not prohibit an insurer or producer from excluding or limiting coverage under a policy or refusing to offer the policy based upon past lawful travel or future lawful travel plans or from charging a different rate for that coverage when that action is based upon sound actuarial principles or is related to actual or reasonably expected experience and is not based solely on the destination's inclusion on the United States Department of State's travel warning list.

## Version chain

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

1. **Introduced** (filed) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09500HB2786&GA=95&SessionId=51&DocTypeId=HB&LegID=31570&DocNum=2786&GAID=9&Session=&print=true)
2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09500HB2786eng&GA=95&SessionId=51&DocTypeId=HB&LegID=31570&DocNum=2786&GAID=9&Session=&print=true)
3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09500HB2786enr&GA=95&SessionId=51&DocTypeId=HB&LegID=31570&DocNum=2786&GAID=9&Session=&print=true)

## Votes

- Third Reading — **55–0** (pass) · upper
- Third Reading — **114–1** (pass) · lower

## Sponsors

- Bill Brady — cosponsor (person)
- Sidney H. Mathias — primary (person)

## Timeline

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

- **2007-02-26** Filed with the Clerk by Rep. JoAnn D. Osmond `filing`
- **2007-02-26** First Reading `reading-1`
- **2007-02-26** Referred to Rules Committee `referral-committee`
- **2007-03-01** Assigned to Insurance Committee `referral-committee`
- **2007-03-08** Chief Sponsor Changed to Rep. Sidney H. Mathias
- **2007-03-08** Added Chief Co-Sponsor Rep. JoAnn D. Osmond
- **2007-03-13** House Committee Amendment No. 1 Filed with Clerk by Insurance Committee `amendment-introduction`
- **2007-03-13** House Committee Amendment No. 1 Adopted in Insurance Committee; by Voice Vote `amendment-passage`
- **2007-03-13** Do Pass as Amended / Short Debate Insurance Committee; 019-000-000 `committee-passage`
- **2007-03-14** Placed on Calendar 2nd Reading - Short Debate
- **2007-03-14** Added Chief Co-Sponsor Rep. Karen May
- **2007-04-17** Second Reading - Short Debate `reading-2`
- **2007-04-17** Placed on Calendar Order of 3rd Reading - Short Debate
- **2007-04-18** Third Reading - Short Debate - Passed 114-001-001 `reading-3, passage`
- **2007-04-20** Arrive in Senate `introduction`
- **2007-04-20** Placed on Calendar Order of First Reading `reading-1`
- **2007-04-20** Chief Senate Sponsor Sen. Ira I. Silverstein
- **2007-04-20** First Reading `reading-1`
- **2007-04-20** Referred to Rules `referral-committee`
- **2007-04-25** Assigned to Insurance `referral-committee`
- **2007-05-02** Do Pass Insurance; 006-000-000 `committee-passage`
- **2007-05-02** Placed on Calendar Order of 2nd Reading May 3, 2007
- **2007-05-07** Added as Alternate Co-Sponsor Sen. Bill Brady
- **2007-05-10** Added as Alternate Chief Co-Sponsor Sen. Jeffrey M. Schoenberg
- **2007-05-15** Second Reading `reading-2`
- **2007-05-15** Placed on Calendar Order of 3rd Reading May 16, 2007
- **2007-05-18** Third Reading - Passed; 055-000-000 `reading-3, passage`
- **2007-05-18** Passed Both Houses
- **2007-06-15** Sent to the Governor `executive-receipt`
- **2007-08-14** Governor Approved `executive-signature`
- **2007-08-14** Effective Date January 1, 2008
- **2007-08-14** Public Act . . . . . . . . . 95-0163 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/b9f07f8e-3b49-43b7-9ac3-1db9f78b47d4`. Confidence: reported (aggregated from official Illinois legislature records).