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---
type: "Bill"
title: "INSURANCE-VARIOUS"
description: "Amends the Illinois Insurance Code. Provides that beginning with the operation of a State-based exchange in plan year 2026, a pregnant individual has the right to enroll in a qualified health plan through a special enrollment period at any time after a qualified health care professional certifies that the individual is pregnant. Amends the Illinois Health Insurance Portability and Accountability Act. Provides that notice of a health insurance issuer's election to uniformly modify coverage, uniformly terminate coverage, or discontinue coverage in a marketplace shall be sent by certified mail to the Department of Insurance 45 days (instead of 90 days) in advance of any notification of the company's actions sent to plan sponsors, participants, beneficiaries, and covered individuals. Makes conforming changes. Amends the Managed Care Reform and Patient Rights Act. Makes changes in provisions concerning flat-dollar copayment structures for prescription drug benefits. Amends the Network Adequacy and Transparency Act. Provides that the Act does not apply to an individual or group policy for excepted benefits or short-term, limited-duration health insurance coverage (instead of an individual or group policy for dental or vision insurance or a limited health service organization) with a network plan, except to the extent that federal law establishes network adequacy and transparency standards for stand-alone dental plans, which the Department shall enforce. Provides that if the Centers for Medicare and Medicaid Services establishes minimum provider ratios for stand-alone dental plans in the type of exchange in use in this State for a given plan year, the Department shall enforce those standards for stand-alone dental plans for that plan year. Requires the Department of Insurance to enforce certain appointment wait-time standards, time and distance standards, and other standards if the Centers for Medicare and Medicaid Services establishes those standards for plans in the type of exchange in use in this State. Makes other changes."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "103rd"
identifier: "SB 3130"
citation: "Illinois SB 3130 (103rd)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Laura Fine", "Robyn Gabel"]
version_count: 5
action_count: 36
vote_count: 5
first_action: "2024-02-02"
last_action: "2024-08-02"
source: "openstates"
source_identifier: "ocd-bill/7d1e8d5c-530f-4b00-a043-6b18e221c0a7"
source_url: "https://beta.ilga.gov/Legislation/BillStatus?DocNum=3130&GAID=17&DocTypeID=SB&LegId=152255&SessionID=112"
source_hash: "c190fb93c0a7d5a0ac3226a7d0f3e5484a82339ae5395b9a51ac057a87151891"
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 3130 (103rd) — INSURANCE-VARIOUS
Amends the Illinois Insurance Code. Provides that beginning with the operation of a State-based exchange in plan year 2026, a pregnant individual has the right to enroll in a qualified health plan through a special enrollment period at any time after a qualified health care professional certifies that the individual is pregnant. Amends the Illinois Health Insurance Portability and Accountability Act. Provides that notice of a health insurance issuer's election to uniformly modify coverage, uniformly terminate coverage, or discontinue coverage in a marketplace shall be sent by certified mail to the Department of Insurance 45 days (instead of 90 days) in advance of any notification of the company's actions sent to plan sponsors, participants, beneficiaries, and covered individuals. Makes conforming changes. Amends the Managed Care Reform and Patient Rights Act. Makes changes in provisions concerning flat-dollar copayment structures for prescription drug benefits. Amends the Network Adequacy and Transparency Act. Provides that the Act does not apply to an individual or group policy for excepted benefits or short-term, limited-duration health insurance coverage (instead of an individual or group policy for dental or vision insurance or a limited health service organization) with a network plan, except to the extent that federal law establishes network adequacy and transparency standards for stand-alone dental plans, which the Department shall enforce. Provides that if the Centers for Medicare and Medicaid Services establishes minimum provider ratios for stand-alone dental plans in the type of exchange in use in this State for a given plan year, the Department shall enforce those standards for stand-alone dental plans for that plan year. Requires the Department of Insurance to enforce certain appointment wait-time standards, time and distance standards, and other standards if the Centers for Medicare and Medicaid Services establishes those standards for plans in the type of exchange in use in this State. Makes other changes.
## Version chain
The bill's text revisions, in order — the diff chain from filing to enrollment.
1. **Introduced** (filed) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB3130.pdf)
2. **Engrossed** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB3130eng.pdf)
3. **Senate Amendment 001** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB3130sam001.pdf)
4. **Senate Amendment 002** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB3130sam002.pdf)
5. **Enrolled** (enrolled) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB3130enr.pdf)
## Votes
- Insurance — **100** (pass) · lower
- Insurance — **140** (pass) · lower
- Third Reading — **550** (pass) · lower
- Third Reading — **1070** (pass) · lower
- Insurance, Amendment 2 — **80** (pass) · lower
## Sponsors
- Laura Fine — primary (person)
- Robyn Gabel — primary (person)
## Timeline
The legislative action history — every referral, reading, and vote.
- **2024-02-02** Filed with Secretary by Sen. Ann Gillespie `filing`
- **2024-02-02** First Reading `reading-1`
- **2024-02-02** Referred to Assignments
- **2024-02-14** Assigned to Insurance `referral-committee`
- **2024-03-01** Senate Committee Amendment No. 1 Filed with Secretary by Sen. Ann Gillespie `amendment-introduction`
- **2024-03-01** Senate Committee Amendment No. 1 Referred to Assignments
- **2024-03-05** Senate Committee Amendment No. 1 Pursuant to Senate Rule 3-8 (b-1) this amendment will stay in Assignments
- **2024-03-06** Do Pass Insurance; 010-000-000
- **2024-03-06** Placed on Calendar Order of 2nd Reading March 7, 2024 `reading-2`
- **2024-03-12** Senate Floor Amendment No. 2 Filed with Secretary by Sen. Ann Gillespie `amendment-introduction`
- **2024-03-12** Senate Floor Amendment No. 2 Referred to Assignments
- **2024-03-20** Senate Floor Amendment No. 2 Assignments Refers to Insurance
- **2024-04-10** Senate Floor Amendment No. 2 Recommend Do Adopt Insurance; 008-000-000
- **2024-04-10** Chief Sponsor Changed to Sen. Laura Fine
- **2024-04-11** Senate Floor Amendment No. 2 Adopted; Gillespie `amendment-passage`
- **2024-04-11** Second Reading `reading-2`
- **2024-04-11** Placed on Calendar Order of 3rd Reading April 12, 2024
- **2024-04-12** Rule 2-10 Third Reading Deadline Established As April 19, 2024
- **2024-04-17** Senate Committee Amendment No. 1 Tabled Pursuant to Rule 5-4a `amendment-failure`
- **2024-04-17** Third Reading - Passed; 055-000-000 `passage, reading-3`
- **2024-04-17** Arrived in House `introduction`
- **2024-04-17** Chief House Sponsor Rep. Robyn Gabel
- **2024-04-17** First Reading `reading-1`
- **2024-04-17** Referred to Rules Committee
- **2024-04-24** Assigned to Insurance Committee `referral-committee`
- **2024-04-30** Do Pass / Short Debate Insurance Committee; 014-000-000
- **2024-05-01** Placed on Calendar 2nd Reading - Short Debate `reading-2`
- **2024-05-07** Second Reading - Short Debate `reading-2`
- **2024-05-07** Placed on Calendar Order of 3rd Reading - Short Debate
- **2024-05-16** Third Reading - Short Debate - Passed 107-000-000 `passage, reading-3`
- **2024-05-16** Passed Both Houses
- **2024-06-14** Sent to the Governor `executive-receipt`
- **2024-08-02** Governor Approved `executive-signature`
- **2024-08-02** Effective Date August 2, 2024; ; Some Provisions.
- **2024-08-02** Effective Date January 1, 2025; ; Some Provisions.
- **2024-08-02** Public Act . . . . . . . . . 103-0777 `became-law`
## Source
OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/7d1e8d5c-530f-4b00-a043-6b18e221c0a7`. Confidence: reported (aggregated from official Illinois legislature records).