# Illinois HB1085: INS CD-MENTAL HEALTH PARITY

Illinois HB1085, INS CD-MENTAL HEALTH PARITY, is a 104th General Assembly (2025–2026) House bill sponsored by no sponsor on record; status signed, last action 2025-12-12 (Public Act . . . . . . . . . 104-0446); PRIA reads it as touching household money (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/IL-HB1085-2025-2026
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Illinois HB1085
- State: Illinois
- Session: 104th General Assembly (2025–2026)
- Title: INS CD-MENTAL HEALTH PARITY
- Status: signed
- Chamber: House
- Introduced: 2025-01-02
- Last action: 2025-12-12, Public Act . . . . . . . . . 104-0446
- Sponsors: no sponsor on record
- Cosponsors: 90
- Subjects: mental health & addiction, assignments, executive
- Touches household money: yes
- Roll calls: 9 (336 yes, 94 no in all)
- Economic provisions PRIA read: 6

## Summary

Amends the Illinois Insurance Code. Establishes reimbursement rates for mental health and substance use disorder treatment services for all group or individual policies of accident and health insurance or managed care plans that are amended, delivered, issued, or renewed on or after January 1, 2027 or for any contracted third party administering the behavioral health benefits for the insurer. Requires a group or individual policy of accident and health insurance or managed care plan that is amended, delivered, issued, or renewed on or after January 1, 2026 or any contracted third party administering the behavioral health benefits for the insurer to cover certain medically necessary mental health and substance use disorder treatment services. Provides that, if the Department of Insurance determines that an insurer or a contracted third party administering the behavioral health benefits for the insurer has violated a provision concerning mental health and substance use parity, the Department shall by order assess a civil penalty of $1,000 for each violation. Excludes certain health care plans serving Medicaid populations who are enrolled under the Illinois Public Aid Code or under the Children's Health Insurance Program Act from provisions concerning mental health and substance use parity. Requires the Department to review the impact of the proposed mental health and substance abuse mandate on network adequacy for mental health and substance use disorder treatment and access to affordable mental health and substance use care. Permits the Department to examine out-of-network utilization and out-of-pocket costs for insureds for mental health and substance use treatment and services for all plans to compare with in-network utilization. Amends the State Employees Group Insurance Act of 1971, the Counties Code, the Illinois Municipal Code, and the School Code to require coverage under those provisions. Effective immediately.

## Bill overview: provisions PRIA read

- Covered care while providers join networks: benefit, medium. These rules apply to covered plans amended, delivered, issued, or renewed beginning January 1, 2027, excluding Medicaid and CHIP. Plans must pay contracted rates for medically necessary behavioral health care given between a completed application and the contract’s effective date. The provider must…
- Minimum payments for behavioral health providers: benefit, medium. Covered plans amended, delivered, issued, or renewed beginning January 1, 2027 must meet minimum in-network behavioral health payment rates. These cover Illinois providers and facilities, including inpatient, outpatient, office, and residential care; Medicaid and CHIP plans are excluded. Based on t…
- More covered mental health care options: benefit, medium. These protections apply to covered plans amended, delivered, issued, or renewed beginning January 1, 2027, excluding Medicaid and CHIP. Plans must cover all medically necessary same-day mental health or substance use services, whether inpatient or outpatient. This includes care from the same or dif…
- Stronger health coverage for public employees: benefit, medium. The law takes effect June 1, 2026. Covered county, municipal, and school employee plans must follow state mental health and substance use coverage protections. This includes the new requirements that apply to plans amended, delivered, issued, or renewed beginning January 1, 2027. Self-insured count…
- Enforcement backs patients’ behavioral health protections: benefit, low. Illinois insurance regulators can enforce the new behavioral health protections through $1,000 penalties per violation against insurers or their administrators. Regulators must first give notice and an opportunity for a hearing; these are not fines on patients. The Department of Insurance must adop…
- Faster network reviews for behavioral providers: benefit, low. These rules apply to covered plans amended, delivered, issued, or renewed beginning January 1, 2027, excluding Medicaid and CHIP. Plans and their administrators must finish the contracting process, including credential checks, within 60 days of receiving a completed application. This deadline does…

## Sponsors and cosponsors

- Cosponsor: Abdelnasser Rashid (Democratic), House
- Cosponsor: Adriane L. Johnson (Democratic), Senate
- Cosponsor: Angelica Guerrero-Cuellar (Democratic), House
- Cosponsor: Ann M. Williams (Democratic), House
- Cosponsor: Anna Moeller (Democratic), House
- Cosponsor: Anne Stava (Democratic), House
- Cosponsor: Anthony DeLuca (Democratic), House
- Cosponsor: Barbara Hernandez (Democratic), House
- Cosponsor: Bill Cunningham (Democratic), Senate
- Cosponsor: Bob Morgan (Democratic), House
- Cosponsor: Brad Stephens (Republican), House
- Cosponsor: Camille Y. Lilly (Democratic), House
- Cosponsor: Carol Ammons (Democratic), House
- Cosponsor: Christopher Belt (Democratic), Senate
- Cosponsor: Cristina Castro (Democratic), Senate
- Cosponsor: Dagmara Avelar (Democratic), House
- Cosponsor: Dave Vella (Democratic), House
- Cosponsor: David Koehler (Democratic), Senate
- Cosponsor: Debbie Meyers-Martin (Democratic), House
- Cosponsor: Don Harmon (Democratic), Senate
- Cosponsor: Emanuel "Chris" Welch (Democratic), House
- Cosponsor: Graciela Guzmán (Democratic), Senate
- Cosponsor: Gregg Johnson (Democratic), House
- Cosponsor: Harry Benton (Democratic), House
- Cosponsor: Hoan Huynh (Democratic), House
- Cosponsor: Jaime M. Andrade, Jr. (Democratic), House
- Cosponsor: Janet Yang Rohr (Democratic), House
- Cosponsor: Javier L. Cervantes (Democratic), Senate
- Cosponsor: Jay Hoffman (Democratic), House
- Cosponsor: Jehan Gordon-Booth (Democratic), House
- Cosponsor: John M. Cabello (Republican), House
- Cosponsor: Joyce Mason (Democratic), House
- Cosponsor: Karina Villa (Democratic), Senate
- Cosponsor: Katie Stuart (Democratic), House
- Cosponsor: Kelly M. Cassidy (Democratic), House
- Cosponsor: Kevin John Olickal (Democratic), House
- Cosponsor: Kevin Schmidt (Republican), House
- Cosponsor: Kimberly A. Lightford (Democratic), Senate
- Cosponsor: La Shawn K. Ford (Democratic), House
- Cosponsor: Lakesia Collins (Democratic), Senate
- Cosponsor: Laura Ellman (Democratic), Senate
- Cosponsor: Laura Faver Dias (Democratic), House
- Cosponsor: Laura Fine (Democratic), Senate
- Cosponsor: Laura M. Murphy (Democratic), Senate
- Cosponsor: Lawrence "Larry" Walsh, Jr. (Democratic), House
- Cosponsor: Lilian Jiménez (Democratic), House
- Cosponsor: Lindsey LaPointe (Democratic), House
- Cosponsor: Lisa Davis (Democratic), House
- Cosponsor: Margaret A. DeLaRosa (Democratic), House
- Cosponsor: Mark L. Walker (Democratic), Senate
- Cosponsor: Martha Deuter (Democratic), House
- Cosponsor: Mary Beth Canty (Democratic), House
- Cosponsor: Mary Edly-Allen (Democratic), Senate
- Cosponsor: Mary Gill (Democratic), House
- Cosponsor: Matt Hanson (Democratic), House
- Cosponsor: Mattie Hunter (Democratic), Senate
- Cosponsor: Maura Hirschauer (Democratic), House
- Cosponsor: Maurice A. West, II (Democratic), House
- Cosponsor: Meg Loughran Cappel (Democratic), Senate
- Cosponsor: Michael Crawford (Democratic), House
- Cosponsor: Michael J. Kelly (Democratic), House
- Cosponsor: Michelle Mussman (Democratic), House
- Cosponsor: Mike Porfirio (Democratic), Senate
- Cosponsor: Mike Simmons (Democratic), Senate
- Cosponsor: Nabeela Syed (Democratic), House
- Cosponsor: Nicole La Ha (Republican), House
- Cosponsor: Nicolle Grasse (Democratic), House
- Cosponsor: Norma Hernandez (Democratic), House
- Cosponsor: Patrick J. Joyce (Democratic), Senate
- Cosponsor: Paul Faraci (Democratic), Senate
- Cosponsor: Rachel Ventura (Democratic), Senate
- Cosponsor: Ram Villivalam (Democratic), Senate
- Cosponsor: Rick Ryan (Democratic), House
- Cosponsor: Robert "Bob" Rita (Democratic), House
- Cosponsor: Robert F. Martwick (Democratic), Senate
- Cosponsor: Robert Peters (Democratic), Senate
- Cosponsor: Robyn Gabel (Democratic), House
- Cosponsor: Ryan Spain (Republican), House
- Cosponsor: Sara Feigenholtz (Democratic), Senate
- Cosponsor: Sharon Chung (Democratic), House
- Cosponsor: Sonya M. Harper (Democratic), House
- Cosponsor: Stephanie A. Kifowit (Democratic), House
- Cosponsor: Sue Scherer (Democratic), House
- Cosponsor: Suzanne M. Ness (Democratic), House
- Cosponsor: Suzy Glowiak Hilton (Democratic), Senate
- Cosponsor: Terra Costa Howard (Democratic), House
- Cosponsor: Theresa Mah (Democratic), House
- Cosponsor: Tracy Katz Muhl (Democratic), House
- Cosponsor: Will Guzzardi (Democratic), House
- Cosponsor: Yolonda Morris (Democratic), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-10-30 | House | Senate Committee Amendment No. 1 House Concurs | pass | 86 | 19 | 1 |
| 2025-10-30 | House | Senate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Rules Committee; | pass | 3 | 2 |   |
| 2025-10-30 | House | Senate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Rules Committee; | pass | 3 | 2 |   |
| 2025-10-30 | House | Senate Floor Amendment No. 3 House Concurs | pass | 86 | 19 | 1 |
| 2025-10-30 | Senate | Senate Floor Amendment No. 3 Recommend Do Adopt Executive; | pass | 11 | 2 |   |
| 2025-10-30 | Senate | Third Reading - Passed; | pass | 48 | 10 |   |
| 2025-05-30 | Senate | Do Pass as Amended Executive; | pass | 10 | 2 |   |
| 2025-04-07 | House | Third Reading - Short Debate - Passed | pass | 72 | 33 |   |
| 2025-03-06 | House | Do Pass as Amended / Short Debate Mental Health & Addiction Committee; | pass | 17 | 5 |   |

## Bill text

- Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1085eng.pdf)
- Enrolled: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1085enr.pdf)
- House Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1085ham001.pdf)
- Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1085.pdf)
- Senate Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1085sam001.pdf)
- Senate Amendment 2: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1085sam002.pdf)
- Senate Amendment 3: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1085sam003.pdf)

## Related bills

- HB5198: AFFORDABLE HOUSING-CILAS (passed house)
- SB1937: PENSION CODE-VARIOUS (passed senate)
- HB2563: CONDO-RESERVE STUDY (in committee)
- HB4701: LIMITATIONS FACILITY FEES ACT (in committee)
- SB3008: DHS-ABLE PROGRAM INFO MATERIAL (passed senate)
- SB3484: VEH CD-PLATES-REGISTRATION (signed)

## Sources
- [Engrossed (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1085eng.pdf)
- [Enrolled (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1085enr.pdf)
- [House Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1085ham001.pdf)
- [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1085.pdf)
- [Senate Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1085sam001.pdf)
- [Senate Amendment 2 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1085sam002.pdf)
- [Senate Amendment 3 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1085sam003.pdf)

## Related
- [HB5198: AFFORDABLE HOUSING-CILAS](https://policyrisk.com/state-bill/IL-HB5198-2025-2026)
- [SB1937: PENSION CODE-VARIOUS](https://policyrisk.com/state-bill/IL-SB1937-2025-2026)
- [HB2563: CONDO-RESERVE STUDY](https://policyrisk.com/state-bill/IL-HB2563-2025-2026)
- [HB4701: LIMITATIONS FACILITY FEES ACT](https://policyrisk.com/state-bill/IL-HB4701-2025-2026)
- [SB3008: DHS-ABLE PROGRAM INFO MATERIAL](https://policyrisk.com/state-bill/IL-SB3008-2025-2026)
- [SB3484: VEH CD-PLATES-REGISTRATION](https://policyrisk.com/state-bill/IL-SB3484-2025-2026)
- [Illinois bills](https://policyrisk.com/states/illinois/bills)
- [Illinois state hub](https://policyrisk.com/states/illinois)
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Source: PRIA, https://policyrisk.com/state-bill/IL-HB1085-2025-2026 (as of 2026-11-01).