# Illinois HB1234: INS RATEMAKING-AFFORDABILITY Illinois HB1234, INS RATEMAKING-AFFORDABILITY, is a 104th General Assembly (2025–2026) House bill sponsored by no sponsor on record; status passed house, last action 2025-06-02 (Senate Committee Amendment No. 1 Rule 3-9(a) / Re-referred to Assignments) (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/IL-HB1234-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Illinois HB1234 - State: Illinois - Session: 104th General Assembly (2025–2026) - Title: INS RATEMAKING-AFFORDABILITY - Status: passed house - Chamber: House - Introduced: 2025-01-10 - Last action: 2025-06-02, Senate Committee Amendment No. 1 Rule 3-9(a) / Re-referred to Assignments - Sponsors: no sponsor on record - Cosponsors: 33 - Subjects: insurance, assignments - Touches household money: no - Roll calls: 2 (81 yes, 45 no in all) - Economic provisions PRIA read: 0 ## Summary Amends the Commission on Discrimination and Hate Crimes Act. Provides that the Commission on Discrimination and Hate Crimes shall research and identify any discriminatory practices used by insurance companies in the ratemaking process for home insurance and automobile insurance, including, but not limited to, the use of zip codes, credit scores, and age in a manner that results in inequitable rates being assessed to certain populations. Provides that, beginning with the report that is due by March 30, 2026, the Commission shall include any findings and recommendations it makes concerning discriminatory practices used by insurance companies in its report to the Governor and the General Assembly. Effective immediately. ## Bill overview No economic impacts identified for this bill. ## Sponsors and cosponsors - Cosponsor: Abdelnasser Rashid (Democratic), House - Cosponsor: Adriane L. Johnson (Democratic), Senate - Cosponsor: Anne Stava (Democratic), House - Cosponsor: Barbara Hernandez (Democratic), 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: Doris Turner (Democratic), Senate - Cosponsor: Hoan Huynh (Democratic), House - Cosponsor: Javier L. Cervantes (Democratic), Senate - Cosponsor: Karina Villa (Democratic), Senate - Cosponsor: Kevin John Olickal (Democratic), House - Cosponsor: Lakesia Collins (Democratic), Senate - Cosponsor: Laura Fine (Democratic), Senate - Cosponsor: Lilian Jiménez (Democratic), House - Cosponsor: Lisa Davis (Democratic), House - Cosponsor: Mary Edly-Allen (Democratic), Senate - Cosponsor: Mattie Hunter (Democratic), Senate - Cosponsor: Mike Porfirio (Democratic), Senate - Cosponsor: Mike Simmons (Democratic), Senate - Cosponsor: Nicholas K. Smith (Democratic), House - Cosponsor: Nicolle Grasse (Democratic), House - Cosponsor: Norma Hernandez (Democratic), House - Cosponsor: Rachel Ventura (Democratic), Senate - Cosponsor: Ram Villivalam (Democratic), Senate - Cosponsor: Rita Mayfield (Democratic), House - Cosponsor: Robert F. Martwick (Democratic), Senate - Cosponsor: Sara Feigenholtz (Democratic), Senate - Cosponsor: Stephanie A. Kifowit (Democratic), House - Cosponsor: Theresa Mah (Democratic), House - Cosponsor: Willie Preston (Democratic), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-04-08 | House | Third Reading - Short Debate - Passed | pass | 70 | 39 | | | 2025-03-18 | House | Do Pass as Amended / Short Debate Insurance Committee; | pass | 11 | 6 | | ## Actions (60) - 2025-06-02: Senate Committee Amendment No. 1 Rule 3-9(a) / Re-referred to Assignments (Senate) - 2025-06-02: Rule 3-9(a) / Re-referred to Assignments (Senate) - 2025-05-27: Postponed - Insurance (Senate) - 2025-05-27: Senate Committee Amendment No. 1 Postponed - Insurance (Senate) - 2025-05-27: Senate Committee Amendment No. 1 Assignments Refers to Insurance (Senate) - 2025-05-23: Rule 2-10 Committee Deadline Established As June 1, 2025 (Senate) - 2025-05-21: Senate Committee Amendment No. 1 Referred to Assignments (Senate) - 2025-05-21: Senate Committee Amendment No. 1 Filed with Secretary by Sen. Ram Villivalam (Senate) - 2025-05-20: Assigned to Insurance (Senate) - 2025-05-20: Rule 2-10 Committee Deadline Established As May 23, 2025 (Senate) - 2025-05-13: Added as Alternate Co-Sponsor Sen. Christopher Belt (Senate) - 2025-05-07: Added as Alternate Co-Sponsor Sen. Mattie Hunter (Senate) - 2025-05-02: Added as Alternate Co-Sponsor Sen. Robert F. Martwick (Senate) - 2025-05-01: Added as Alternate Co-Sponsor Sen. Javier L. Cervantes (Senate) - 2025-04-29: Added as Alternate Chief Co-Sponsor Sen. Willie Preston (Senate) - 2025-04-29: Added as Alternate Co-Sponsor Sen. Mike Simmons (Senate) - 2025-04-25: Added as Alternate Co-Sponsor Sen. Rachel Ventura (Senate) - 2025-04-24: Added as Alternate Co-Sponsor Sen. Doris Turner (Senate) - 2025-04-24: Added as Alternate Co-Sponsor Sen. Sara Feigenholtz (Senate) - 2025-04-24: Added as Alternate Co-Sponsor Sen. Mary Edly-Allen (Senate) - 2025-04-24: Added as Alternate Co-Sponsor Sen. Karina Villa (Senate) - 2025-04-24: Added as Alternate Co-Sponsor Sen. Laura Fine (Senate) - 2025-04-23: Added as Alternate Co-Sponsor Sen. Cristina Castro (Senate) - 2025-04-23: Added as Alternate Co-Sponsor Sen. Mike Porfirio (Senate) - 2025-04-23: Added as Alternate Co-Sponsor Sen. Lakesia Collins (Senate) - 2025-04-22: Added as Alternate Co-Sponsor Sen. Adriane L. Johnson (Senate) - 2025-04-11: Alternate Chief Sponsor Changed to Sen. Ram Villivalam (Senate) - 2025-04-10: Added Co-Sponsor Rep. Camille Y. Lilly (House) - 2025-04-09: Referred to Assignments (Senate) - 2025-04-09: First Reading (Senate) - 2025-04-09: Chief Senate Sponsor Sen. Lakesia Collins (Senate) - 2025-04-09: Placed on Calendar Order of First Reading (Senate) - 2025-04-09: Arrive in Senate (Senate) - 2025-04-08: Added Co-Sponsor Rep. Hoan Huynh (House) - 2025-04-08: Added Chief Co-Sponsor Rep. Abdelnasser Rashid (House) - 2025-04-08: Third Reading - Short Debate - Passed 070-039-000 (House) - 2025-04-08: Added Co-Sponsor Rep. Dagmara Avelar (House) - 2025-04-08: Added Co-Sponsor Rep. Nicholas K. Smith (House) - 2025-04-07: Added Co-Sponsor Rep. Anne Stava (House) - 2025-04-07: Added Co-Sponsor Rep. Nicolle Grasse (House) - 2025-04-04: Added Co-Sponsor Rep. Kevin John Olickal (House) - 2025-04-04: Added Co-Sponsor Rep. Theresa Mah (House) - 2025-04-04: Added Co-Sponsor Rep. Barbara Hernandez (House) - 2025-04-03: Added Co-Sponsor Rep. Stephanie A. Kifowit (House) - 2025-04-03: Added Co-Sponsor Rep. Lisa Davis (House) - 2025-04-03: Added Co-Sponsor Rep. Norma Hernandez (House) - 2025-04-02: Added Co-Sponsor Rep. Carol Ammons (House) - 2025-03-25: Placed on Calendar Order of 3rd Reading - Short Debate (House) - 2025-03-25: Second Reading - Short Debate (House) - 2025-03-19: Placed on Calendar 2nd Reading - Short Debate (House) - 2025-03-18: Do Pass as Amended / Short Debate Insurance Committee; 011-006-000 (House) - 2025-03-18: House Committee Amendment No. 1 Adopted in Insurance Committee; by Voice Vote (House) - 2025-03-18: House Committee Amendment No. 1 Rules Refers to Insurance Committee (House) - 2025-03-13: House Committee Amendment No. 1 Referred to Rules Committee (House) - 2025-03-13: House Committee Amendment No. 1 Filed with Clerk by Rep. Rita Mayfield (House) - 2025-02-27: Added Co-Sponsor Rep. Lilian Jiménez (House) - 2025-02-11: Assigned to Insurance Committee (House) - 2025-01-28: Referred to Rules Committee (House) - 2025-01-28: First Reading (House) - 2025-01-10: Filed with the Clerk by Rep. Rita Mayfield (House) ## Bill text - Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1234eng.pdf) - House Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1234ham001.pdf) - Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1234.pdf) - Senate Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1234sam001.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/10400HB1234eng.pdf) - [House Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1234ham001.pdf) - [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1234.pdf) - [Senate Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1234sam001.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) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/IL-HB1234-2025-2026 (as of 2026-11-01).