IllinoisHB1865104th General Assembly (2025–2026)House

FRAUD-TARGETED INSURANCE SALES

Sponsored By: Sponsor information unavailable

Signed by Governor

Summary

Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that it is an unlawful practice for any seller of accident insurance or health insurance to solicit individuals who are residents of a nursing home or long-term care facility or individuals who are over the age of 65, unless the seller: (1) does not require a purchasing decision in the first communication to the potential enrollee; (2) advises the potential enrollee of the benefit of examining the potential enrollee's current insurance plan and discussing any changes with a family member, friend, or other advisor before making any decisions; (3) provides a phone number that may be called if the potential enrollee or the potential enrollee's family members, friends, or other advisors have any questions; and (4) allows the potential enrollee to opt out of any future communications with the seller. Provides that it is also an unlawful practice for any seller or provider of accident insurance or health insurance to enter into or amend an insurance policy with a person who: (1) is over the age of 65 and who has executed a power of attorney to give another person authority over medical decisions; or (2) has a medical condition, such as dementia, that would reduce the person's capacity to make informed decisions independently. Provides that the provision does not apply to a new insurance policy or an amendment to an insurance policy that is agreed to by a person with a lawfully executed power of attorney relating to the enrollee or potential enrollee's health or financial matters.

consumer protectionassignmentsinsurance

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Bill Overview

No Economic Impacts Identified for this Bill

Sponsors & Cosponsors

Sponsors

There is no primary sponsor on record.

Cosponsors

  • Amy Briel

    Democratic • House

  • Christopher Belt

    Democratic • Senate

  • Diane Blair-Sherlock

    Democratic • House

  • Doris Turner

    Democratic • Senate

  • Julie A. Morrison

    Democratic • Senate

  • Laura Ellman

    Democratic • Senate

  • Michael W. Halpin

    Democratic • Senate

  • Stephanie A. Kifowit

    Democratic • House

  • Sue Scherer

    Democratic • House

  • Suzy Glowiak Hilton

    Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 177 • No: 0

Senate vote • 5/21/2025

Third Reading - Passed;

Yes: 57 • No: 0

Senate vote • 4/30/2025

Do Pass Insurance;

Yes: 9 • No: 0

House vote • 4/7/2025

Third Reading - Short Debate - Passed

Yes: 104 • No: 0

House vote • 3/11/2025

Do Pass as Amended / Short Debate Consumer Protection Committee;

Yes: 7 • No: 0

Actions Timeline

  1. Public Act . . . . . . . . . 104-0055

    8/1/2025House
  2. Effective Date January 1, 2026

    8/1/2025House
  3. Governor Approved

    8/1/2025House
  4. Sent to the Governor

    6/17/2025House
  5. Passed Both Houses

    5/21/2025House
  6. Third Reading - Passed; 057-000-000

    5/21/2025Senate
  7. Added as Alternate Co-Sponsor Sen. Julie A. Morrison

    5/21/2025Senate
  8. Added as Alternate Chief Co-Sponsor Sen. Laura Ellman

    5/6/2025Senate
  9. Added as Alternate Chief Co-Sponsor Sen. Christopher Belt

    5/1/2025Senate
  10. Placed on Calendar Order of 3rd Reading May 6, 2025

    5/1/2025Senate
  11. Second Reading

    5/1/2025Senate
  12. Added as Alternate Co-Sponsor Sen. Michael W. Halpin

    5/1/2025Senate
  13. Added as Alternate Chief Co-Sponsor Sen. Suzy Glowiak Hilton

    5/1/2025Senate
  14. Placed on Calendar Order of 2nd Reading May 1, 2025

    4/30/2025Senate
  15. Do Pass Insurance; 009-000-000

    4/30/2025Senate
  16. Assigned to Insurance

    4/23/2025Senate
  17. Referred to Assignments

    4/9/2025Senate
  18. First Reading

    4/9/2025Senate
  19. Chief Senate Sponsor Sen. Doris Turner

    4/9/2025Senate
  20. Placed on Calendar Order of First Reading April 9, 2025

    4/8/2025Senate
  21. Arrive in Senate

    4/8/2025Senate
  22. Third Reading - Short Debate - Passed 104-000-000

    4/7/2025House
  23. Added Co-Sponsor Rep. Stephanie A. Kifowit

    3/18/2025House
  24. Added Chief Co-Sponsor Rep. Diane Blair-Sherlock

    3/18/2025House
  25. Added Chief Co-Sponsor Rep. Amy Briel

    3/18/2025House

Bill Text

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