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IllinoisHB1865104th General Assembly (2025–2026)HouseWALLET

FRAUD-TARGETED INSURANCE SALES

Sponsored By: Sue Scherer (Democratic)

Became Law

consumer protectionassignmentsinsurance

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Bill Overview

Analyzed Economic Effects

4 provisions identified: 4 benefits, 0 costs, 0 mixed.

Family approval before moving dementia residents

Nursing homes and long-term care facilities cannot make big, disruptive changes or move a resident with dementia or reduced decision-making capacity without prior approval from a family member, guardian, or power of attorney. This protects residents and families from sudden relocations and service changes.

No discriminatory insurance rates or treatment

Insurers cannot treat people differently because of race, color, religion, or national origin in many types of insurance. Auto insurers cannot charge higher premiums because of a driver’s disability or those protected traits. These rules cover both pricing and underwriting.

Stronger protections on senior insurance sales

The law sets guardrails for selling accident or health insurance to people 65+ and nursing home residents. Sellers must tell you to review your current plan and talk with a family member or advisor, then wait 48 hours before making changes. They must give a phone number for questions and let you opt out of future contacts. If you are over 65 with a health care power of attorney or reduced capacity, your agent must sign and the agreement must be in writing. The Department of Insurance can hold a hearing and void policies made in violation of these rules.

Tougher enforcement of unfair insurance practices

The law bans insurer agreements that boycott, coerce, or intimidate and harm competition. Acts already barred in law now clearly count as unfair or deceptive insurance practices. Insurers that often ignore the Unclaimed Life Insurance Benefits Act also commit an unfair practice. Regulators can use these rules to protect consumers and beneficiaries.

Sponsors & Cosponsors

Sponsor

  • Sue Scherer

    Democratic • House

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

  • 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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