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IllinoisHB2464104th General Assembly (2025–2026)HouseWALLET

INS-HEALTH/NEONATAL COST SHARE

Sponsored By: Laura Faver Dias (Democratic)

Became Law

health care availability & accessibilityassignmentsinsurance

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

No surprise costs for emergency and hospital specialists

Beginning January 1, 2024, you pay no more than in-network amounts for emergency care, even if the ER or doctor is out of network. When you use an in-network hospital, and an out-of-network specialist (like anesthesia, radiology, pathology, or neonatology) treats you, your costs are the same as in-network. Your copays, coinsurance, and deductible are calculated as if the provider was in-network. This protects you from surprise higher bills after emergencies or hospital visits.

Clear rules for cost sharing and ancillary care

Beginning January 1, 2024, the law clarifies what counts as your cost sharing: copays, coinsurance, and deductibles. It excludes your premiums, balance bills, and costs for services your plan does not cover. The law also defines "ancillary services," including anesthesiology, radiology, pathology, neonatology, hospitalists, assistant surgeons, intensivists, and most diagnostic tests. These definitions make clear which services must follow the in-network cost rules when an out-of-network clinician treats you at an in-network facility.

Sponsors & Cosponsors

Sponsor

  • Laura Faver Dias

    Democratic • House

Cosponsors

  • Barbara Hernandez

    Democratic • House

  • Camille Y. Lilly

    Democratic • House

  • Dagmara Avelar

    Democratic • House

  • Hoan Huynh

    Democratic • House

  • Laura Fine

    Democratic • Senate

  • Michael Crawford

    Democratic • House

  • Nabeela Syed

    Democratic • House

  • Natalie A. Manley

    Democratic • House

  • Nicolle Grasse

    Democratic • House

  • Norma Hernandez

    Democratic • House

  • Robert "Bob" Rita

    Democratic • House

  • Sharon Chung

    Democratic • House

  • Yolonda Morris

    Democratic • House

Roll Call Votes

All Roll Calls

Yes: 171 • No: 35

Senate vote • 5/21/2025

Third Reading - Passed;

Yes: 57 • No: 0

Senate vote • 5/7/2025

Do Pass Insurance;

Yes: 8 • No: 4

House vote • 4/11/2025

Third Reading - Short Debate - Passed

Yes: 84 • No: 30

House vote • 4/8/2025

House Floor Amendment No. 1 Recommends Be Adopted Health Care Availability & Accessibility Committee;

Yes: 12 • No: 0

House vote • 3/18/2025

Do Pass / Short Debate Health Care Availability & Accessibility Committee;

Yes: 10 • No: 1

Actions Timeline

  1. Public Act . . . . . . . . . 104-0060

    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. Placed on Calendar Order of 3rd Reading May 13, 2025

    5/8/2025Senate

  8. Second Reading

    5/8/2025Senate

  9. Placed on Calendar Order of 2nd Reading May 8, 2025

    5/7/2025Senate

  10. Do Pass Insurance; 008-004-000

    5/7/2025Senate

  11. Assigned to Insurance

    4/29/2025Senate

  12. Referred to Assignments

    4/29/2025Senate

  13. First Reading

    4/29/2025Senate

  14. Chief Senate Sponsor Sen. Laura Fine

    4/29/2025Senate

  15. Placed on Calendar Order of First Reading April 29, 2025

    4/14/2025Senate

  16. Arrive in Senate

    4/14/2025Senate

  17. Added Co-Sponsor Rep. Norma Hernandez

    4/11/2025House

  18. Added Co-Sponsor Rep. Sharon Chung

    4/11/2025House

  19. Added Co-Sponsor Rep. Yolonda Morris

    4/11/2025House

  20. Third Reading - Short Debate - Passed 084-030-000

    4/11/2025House

  21. Placed on Calendar Order of 3rd Reading - Short Debate

    4/11/2025House

  22. House Floor Amendment No. 1 Adopted

    4/11/2025House

  23. House Floor Amendment No. 1 Recommends Be Adopted Health Care Availability & Accessibility Committee; 012-000-000

    4/8/2025House

  24. House Floor Amendment No. 1 Rules Refers to Health Care Availability & Accessibility Committee

    4/8/2025House

  25. House Floor Amendment No. 1 Referred to Rules Committee

    4/7/2025House

Bill Text

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