All Roll Calls
Yes: 471 • No: 4
IllinoisHB2785104th General Assembly (2025–2026)HouseWALLET
CREDIT UNIONS-VARIOUS
Sponsored By: Martin J. Moylan (Democratic)
Became Law
financial institutions and licensingassignmentsexecutiveinsurance
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 1 benefits, 0 costs, 2 mixed.
Lower out-of-network ground ambulance costs
Beginning January 1, 2027, new or renewed policies must cover emergency and urgent ground ambulance rides. If the ambulance is out of network, you pay no more than the smallest of: your ER copay, your ER coinsurance share, or 10% of the recognized amount. If your in-network share is a flat copay, that copay applies unless the total bill is lower. After your share, the insurer must pay the provider using set rules: the local government rate if one applies, or otherwise the lesser of a negotiated rate, 85% of billed charges, or the provider’s filed average gross charge rate. Ambulance providers must file average charge data each year starting October 1, 2026, and the state posts it by January 1 each year. State rules override any conflicting local payment ordinances.
No surprise bills for emergency care
You pay no more than in-network costs if you get emergency care from an out-of-network provider or ER. At an in-network facility, if an out-of-network anesthesiologist, radiologist, or other ancillary clinician treats you, you also pay in-network costs. For other nonemergency out-of-network services at an in-network facility, higher charges are allowed only if you got and signed the required federal notice and consent. Your insurer sends you a written explanation of benefits and pays the provider directly. Air ambulances and short-term or excepted-benefit plans are not covered by these protections. Ground ambulances are handled under separate rules in this law.
Faster arbitration for payment disputes
Insurers must send an initial payment or denial with a written explanation within 30 days after getting a bill. If no deal is reached within 30 days after that explanation, either side can start binding arbitration. The Department keeps a list of approved arbitrators; if the sides cannot agree, each may strike two names from a list of five. The arbitrator decides from written filings and issues a binding decision within 45 days. Interest starts 30 days after the decision and never later than 150 days from the provider’s billing date.
Sponsors & Cosponsors
Sponsor
Martin J. Moylan
Democratic • House
Cosponsors
Anthony DeLuca
Democratic • House
Dave Vella
Democratic • House
Hoan Huynh
Democratic • House
Jay Hoffman
Democratic • House
Joyce Mason
Democratic • House
Linda Holmes
Democratic • Senate
Margaret Croke
Democratic • House
Mary Gill
Democratic • House
Michael J. Kelly
Democratic • House
Natalie A. Manley
Democratic • House
Ram Villivalam
Democratic • Senate
Rick Ryan
Democratic • House
Roll Call Votes
House vote • 5/31/2025
Senate Committee Amendment No. 1 House Concurs
Yes: 116 • No: 0
House vote • 5/31/2025
Senate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Insurance Committee;
Yes: 17 • No: 0
House vote • 5/31/2025
Senate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Insurance Committee;
Yes: 17 • No: 0
House vote • 5/31/2025
Senate Floor Amendment No. 3 House Concurs
Yes: 116 • No: 0
Senate vote • 5/30/2025
Third Reading - Passed;
Yes: 57 • No: 0
Senate vote • 5/29/2025
Senate Floor Amendment No. 3 Recommend Do Adopt Executive;
Yes: 12 • No: 0
Senate vote • 5/15/2025
Do Pass as Amended Executive;
Yes: 9 • No: 4
House vote • 4/11/2025
Third Reading - Short Debate - Passed
Yes: 115 • No: 0
House vote • 3/11/2025
Do Pass as Amended / Short Debate Financial Institutions and Licensing Committee;
Yes: 12 • No: 0
Actions Timeline
Public Act . . . . . . . . . 104-0248
8/15/2025HouseEffective Date August 15, 2025
8/15/2025HouseGovernor Approved
8/15/2025HouseSent to the Governor
6/24/2025HousePassed Both Houses
5/31/2025HouseHouse Concurs
5/31/2025HouseSenate Floor Amendment No. 3 House Concurs 116-000-000
5/31/2025HouseSenate Committee Amendment No. 1 House Concurs 116-000-000
5/31/2025HouseSenate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Insurance Committee; 017-000-000
5/31/2025HouseSenate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Insurance Committee; 017-000-000
5/31/2025HouseSenate Floor Amendment No. 3 Motion to Concur Rules Referred to Insurance Committee
5/31/2025HouseSenate Committee Amendment No. 1 Motion to Concur Rules Referred to Insurance Committee
5/31/2025HouseSenate Floor Amendment No. 3 Motion to Concur Referred to Rules Committee
5/30/2025HouseSenate Committee Amendment No. 1 Motion to Concur Referred to Rules Committee
5/30/2025HouseSenate Floor Amendment No. 3 Motion Filed Concur Rep. Martin J. Moylan
5/30/2025HouseSenate Committee Amendment No. 1 Motion Filed Concur Rep. Martin J. Moylan
5/30/2025HousePlaced on Calendar Order of Concurrence Senate Amendment(s) 1, 3
5/30/2025HouseArrived in House
5/30/2025HouseSenate Floor Amendment No. 2 Tabled Pursuant to Rule 5-4(a)
5/30/2025SenateThird Reading - Passed; 057-000-000
5/30/2025SenatePlaced on Calendar Order of 3rd Reading
5/30/2025SenateSenate Floor Amendment No. 3 Adopted; Villivalam
5/30/2025SenateRecalled to Second Reading
5/30/2025SenateSenate Floor Amendment No. 3 Recommend Do Adopt Executive; 012-000-000
5/29/2025SenateAdded as Alternate Chief Co-Sponsor Sen. Linda Holmes
5/29/2025Senate
Bill Text
Engrossed
Enrolled
House Amendment 1
Introduced
Senate Amendment 1
Senate Amendment 2
Senate Amendment 3