All Roll Calls
Yes: 471 • No: 4
IllinoisHB2785104th General Assembly (2025–2026)HouseWALLET
CREDIT UNIONS-VARIOUS
Sponsored By: Sponsor information unavailable
Signed by Governor
Summary
Amends the Illinois Credit Union Act. Authorizes a credit union to furnish information to any person on a list submitted and periodically updated by a member who is an elderly person or person with a disability or to specified other persons, if there is suspicion by the credit union that the member has been or may become a victim of financial exploitation. Provides that the board of directors of a credit union with a composite rating of either 1 or 2 under the Uniform Financial Institutions Rating System known as the CAMELS supervisory rating system and a management rating under such composite rating of either 1 or 2 may meet not less than 4 (instead of 6) times annually. Provides that the supervisory committee of a credit union with assets of less than $10,000,000 may, at its option, engage (instead of a credit union with assets of $5,000,000 or more, but less than $10,000,000 shall engage) a licensed certified public accountant or licensed certified public accounting firm to perform specified auditing and other services. Permits the merger of credit unions, without meeting certain voting and notice requirements, where supervisory concerns exist and upon agreement of the boards of directors of the merging and continuing credit unions, as confirmed by a majority vote of the directors present at a meeting of each board at which a quorum is present. Makes other changes.
financial institutions and licensingassignmentsexecutiveinsurance
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 2 benefits, 0 costs, 1 mixed.
Direct ambulance payments limit patient bills
Beginning January 1, 2027, insurers must pay out-of-network ground ambulance providers that reasonably request payment, after subtracting patient cost sharing. Where local government has jurisdiction, its set or approved rate applies. Otherwise, payment is the lowest of the negotiated rate, 85% of billed charges, or the applicable average gross charge filed with the state health department. Providers accepting payment cannot collect more from patients than their deductible, copayment, or coinsurance. Covered benefits are assigned and paid directly to the provider or its facility, with a written explanation showing proposed reimbursement and patient costs. Illinois home rule governments cannot impose ground ambulance payment rules that conflict with this law.
More coverage and ambulance cost protections
Group and individual health policies amended, delivered, issued, or renewed starting January 1, 2027, must cover emergency and urgent ground ambulance services. A health professional must certify urgent rides as medically necessary and needed within 12 hours after certification. For out-of-network rides, patient costs cannot exceed in-network costs. Unless state or federal law provides otherwise, cost sharing is the lower of the policy’s emergency-room copayment or coinsurance and 10% of the recognized amount. A flat in-network copayment applies when applicable, unless the provider’s total bill is lower. These rules exclude air ambulances, excepted-benefit policies, and short-term, limited-duration health plans.
Public ambulance rates bring reporting duties
Beginning October 1, 2026, out-of-network ground ambulance providers must report average gross charges annually to Illinois’ health department. Reports cover specified base service charges and loaded mileage, plus any other information the department requires. The department must make the rates public by January 1, 2027, and every January 1 afterward. It may charge providers fees capped at the administrative cost of reporting and publication.
Sponsors & Cosponsors
Sponsors
There is no primary sponsor on record.
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
Martin J. Moylan
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 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
House vote • 5/31/2025
Senate Committee Amendment No. 1 House Concurs
Yes: 116 • No: 0
House vote • 5/31/2025
Senate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Insurance Committee;
Yes: 17 • 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
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