# Illinois HB3800: INSURANCE-VARIOUS Illinois HB3800, INSURANCE-VARIOUS, is a 104th General Assembly (2025–2026) House bill sponsored by no sponsor on record; status signed, last action 2025-08-15 (Public Act . . . . . . . . . 104-0334); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/IL-HB3800-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Illinois HB3800 - State: Illinois - Session: 104th General Assembly (2025–2026) - Title: INSURANCE-VARIOUS - Status: signed - Chamber: House - Introduced: 2025-02-07 - Last action: 2025-08-15, Public Act . . . . . . . . . 104-0334 - Sponsors: no sponsor on record - Cosponsors: 3 - Subjects: insurance, assignments - Touches household money: yes - Roll calls: 7 (282 yes, 58 no in all) - Economic provisions PRIA read: 20 ## Summary Amends the Burn Victims Relief Act. Dissolves the George Bailey Memorial Fund on June 30, 2025, or as soon thereafter as practical, and assigns any future deposits due to that Fund to the General Revenue Fund. Amends the Illinois Insurance Code. Requires every company licensed to do business in this State that is transacting the kind or kinds of business under Class 1, 2, or 3, as defined in the Code, to establish a customer affairs and information department to respond to policyholder inquiries and complaints. In provisions concerning kinds of agreements requiring approval, provides that the Director of Insurance has the right to request additional filing review and approval of all contracts that contribute to the statutory threshold trigger. Removes provisions concerning a working group related to the treatment and coverage of mental, emotional, nervous, or substance use disorders. Makes other changes. Amends the Dental Care Patient Protection Act. Makes changes concerning preemption of provisions. Amends the Health Maintenance Organization Act. Provides that health maintenance organizations are subject to provisions of the Illinois Insurance Code requiring coverage for certain at-home pregnancy tests and certain medically necessary treatments to address a major injury to the jaw. Amends the Network Adequacy and Transparency Act to make technical and combining changes to conform the changes made by Public Act 103-777 and 103-650. Amends the Limited Health Service Organization Act to make conforming changes. Amends the Criminal Code of 2012. Changes the definition of "insurance company". Effective immediately, except that certain changes to the Illinois Insurance Code are effective January 1, 2026 and certain other changes to the Illinois Insurance Code are effective 60 days after becoming law. ## Bill overview: provisions PRIA read - More accurate provider directories for patients: benefit, medium. Insurers must provide searchable public online directories and printed directories on request, with provider details and instructions for disputing charges from incorrect listings. Listings include populations served, appointment availability, supplied digital contacts, and confirmed departure date… - Faster access to behavioral health care: benefit, medium. Plans must use comparable network-access processes for mental health, substance use treatment, and medical or surgical care. Outpatient travel limits are 30 minutes or 30 miles in Cook, DuPage, Kane, Lake, McHenry, and Will counties. Elsewhere, the limit is 60 minutes or 60 miles; inpatient and res… - In-network costs when networks fall short: benefit, medium. Covered emergency care costs no more because the provider is outside your network. Other covered care also gets in-network costs when an appropriate preferred provider is unavailable despite your good-faith search. You must check the directory, call the plan, and call the provider. Provider shortag… - Marketplace plans must include community providers: benefit, medium. Individual and small-group marketplace insurers must show that their networks include essential community providers. The same requirement applies to matching plans sold outside the Illinois marketplace. Insurers must meet the marketplace's rules for each plan year. - More in-network specialists at hospitals: benefit, medium. Beginning January 1, 2026, insurers must show that each in-network hospital has four types of preferred specialists. Each hospital must have at least one radiologist, pathologist, anesthesiologist, and emergency room physician in that role. The Illinois Department of Insurance can require additiona… - Stronger provider access standards for patients: benefit, medium. Network plans must meet minimum provider ratios and travel, distance, and appointment-wait standards at least as protective as applicable federal rules. Federal requirements reach large-group and off-Exchange plans; federal standards also govern when no applicable Illinois rule exists. The separate… - Current printed directories and regular audits: benefit, low. Insurers must give current printed provider directories or requested directory information to members and people considering coverage. Printed directories need updates and correction sheets at least every 90 days, unless they match the online directory when printed. Insurers must also audit each pl… - Faster fixes to provider directory errors: benefit, low. Providers must report directory changes within 10 business days; plans must update listings within 2 business days after notice. Providers have 20 business days to report new-patient limits expected to last at least 40 business days. When an insurer or the state finds a wrongly listed provider, the… - Closer checks on shrinking provider networks: benefit, low. Before issuing, delivering, or renewing plans, insurers must file provider, service, referral, enrollment, directory, and access information for state review. Filings must explain round-the-clock access to primary, emergency, and obstetric and gynecological care. A county's loss of at least 10% of… - Stronger treatment and advocacy protections: benefit, low. Ongoing treatment includes serious or complex conditions, inpatient care, terminal illness treatment, and repeated services under a provider's treatment plan. It also includes scheduled nonelective surgery and that provider's care before and after surgery. Insurers cannot stop preferred providers f… - Criminal insurance rules cover more organizations: benefit, low. Illinois criminal law uses a broader definition of an insurance company. It includes insurance-code companies, dental service plans, health maintenance organizations, limited health service organizations, and health services plans. It also includes trusts under the state’s religious and charitable… - More insurance rules cover health plans: benefit, low. Health maintenance organizations and limited health service organizations must follow additional Illinois insurance-code rules. This does not require limited health plans to cover services outside their limited scope. The listed changes do not describe the added rules, so they do not establish spec… - Closer financial checks on insurance companies: benefit, low. Before authorizing an insurer, the state must find that its leaders have enough experience and no identified financial concerns threaten solvency or needed capital. For Class 2 and Class 3 insurers, reinsurance review uses net unearned premium reserves for existing business not already reinsured. T… - Shorter payment clawback window for providers: benefit, low. Insurers, HMOs, independent practice associations, and physician hospital organizations generally cannot recover provider payments 12 months or more after payment. This replaces the prior 18-month limit. Exceptions include formal fraud or material-misrepresentation findings, specified Comprehensive… - Safety-net hospitals avoid insurance purchase taxes: benefit, low. Qualifying Safety-Net Hospitals are exempt from reporting, tax, and countersigning-fee duties for covered insurance bought directly from unauthorized insurers. The hospital must also qualify as an industrial insured. Safety-Net Hospital status follows the Illinois Public Aid Code definition. - Insurers can seek network access exceptions: cost, low. Insurers unable to meet provider, travel, or appointment standards can request state approval to operate below those standards. Grounds include unavailable providers, local care patterns that do not support required provider numbers, or another state-approved circumstance. For unavailable providers… - Public adjusters pay two-year license fees: cost, low. Public adjuster license applicants who live in Illinois pay $250 every two years. Applicants who live outside Illinois pay $500 every two years. These are licensing charges for adjusters, not fees charged directly to insurance customers. - Business insurance purchases carry filing duties: cost, low. These rules cover Illinois-home-state industrial insureds buying Class 2 or Class 3 coverage directly from unauthorized insurers. They must use a qualified risk manager, buy without an insurance producer, and qualify as exempt commercial purchasers. Except for qualifying Safety-Net Hospitals, they… - Dental network protections have separate limits: mixed, low. Stand-alone dental plans are outside Illinois's Network Adequacy and Transparency Act, but the state must enforce applicable federal standards. This includes applicable federal appointment-wait rules. Federal provider-ratio and travel standards apply when established for Illinois's marketplace type… - Stronger network checks with limited exceptions: mixed, low. Insurers must report major network changes and file revised documents showing those changes within 15 business days, or face fines of $5,000 per late day. Insurers unable to meet provider, travel, or appointment standards can request exceptions, with a legal basis and supporting information. The st… ## Sponsors and cosponsors - Cosponsor: Bob Morgan (Democratic), House - Cosponsor: Julie A. Morrison (Democratic), Senate - Cosponsor: Thaddeus Jones (Democratic), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-05-31 | House | Senate Committee Amendment No. 1 House Concurs | pass | 114 | 0 | | | 2025-05-29 | House | Senate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Insurance Committee; | pass | 15 | 0 | | | 2025-05-22 | Senate | Third Reading - Passed; | pass | 46 | 10 | | | 2025-05-07 | Senate | Do Pass as Amended Insurance; | pass | 12 | 0 | | | 2025-04-10 | House | Third Reading - Short Debate - Passed | pass | 73 | 38 | | | 2025-04-09 | House | House Floor Amendment No. 1 Recommends Be Adopted Insurance Committee; | pass | 11 | 4 | | | 2025-03-20 | House | Do Pass / Short Debate Insurance Committee; | pass | 11 | 6 | | ## Actions (46) - 2025-08-15: Public Act . . . . . . . . . 104-0334 (House) - 2025-08-15: Effective Date January 1, 2026; some provisions (House) - 2025-08-15: Effective Date October 14, 2025; some provisions (House) - 2025-08-15: Effective Date August 15, 2025; some provisions (House) - 2025-08-15: Governor Approved (House) - 2025-06-24: Sent to the Governor (House) - 2025-05-31: Passed Both Houses (House) - 2025-05-31: House Concurs (House) - 2025-05-31: Senate Committee Amendment No. 1 House Concurs 114-000-000 (House) - 2025-05-29: Senate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Insurance Committee; 015-000-000 (House) - 2025-05-28: Senate Committee Amendment No. 1 Motion to Concur Rules Referred to Insurance Committee (House) - 2025-05-23: Senate Committee Amendment No. 1 Motion to Concur Referred to Rules Committee (House) - 2025-05-23: Senate Committee Amendment No. 1 Motion Filed Concur Rep. Bob Morgan (House) - 2025-05-23: Placed on Calendar Order of Concurrence Senate Amendment(s) 1 (House) - 2025-05-23: Arrived in House (House) - 2025-05-22: Third Reading - Passed; 046-010-000 (Senate) - 2025-05-08: Placed on Calendar Order of 3rd Reading May 13, 2025 (Senate) - 2025-05-08: Second Reading (Senate) - 2025-05-07: Placed on Calendar Order of 2nd Reading May 8, 2025 (Senate) - 2025-05-07: Do Pass as Amended Insurance; 012-000-000 (Senate) - 2025-05-06: Senate Committee Amendment No. 1 Adopted (Senate) - 2025-05-06: Senate Committee Amendment No. 1 Assignments Refers to Insurance (Senate) - 2025-05-05: Senate Committee Amendment No. 1 Referred to Assignments (Senate) - 2025-05-05: Senate Committee Amendment No. 1 Filed with Secretary by Sen. Julie A. Morrison (Senate) - 2025-04-29: Assigned to Insurance (Senate) - 2025-04-14: Referred to Assignments (Senate) - 2025-04-14: First Reading (Senate) - 2025-04-14: Chief Senate Sponsor Sen. Julie A. Morrison (Senate) - 2025-04-14: Placed on Calendar Order of First Reading (Senate) - 2025-04-14: Arrive in Senate (Senate) - 2025-04-10: Third Reading - Short Debate - Passed 073-038-000 (House) - 2025-04-10: Placed on Calendar Order of 3rd Reading - Short Debate (House) - 2025-04-10: House Floor Amendment No. 1 Adopted (House) - 2025-04-09: House Floor Amendment No. 1 Recommends Be Adopted Insurance Committee; 011-004-000 (House) - 2025-04-09: Added Chief Co-Sponsor Rep. Thaddeus Jones (House) - 2025-04-08: House Floor Amendment No. 1 Rules Refers to Insurance Committee (House) - 2025-04-08: House Floor Amendment No. 1 Referred to Rules Committee (House) - 2025-04-08: House Floor Amendment No. 1 Filed with Clerk by Rep. Bob Morgan (House) - 2025-03-26: Held on Calendar Order of Second Reading - Short Debate (House) - 2025-03-26: Second Reading - Short Debate (House) - 2025-03-21: Placed on Calendar 2nd Reading - Short Debate (House) - 2025-03-20: Do Pass / Short Debate Insurance Committee; 011-006-000 (House) - 2025-03-11: Assigned to Insurance Committee (House) - 2025-02-18: Referred to Rules Committee (House) - 2025-02-18: First Reading (House) - 2025-02-07: Filed with the Clerk by Rep. Bob Morgan (House) ## Bill text - Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3800eng.pdf) - Enrolled: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3800enr.pdf) - House Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3800ham001.pdf) - Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3800.pdf) - Senate Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3800sam001.pdf) ## Related bills - HB5198: AFFORDABLE HOUSING-CILAS (passed house) - SB1937: PENSION CODE-VARIOUS (passed senate) - HB2563: CONDO-RESERVE STUDY (in committee) - HB4701: LIMITATIONS FACILITY FEES ACT (in committee) - SB3008: DHS-ABLE PROGRAM INFO MATERIAL (passed senate) - SB3484: VEH CD-PLATES-REGISTRATION (signed) ## Sources - [Engrossed (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3800eng.pdf) - [Enrolled (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3800enr.pdf) - [House Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3800ham001.pdf) - [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3800.pdf) - [Senate Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3800sam001.pdf) ## Related - [HB5198: AFFORDABLE HOUSING-CILAS](https://policyrisk.com/state-bill/IL-HB5198-2025-2026) - [SB1937: PENSION CODE-VARIOUS](https://policyrisk.com/state-bill/IL-SB1937-2025-2026) - [HB2563: CONDO-RESERVE STUDY](https://policyrisk.com/state-bill/IL-HB2563-2025-2026) - [HB4701: LIMITATIONS FACILITY FEES ACT](https://policyrisk.com/state-bill/IL-HB4701-2025-2026) - [SB3008: DHS-ABLE PROGRAM INFO MATERIAL](https://policyrisk.com/state-bill/IL-SB3008-2025-2026) - [SB3484: VEH CD-PLATES-REGISTRATION](https://policyrisk.com/state-bill/IL-SB3484-2025-2026) - [Illinois bills](https://policyrisk.com/states/illinois/bills) - [Illinois state hub](https://policyrisk.com/states/illinois) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/IL-HB3800-2025-2026 (as of 2026-11-01).