# Illinois HB5393: LIMITED HEALTH SERVICE ORGS Illinois HB5393, LIMITED HEALTH SERVICE ORGS, is a 104th General Assembly (2025–2026) House bill sponsored by no sponsor on record; status signed, last action 2026-07-10 (Public Act . . . . . . . . . 104-0562); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/IL-HB5393-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Illinois HB5393 - State: Illinois - Session: 104th General Assembly (2025–2026) - Title: LIMITED HEALTH SERVICE ORGS - Status: signed - Chamber: House - Introduced: 2026-02-06 - Last action: 2026-07-10, Public Act . . . . . . . . . 104-0562 - Sponsors: no sponsor on record - Cosponsors: 4 - Subjects: insurance, assignments - Touches household money: yes - Roll calls: 6 (312 yes, 0 no in all) - Economic provisions PRIA read: 3 ## Summary Amends the Limited Health Service Organization Act. Makes changes to defined terms. In provisions concerning the offering of a point-of-sale contract by a limited health service organization (LHSO), removes a provision requiring the LHSO to include an annual maximum benefit allowance not to exceed $2,500 per year that is separate from any limits or allowances applied to in-plan services. Provides that, if an LHSO expends in any calendar quarter more than 20% of its total limited health services expenditures for all its members for out-of-plan covered services, then specified limitations shall not apply subject to the LHSO minimum capital and surplus requirements applicable to a life, accident, and health insurance company. Makes other changes. ## Bill overview: provisions PRIA read - Limited health plans gain payment options: benefit, low. Limited health care plans can provide or arrange services using a fixed prepaid amount or a prepaid amount for each person. The law removes the requirement to issue evidence of coverage in exchange for a per-person prepaid sum. These options do not guarantee lower costs for enrollees. - New limits on plans’ out-of-plan coverage: mixed, medium. Point-of-service plans no longer have to include a separate yearly allowance for out-of-plan care. The old rule capped that required allowance at $2,500, but plans can still offer one. Plans generally cannot spend more than 20% of total limited health service costs on out-of-plan care in a calendar… - Who counts for limited health coverage: mixed, medium. The law lists dental, vision, drug, and foot-care services as limited health services. Hospital, medical, surgical, or emergency care qualifies only when provided as part of those services. Ambulance and lab services are no longer expressly listed. A person or dependent entitled to services under a… ## Sponsors and cosponsors - Cosponsor: Ann M. Williams (Democratic), House - Cosponsor: Bob Morgan (Democratic), House - Cosponsor: Cristina Castro (Democratic), Senate - Cosponsor: Daniel Didech (Democratic), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-05-31 | House | Senate Floor Amendment No. 1 House Concurs | pass | 116 | 0 | | | 2026-05-29 | House | Senate Floor Amendment No. 1 Motion to Concur Recommends Be Adopted Insurance Committee; | pass | 16 | 0 | | | 2026-05-28 | Senate | Third Reading - Passed; | pass | 58 | 0 | | | 2026-04-29 | Senate | Do Pass Insurance; | pass | 9 | 0 | | | 2026-04-09 | House | Third Reading - Short Debate - Passed | pass | 98 | 0 | | | 2026-03-24 | House | Do Pass / Short Debate Insurance Committee; | pass | 15 | 0 | | ## Actions (42) - 2026-07-10: Public Act . . . . . . . . . 104-0562 (House) - 2026-07-10: Effective Date January 1, 2027 (House) - 2026-07-10: Governor Approved (House) - 2026-06-26: Sent to the Governor (House) - 2026-05-31: Passed Both Houses (House) - 2026-05-31: House Concurs (House) - 2026-05-31: Senate Floor Amendment No. 1 House Concurs 116-000-000 (House) - 2026-05-29: Senate Floor Amendment No. 1 Motion to Concur Recommends Be Adopted Insurance Committee; 016-000-000 (House) - 2026-05-29: Added Chief Co-Sponsor Rep. Bob Morgan (House) - 2026-05-29: Senate Floor Amendment No. 1 Motion to Concur Rules Referred to Insurance Committee (House) - 2026-05-28: Senate Floor Amendment No. 1 Motion to Concur Referred to Rules Committee (House) - 2026-05-28: Senate Floor Amendment No. 1 Motion Filed Concur Rep. Ann M. Williams (House) - 2026-05-28: Placed on Calendar Order of Concurrence Senate Amendment(s) 1 (House) - 2026-05-28: Arrived in House (House) - 2026-05-28: Third Reading - Passed; 058-000-000 (Senate) - 2026-05-28: Placed on Calendar Order of 3rd Reading (Senate) - 2026-05-28: Senate Floor Amendment No. 1 Adopted; Castro (Senate) - 2026-05-28: Recalled to Second Reading (Senate) - 2026-05-22: Rule 2-10 Third Reading Deadline Established As May 31, 2026 (Senate) - 2026-05-13: Senate Floor Amendment No. 1 Be Approved for Consideration Assignments (Senate) - 2026-05-12: Senate Floor Amendment No. 1 Referred to Assignments (Senate) - 2026-05-12: Senate Floor Amendment No. 1 Filed with Secretary by Sen. Cristina Castro (Senate) - 2026-04-30: Placed on Calendar Order of 3rd Reading May 5, 2026 (Senate) - 2026-04-30: Second Reading (Senate) - 2026-04-29: Placed on Calendar Order of 2nd Reading April 30, 2026 (Senate) - 2026-04-29: Do Pass Insurance; 009-000-000 (Senate) - 2026-04-22: Assigned to Insurance (Senate) - 2026-04-10: Referred to Assignments (Senate) - 2026-04-10: First Reading (Senate) - 2026-04-10: Chief Senate Sponsor Sen. Cristina Castro (Senate) - 2026-04-10: Placed on Calendar Order of First Reading (Senate) - 2026-04-10: Arrive in Senate (Senate) - 2026-04-09: Third Reading - Short Debate - Passed 098-000-000 (House) - 2026-04-07: Placed on Calendar Order of 3rd Reading - Short Debate (House) - 2026-04-07: Second Reading - Short Debate (House) - 2026-03-25: Placed on Calendar 2nd Reading - Short Debate (House) - 2026-03-24: Do Pass / Short Debate Insurance Committee; 015-000-000 (House) - 2026-03-24: Added Chief Co-Sponsor Rep. Daniel Didech (House) - 2026-03-18: Assigned to Insurance Committee (House) - 2026-02-10: Referred to Rules Committee (House) - 2026-02-10: First Reading (House) - 2026-02-06: Filed with the Clerk by Rep. Ann M. Williams (House) ## Bill text - Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5393eng.pdf) - Enrolled: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5393enr.pdf) - Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5393.pdf) - Senate Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5393sam001.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/10400HB5393eng.pdf) - [Enrolled (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5393enr.pdf) - [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5393.pdf) - [Senate Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5393sam001.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-HB5393-2025-2026 (as of 2026-11-01).