IllinoisSB2405104th General Assembly (2025–2026)SenateWALLET

INS-SURPRISE BILL PROTECT

Sponsored By: Ram Villivalam (Democratic)

In Committee

Summary

Amends the Illinois Insurance Code to create the Consumer Protection from Surprise Health Care Billing Act. Provides that, on or after July 1, 2025, notwithstanding any other applicable provision, when a beneficiary, insured, or enrollee receives services from a nonparticipating ground ambulance service provider, the health insurance issuer shall ensure that the beneficiary, insured, or enrollee shall incur no greater out-of-pocket costs than the beneficiary, insured, or enrollee would have incurred with a participating ground ambulance service provider. Provides that any cost-sharing requirements shall be applied as though the services provided by the nonparticipating ground ambulance service provider had been provided by a participating ground ambulance service provider. Sets forth provisions concerning payment for ground ambulance services; calculating the recognized amount; limitations for the cost sharing amount for any occurrence in which a ground ambulance service is provided to a beneficiary; appeals for payments made by health insurance issuers; the maximum allowable payment amounts, by individual service types, for nonparticipating ground ambulance service providers owned, operated, or controlled by a private organization; and payments to nonparticipating ground ambulance service providers owned, operated, or controlled, by a unit of government which participates in the Ground Emergency Medical Transportation program administered by the Department of Healthcare and Family Services. Makes conforming changes. Provides that the failure by a health insurance issuer to comply with the specified requirements constitutes an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act and enforcement authority is granted to the Attorney General. Amends the Health Maintenance Organization Act and the Consumer Fraud and Deceptive Business Practices Act to make corresponding changes. Effective July 1, 2025.

assignmentsinsurance

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Bill Overview

No Economic Impacts Identified for this Bill

Sponsors & Cosponsors

Sponsor

  • Ram Villivalam

    Democratic • Senate

Cosponsors

  • Adriane L. Johnson

    Democratic • Senate

  • Bill Cunningham

    Democratic • Senate

  • Celina Villanueva

    Democratic • Senate

  • Chapin Rose

    Republican • Senate

  • Chris Balkema

    Republican • Senate

  • Cristina Castro

    Democratic • Senate

  • David Koehler

    Democratic • Senate

  • Doris Turner

    Democratic • Senate

  • Erica Harriss

    Republican • Senate

  • Graciela Guzmán

    Democratic • Senate

  • Javier L. Cervantes

    Democratic • Senate

  • John F. Curran

    Republican • Senate

  • Karina Villa

    Democratic • Senate

  • Lakesia Collins

    Democratic • Senate

  • Laura Fine

    Democratic • Senate

  • Linda Holmes

    Democratic • Senate

  • Mary Edly-Allen

    Democratic • Senate

  • Mattie Hunter

    Democratic • Senate

  • Michael E. Hastings

    Democratic • Senate

  • Michael W. Halpin

    Democratic • Senate

  • Mike Porfirio

    Democratic • Senate

  • Mike Simmons

    Democratic • Senate

  • Napoleon Harris III

    Democratic • Senate

  • Rachel Ventura

    Democratic • Senate

  • Robert F. Martwick

    Democratic • Senate

  • Robert Peters

    Democratic • Senate

  • Sara Feigenholtz

    Democratic • Senate

  • Seth Lewis

    Republican • Senate

  • Suzy Glowiak Hilton

    Democratic • Senate

  • Terri Bryant

    Republican • Senate

  • Willie Preston

    Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 25 • No: 0

Senate vote • 5/20/2025

Senate Floor Amendment No. 3 Recommend Do Adopt Insurance;

Yes: 13 • No: 0

Senate vote • 4/2/2025

Do Pass Insurance;

Yes: 12 • No: 0

Actions Timeline

  1. Senate Floor Amendment No. 3 Pursuant to Senate Rule 3-9(b) / Referred to Assignments

    7/2/2025Senate
  2. Senate Floor Amendment No. 2 Pursuant to Senate Rule 3-9(b) / Referred to Assignments

    7/2/2025Senate
  3. Senate Floor Amendment No. 1 Pursuant to Senate Rule 3-9(b) / Referred to Assignments

    7/2/2025Senate
  4. Rule 3-9(a) / Re-referred to Assignments

    6/2/2025Senate
  5. Added as Co-Sponsor Sen. Chris Balkema

    5/28/2025Senate
  6. Rule 2-10 Third Reading Deadline Established As June 1, 2025

    5/23/2025Senate
  7. Added as Co-Sponsor Sen. Seth Lewis

    5/22/2025Senate
  8. Senate Floor Amendment No. 3 Recommend Do Adopt Insurance; 013-000-000

    5/20/2025Senate
  9. Added as Co-Sponsor Sen. John F. Curran

    5/20/2025Senate
  10. Added as Co-Sponsor Sen. Terri Bryant

    5/20/2025Senate
  11. Senate Floor Amendment No. 3 Assignments Refers to Insurance

    5/20/2025Senate
  12. Senate Floor Amendment No. 3 Referred to Assignments

    5/20/2025Senate
  13. Senate Floor Amendment No. 3 Filed with Secretary by Sen. Ram Villivalam

    5/20/2025Senate
  14. Senate Floor Amendment No. 2 Assignments Refers to Insurance

    5/13/2025Senate
  15. Rule 2-10 Third Reading Deadline Established As May 23, 2025

    5/9/2025Senate
  16. Senate Floor Amendment No. 2 Referred to Assignments

    5/9/2025Senate
  17. Senate Floor Amendment No. 2 Filed with Secretary by Sen. Ram Villivalam

    5/9/2025Senate
  18. Added as Co-Sponsor Sen. Lakesia Collins

    4/28/2025Senate
  19. Senate Floor Amendment No. 1 Assignments Refers to Insurance

    4/23/2025Senate
  20. Added as Co-Sponsor Sen. Erica Harriss

    4/22/2025Senate
  21. Rule 2-10 Third Reading Deadline Established As May 9, 2025

    4/11/2025Senate
  22. Added as Co-Sponsor Sen. Chapin Rose

    4/10/2025Senate
  23. Added as Co-Sponsor Sen. Mattie Hunter

    4/10/2025Senate
  24. Added as Co-Sponsor Sen. Michael E. Hastings

    4/10/2025Senate
  25. Added as Co-Sponsor Sen. Michael W. Halpin

    4/9/2025Senate

Bill Text

  • Introduced

  • Senate Amendment 1

  • Senate Amendment 2

  • Senate Amendment 3

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