# Illinois SB2405: INS-SURPRISE BILL PROTECT Illinois SB2405, INS-SURPRISE BILL PROTECT, is a 104th General Assembly (2025–2026) Senate bill sponsored by Ram Villivalam (Democratic); status in committee, last action 2025-07-02 (Senate Floor Amendment No. 3 Pursuant to Senate Rule 3-9(b) / Referred to Assignments); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/IL-SB2405-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Illinois SB2405 - State: Illinois - Session: 104th General Assembly (2025–2026) - Title: INS-SURPRISE BILL PROTECT - Status: in committee - Chamber: Senate - Introduced: 2025-02-07 - Last action: 2025-07-02, Senate Floor Amendment No. 3 Pursuant to Senate Rule 3-9(b) / Referred to Assignments - Sponsor: Ram Villivalam (Democratic) - Cosponsors: 31 - Subjects: assignments, insurance - Touches household money: yes - Roll calls: 2 (25 yes, 0 no in all) - Economic provisions PRIA read: 0 ## 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. ## Bill overview No economic impacts identified for this bill. ## Sponsors and cosponsors - Sponsor: Ram Villivalam (Democratic), Senate - Cosponsor: Adriane L. Johnson (Democratic), Senate - Cosponsor: Bill Cunningham (Democratic), Senate - Cosponsor: Celina Villanueva (Democratic), Senate - Cosponsor: Chapin Rose (Republican), Senate - Cosponsor: Chris Balkema (Republican), Senate - Cosponsor: Cristina Castro (Democratic), Senate - Cosponsor: David Koehler (Democratic), Senate - Cosponsor: Doris Turner (Democratic), Senate - Cosponsor: Erica Harriss (Republican), Senate - Cosponsor: Graciela Guzmán (Democratic), Senate - Cosponsor: Javier L. Cervantes (Democratic), Senate - Cosponsor: John F. Curran (Republican), Senate - Cosponsor: Karina Villa (Democratic), Senate - Cosponsor: Lakesia Collins (Democratic), Senate - Cosponsor: Laura Fine (Democratic), Senate - Cosponsor: Linda Holmes (Democratic), Senate - Cosponsor: Mary Edly-Allen (Democratic), Senate - Cosponsor: Mattie Hunter (Democratic), Senate - Cosponsor: Michael E. Hastings (Democratic), Senate - Cosponsor: Michael W. Halpin (Democratic), Senate - Cosponsor: Mike Porfirio (Democratic), Senate - Cosponsor: Mike Simmons (Democratic), Senate - Cosponsor: Napoleon Harris III (Democratic), Senate - Cosponsor: Rachel Ventura (Democratic), Senate - Cosponsor: Robert F. Martwick (Democratic), Senate - Cosponsor: Robert Peters (Democratic), Senate - Cosponsor: Sara Feigenholtz (Democratic), Senate - Cosponsor: Seth Lewis (Republican), Senate - Cosponsor: Suzy Glowiak Hilton (Democratic), Senate - Cosponsor: Terri Bryant (Republican), Senate - Cosponsor: Willie Preston (Democratic), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-05-20 | Senate | Senate Floor Amendment No. 3 Recommend Do Adopt Insurance; | pass | 13 | 0 | | | 2025-04-02 | Senate | Do Pass Insurance; | pass | 12 | 0 | | ## Actions (59) - 2025-07-02: Senate Floor Amendment No. 3 Pursuant to Senate Rule 3-9(b) / Referred to Assignments (Senate) - 2025-07-02: Senate Floor Amendment No. 2 Pursuant to Senate Rule 3-9(b) / Referred to Assignments (Senate) - 2025-07-02: Senate Floor Amendment No. 1 Pursuant to Senate Rule 3-9(b) / Referred to Assignments (Senate) - 2025-06-02: Rule 3-9(a) / Re-referred to Assignments (Senate) - 2025-05-28: Added as Co-Sponsor Sen. Chris Balkema (Senate) - 2025-05-23: Rule 2-10 Third Reading Deadline Established As June 1, 2025 (Senate) - 2025-05-22: Added as Co-Sponsor Sen. Seth Lewis (Senate) - 2025-05-20: Senate Floor Amendment No. 3 Recommend Do Adopt Insurance; 013-000-000 (Senate) - 2025-05-20: Added as Co-Sponsor Sen. John F. Curran (Senate) - 2025-05-20: Added as Co-Sponsor Sen. Terri Bryant (Senate) - 2025-05-20: Senate Floor Amendment No. 3 Assignments Refers to Insurance (Senate) - 2025-05-20: Senate Floor Amendment No. 3 Referred to Assignments (Senate) - 2025-05-20: Senate Floor Amendment No. 3 Filed with Secretary by Sen. Ram Villivalam (Senate) - 2025-05-13: Senate Floor Amendment No. 2 Assignments Refers to Insurance (Senate) - 2025-05-09: Rule 2-10 Third Reading Deadline Established As May 23, 2025 (Senate) - 2025-05-09: Senate Floor Amendment No. 2 Referred to Assignments (Senate) - 2025-05-09: Senate Floor Amendment No. 2 Filed with Secretary by Sen. Ram Villivalam (Senate) - 2025-04-28: Added as Co-Sponsor Sen. Lakesia Collins (Senate) - 2025-04-23: Senate Floor Amendment No. 1 Assignments Refers to Insurance (Senate) - 2025-04-22: Added as Co-Sponsor Sen. Erica Harriss (Senate) - 2025-04-11: Rule 2-10 Third Reading Deadline Established As May 9, 2025 (Senate) - 2025-04-10: Added as Co-Sponsor Sen. Chapin Rose (Senate) - 2025-04-10: Added as Co-Sponsor Sen. Mattie Hunter (Senate) - 2025-04-10: Added as Co-Sponsor Sen. Michael E. Hastings (Senate) - 2025-04-09: Added as Co-Sponsor Sen. Michael W. Halpin (Senate) - 2025-04-09: Added as Co-Sponsor Sen. Doris Turner (Senate) - 2025-04-09: Placed on Calendar Order of 3rd Reading April 10, 2025 (Senate) - 2025-04-09: Second Reading (Senate) - 2025-04-08: Senate Floor Amendment No. 1 Referred to Assignments (Senate) - 2025-04-08: Senate Floor Amendment No. 1 Filed with Secretary by Sen. Ram Villivalam (Senate) - 2025-04-07: Added as Co-Sponsor Sen. David Koehler (Senate) - 2025-04-07: Added as Co-Sponsor Sen. Linda Holmes (Senate) - 2025-04-04: Added as Co-Sponsor Sen. Robert F. Martwick (Senate) - 2025-04-04: Added as Co-Sponsor Sen. Karina Villa (Senate) - 2025-04-04: Added as Co-Sponsor Sen. Rachel Ventura (Senate) - 2025-04-04: Added as Co-Sponsor Sen. Adriane L. Johnson (Senate) - 2025-04-04: Added as Co-Sponsor Sen. Mary Edly-Allen (Senate) - 2025-04-04: Added as Co-Sponsor Sen. Mike Simmons (Senate) - 2025-04-04: Added as Co-Sponsor Sen. Javier L. Cervantes (Senate) - 2025-04-04: Added as Co-Sponsor Sen. Celina Villanueva (Senate) - 2025-04-04: Added as Co-Sponsor Sen. Mike Porfirio (Senate) - 2025-04-03: Added as Chief Co-Sponsor Sen. Willie Preston (Senate) - 2025-04-02: Placed on Calendar Order of 2nd Reading April 3, 2025 (Senate) - 2025-04-02: Do Pass Insurance; 012-000-000 (Senate) - 2025-04-01: Added as Co-Sponsor Sen. Napoleon Harris III (Senate) - 2025-04-01: Added as Co-Sponsor Sen. Suzy Glowiak Hilton (Senate) - 2025-03-21: Rule 2-10 Committee Deadline Established As April 4, 2025 (Senate) - 2025-03-19: Added as Co-Sponsor Sen. Robert Peters (Senate) - 2025-03-19: Added as Co-Sponsor Sen. Willie Preston (Senate) - 2025-03-19: Added as Co-Sponsor Sen. Bill Cunningham (Senate) - 2025-03-19: Added as Co-Sponsor Sen. Sara Feigenholtz (Senate) - 2025-03-19: Postponed - Insurance (Senate) - 2025-03-13: Added as Co-Sponsor Sen. Cristina Castro (Senate) - 2025-03-11: Added as Co-Sponsor Sen. Laura Fine (Senate) - 2025-03-04: Assigned to Insurance (Senate) - 2025-02-24: Added as Chief Co-Sponsor Sen. Graciela Guzmán (Senate) - 2025-02-07: Referred to Assignments (Senate) - 2025-02-07: First Reading (Senate) - 2025-02-07: Filed with Secretary by Sen. Ram Villivalam (Senate) ## Bill text - Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2405.pdf) - Senate Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2405sam001.pdf) - Senate Amendment 2: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2405sam002.pdf) - Senate Amendment 3: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2405sam003.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 - [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2405.pdf) - [Senate Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2405sam001.pdf) - [Senate Amendment 2 (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2405sam002.pdf) - [Senate Amendment 3 (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2405sam003.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-SB2405-2025-2026 (as of 2026-11-01).