All Roll Calls
Yes: 191 • No: 0
Sponsored By: Julie A. Morrison (Democratic)
Signed by Governor
Amends the Illinois Insurance Code. Changes the title of the Urban Property Insurance Article to the Availability of Property Insurance Article. Provides for regulation of an association, commonly referred to as the Illinois FAIR Plan Association, of all admitted insurers engaged in writing in the State, on a direct basis, basic property insurance or any basic property insurance component in multi-peril policies, including, without limitation, excess and surplus insurers, but not including farm mutual companies. Replaces all references in the Article to Industry Placement Facility or Facility with Association and all references to Inspection Bureau with Inspector. Sets forth provisions concerning participation in and management of the Association. Makes changes to provisions concerning application procedures; authorized operations for issuing policies; approval of rates; the right to appeal; reporting requirements; making of assessments; and powers of the Director of Insurance. Provides that an insurer shall, for purposes of ratemaking submissions, include its proportionate share of the Association's deficit or surplus in underwriting results with the method of recognition determined from time to time by the Association's governing committee and the Director. Repeals provisions concerning the Industry Placement Program; premium financing; applications for coverage of risks by the Industry Placement Facility; the Illinois Insurance Development Fund; reimbursement of the Secretary through the Fund; insolvency of companies; and a task force that reviews policy forms and endorsements issued by the Industry Placement Facility. Effective immediately.
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4 provisions identified: 0 benefits, 0 costs, 4 mixed.
The FAIR Plan provides an evaluation route for Illinois property owners who cannot get basic insurance after at least 3 unsuccessful attempts. Owner-residents of one- to four-family homes can also apply when the regular market does not renew their coverage. Beginning January 1, 2027, a registered Illinois-licensed agent must submit each complete application; applicants can request their evaluation report in writing and may get one reevaluation starting 60 days after the first. Insurers must provide FAIR Plan contact information when they cancel or do not renew fire coverage, except for nonpayment or evidence of incendiarism. The Director can require programs to address redlining and improve access, but an evaluation does not guarantee a policy.
Applicants whose coverage is rejected and policyholders whose policies are canceled or not renewed can appeal to the Association’s committee within 30 days after notice. A party can appeal the committee’s decision to the Director within 30 days; Director orders are subject to judicial review. Claims under an Association policy can be brought only against the Association. Beginning January 1, 2027, specified officials, Association staff, and their representatives cannot be sued for certain inspection and evaluation-related conduct. Evaluation reports, records, and communications are not public documents.
Admitted insurers that write basic property insurance in Illinois must join the Association; farm mutual companies are excluded. Participating insurers cover its expenses and liabilities, and the Association can assess members after a loss. Members’ shares depend on their portion of Illinois property insurance premiums, with adjustments under the Credit Depopulation Program; members must pay assessments within 30 days. If a member is insolvent, its share is redistributed among the remaining members. The Association can distribute profits to members or keep them for past or future losses, so any effect on household insurance costs is indirect and uncertain.
The Association can issue basic property insurance and set rules for applications, inspections, rates, deductibles, claims, and other policy terms. Beginning January 1, 2027, it must file proposed rates for the Director’s review; the Director has 60 days to approve or reject them and can add 30 days after notifying the Association. Policies and endorsements cannot be issued until rates and forms are approved. The 11-member committee has 6 insurer-elected members, 4 public consumer representatives, and 1 licensed producer, serving 3-year terms; insurer votes on administrative matters are weighted by premiums. The Director oversees the Association, and may allow changes to fire policies for non-owner-occupied residences with more than 4 units to support fair settlements, deter arson, and encourage neighborhood renewal. The Association must also maintain a program that encourages policies to return to the standard market.
Julie A. Morrison
Democratic • Senate
Bob Morgan
Democratic • House
Jeff Keicher
Republican • House
Seth Lewis
Republican • Senate
All Roll Calls
Yes: 191 • No: 0
House vote • 5/21/2026
Third Reading - Short Debate - Passed
Yes: 107 • No: 0
House vote • 5/5/2026
Do Pass / Short Debate Insurance Committee;
Yes: 15 • No: 0
Senate vote • 4/16/2026
Third Reading - Passed;
Yes: 57 • No: 0
Senate vote • 2/18/2026
Do Pass as Amended Insurance;
Yes: 12 • No: 0
Public Act . . . . . . . . . 104-0645
Effective Date January 1, 2027
Governor Approved
Sent to the Governor
Passed Both Houses
Third Reading - Short Debate - Passed 107-000-000
Placed on Calendar Order of 3rd Reading - Short Debate
Second Reading - Short Debate
Placed on Calendar 2nd Reading - Short Debate
Do Pass / Short Debate Insurance Committee; 015-000-000
Added Alternate Chief Co-Sponsor Rep. Jeff Keicher
Assigned to Insurance Committee
Referred to Rules Committee
First Reading
Chief House Sponsor Rep. Bob Morgan
Arrived in House
Third Reading - Passed; 057-000-000
Placed on Calendar Order of 3rd Reading ** April 15, 2026
Placed on Calendar Order of 3rd Reading March 5, 2026
Second Reading
Added as Co-Sponsor Sen. Seth Lewis
Placed on Calendar Order of 2nd Reading February 19, 2026
Do Pass as Amended Insurance; 012-000-000
Senate Committee Amendment No. 1 Adopted
Senate Committee Amendment No. 1 Assignments Refers to Insurance
Engrossed
Enrolled
Introduced
Senate Amendment 1
HB5198, AFFORDABLE HOUSING-CILAS
Amends the Affordable Housing Planning and Appeal Act. Requires non-exempt local governments to provide residents with notice and the opportunity for comment at a public hearing prior to adopting an affordable housing plan. Requires a non-exempt local government to provide proof of its compliance with the notice and public hearing requirements when it submits a copy of its affordable housing plan to the Illinois Housing Development Authority. Expands the list of information that must be provided in the affordable housing plan to include, (i) an identification of "specific lands" (rather than "lands") within the jurisdiction that are most appropriate for the construction of affordable housing, (ii) proposed timelines to commence "specific actions and deadlines" (rather than "actions") to implement the components of the affordable housing plan, and (iii) incentives, including certain measures to address the need for affordable housing, that the local government may provide for the purpose of attracting affordable housing. In a provision permitting certain persons to appeal a local government's denial of a proposed affordable housing plan, expands the list to include a service provider that is under contract to provide services for potential residents of a proposed supportive housing project or community-integrated living arrangement that is included in the proposed affordable housing plan. Contains provisions concerning final actions or decisions by the governing body of the local government on the proposed affordable housing plans; appeal procedures and timelines; and other matters. Expands the Illinois Housing Development Authority's rulemaking authority to include the adoption of rules and regulations concerning the substance of affordable housing plans consistent with the changes made in the amendatory Act.
SB1937, PENSION CODE-VARIOUS
Amends the State Employee Article of the Illinois Pension Code. Provides that a member who is eligible to receive an alternative retirement annuity may elect to receive an estimated payment that shall commence no later than 30 days after the later of either the member's last day of employment or 30 days after the member files for the retirement benefit with the System. Provides that the estimated payment shall be the best estimate by the System of the total monthly amount due to the member based on the information that the System possesses at the time of the estimate. Provides that if the amount of the estimate is greater or less than the actual amount of the monthly annuity, the System shall pay or recover the difference within 6 months after the start of the monthly annuity. Excludes a benefit increase resulting from the amendatory Act from the definition of "new benefit increase". Effective immediately.
HB2563, CONDO-RESERVE STUDY
Amends the Common Interest Community Association Act. Requires a common interest association to conduct and update a reserve study every 5 years. "Reserve study" means an analysis of the reserves required for future major maintenance, repairs, and replacements of the common elements. Grants a 5-year window for an association to conduct a reserve study or update a current study. Requires a reserve study to be made available to any prospective purchaser of a unit upon request for a resale of any unit in the community. Exempts an association with 15 or fewer units but still requires the board to comply with the budgeting and reserve requirements elsewhere in the Act. Amends the Condominium Property Act to make similar changes.
HB4701, LIMITATIONS FACILITY FEES ACT
Creates the Limitations on Facility Fees Act. Provides that no health care provider shall charge, bill, or collect a facility fee, except for: (i) services provided on a hospital's campus; (ii) services provided at a facility that includes a licensed hospital emergency department; or (iii) emergency services provided at a freestanding emergency center. Provides that, except as specified, no health care provider shall charge, bill, or collect a facility fee for: (i) outpatient evaluation and management services; or (ii) any other outpatient, diagnostic, or imaging services identified by the Department of Public Health. Requires the Department to annually identify services subject to the limitations on specified facility fees that may reliably be provided safely and effectively in settings other than hospitals. Sets forth provisions concerning reporting, rulemaking, and enforcement of the Act. Amends the Fair Patient Billing Act to make a conforming change. Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that any person who violates the Limitations on Facility Fees Act commits an unlawful practice.
SB3008, DHS-ABLE PROGRAM INFO MATERIAL
Amends the Mental Health and Developmental Disabilities Administrative Act and the Rehabilitation of Persons with Disabilities Act. Required the Department of Human Services to provide informational materials about the Senator Scott Bennett ABLE Program to: persons who are placed in a facility licensed under the ID/DD Community Care Act, the MC/DD Act, or the Specialized Mental Health Rehabilitation Act of 2013; persons with disabilities who receive services funded by or administered in conjunction with the Department, including, but not limited to, home and community based services, home-based support services, PUNS services, home care services, and services at a Center for Independent Living. Provides that the informational materials shall be provided when a person first enrolls for such services and as part of any annual process required for the person to maintain eligibility for such services. Requires the Office of the State Treasurer to prepare and deliver the informational materials in an electronic format to the Department and distribute the materials to eligible persons.
SB3484, VEH CD-PLATES-REGISTRATION
Amends the Illinois Vehicle Code. Provides that the design and color of registration plates shall be wholly within the discretion of the Secretary of State. Provides that plates for veterans with disabilities who have been approved for benefits under the Senior Citizens and Persons with Disabilities Property Tax Relief Act shall pay a specified fee (instead of $24). Authorizes the Secretary to suspend or revoke a certificate or the special plates issued to tow truck or wrecker operator upon determining that the person is not lawfully entitled thereto or has made or knowingly permitted any illegal use of the plates or has committed fraud in the registration of vehicles or failed to give notices of transfers. Prohibits a vehicle from being registered in the name of a person who is not an owner or lessee of that vehicle. Requires a vehicle owner seeking to register a vehicle in the State to register that vehicle to a State address. Provides that it is a violation for a person to alter, forge, or counterfeit a license plate or digital license plate. Provides that if no assignable title is available when auctioning a vehicle, the auctioneer or dealer must apply for Illinois title for the purpose of assigning title. Provides that the renewal fee for licenses and permits issued to 18, 19, and 20 year olds is $5. Provides that the Secretary shall issue a meter-exempt decal or device to the parent of a person with a disability who is under 18 years of age and incapable of driving or the legal guardian of a person with a disability incapable of driving. Makes other changes.