# Illinois SB3114: TRANSPARENCY IN DOWNCODING ACT

Illinois SB3114, TRANSPARENCY IN DOWNCODING ACT, is a 104th General Assembly (2025–2026) Senate bill sponsored by David Koehler (Democratic); status signed, last action 2026-07-10 (Public Act . . . . . . . . . 104-0568) (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/IL-SB3114-2025-2026
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Illinois SB3114
- State: Illinois
- Session: 104th General Assembly (2025–2026)
- Title: TRANSPARENCY IN DOWNCODING ACT
- Status: signed
- Chamber: Senate
- Introduced: 2026-02-02
- Last action: 2026-07-10, Public Act . . . . . . . . . 104-0568
- Sponsor: David Koehler (Democratic)
- Cosponsors: 59
- Subjects: assignments, insurance
- Touches household money: no
- Roll calls: 6 (219 yes, 0 no in all)
- Economic provisions PRIA read: 0

## Summary

Creates the Transparency in Downcoding Act. Provides that the Act applies to certain policies of health insurance amended, delivered, issued, or renewed on or after the effective date of the Act, except for employee or employer self-insured health benefit plans under the federal Employee Retirement Income Security Act of 1974 and health care provided pursuant to the Workers' Compensation Act or the Workers' Occupational Diseases Act. Prohibits a health insurance issuer from using an automated process, system, or tool to downcode a claim; from downcoding a claim based solely on the reported diagnosis codes; and from using downcoding practices in a targeted or discriminatory manner against physicians who routinely treat patients with complex or chronic conditions. Requires downcoding decisions to be made by a physician licensed to practice medicine in all its branches in any United States jurisdiction and of the same or similar specialty as a physician who typically manages the medical condition or disease. Sets forth provisions concerning notification requirements for downcoded claims; the appeal process for downcoded claims; enforcement by the Department of Insurance; and penalties. Provides that any pattern or practice of discriminatory downcoding identified by the Director of Insurance or another regulatory authority shall be subject to enforcement actions, including fines, restitution, or suspension of the health insurance issuer's license in this State. Effective immediately.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: David Koehler (Democratic), Senate
- Cosponsor: Amy Briel (Democratic), House
- Cosponsor: Andrew S. Chesney (Republican), Senate
- Cosponsor: Anthony DeLuca (Democratic), House
- Cosponsor: Bob Morgan (Democratic), House
- Cosponsor: Chris Balkema (Republican), Senate
- Cosponsor: Christopher Belt (Democratic), Senate
- Cosponsor: Cristina Castro (Democratic), Senate
- Cosponsor: Dagmara Avelar (Democratic), House
- Cosponsor: Dave Vella (Democratic), House
- Cosponsor: Doris Turner (Democratic), Senate
- Cosponsor: Elgie R. Sims, Jr. (Democratic), Senate
- Cosponsor: Emil Jones, III (Democratic), Senate
- Cosponsor: Graciela Guzmán (Democratic), Senate
- Cosponsor: Gregg Johnson (Democratic), House
- Cosponsor: Harry Benton (Democratic), House
- Cosponsor: Jawaharial Williams (Democratic), House
- Cosponsor: Jeff Keicher (Republican), House
- Cosponsor: Jennifer Gong-Gershowitz (Democratic), House
- Cosponsor: Joyce Mason (Democratic), House
- Cosponsor: Julie A. Morrison (Democratic), Senate
- Cosponsor: Justin Cochran (Democratic), House
- Cosponsor: Katie Stuart (Democratic), House
- Cosponsor: Kelly M. Cassidy (Democratic), House
- Cosponsor: Lakesia Collins (Democratic), Senate
- Cosponsor: Laura Fine (Democratic), Senate
- Cosponsor: Lawrence "Larry" Walsh, Jr. (Democratic), House
- Cosponsor: Linda Holmes (Democratic), Senate
- Cosponsor: Lisa Davis (Democratic), House
- Cosponsor: Martha Deuter (Democratic), House
- Cosponsor: Mary Beth Canty (Democratic), House
- Cosponsor: Mary Gill (Democratic), House
- Cosponsor: Matt Hanson (Democratic), House
- Cosponsor: Maurice A. West, II (Democratic), House
- Cosponsor: Meg Loughran Cappel (Democratic), Senate
- Cosponsor: Michael Crawford (Democratic), House
- Cosponsor: Michael J. Kelly (Democratic), House
- Cosponsor: Michael W. Halpin (Democratic), Senate
- Cosponsor: Michelle Mussman (Democratic), House
- Cosponsor: Mike Porfirio (Democratic), Senate
- Cosponsor: Mike Simmons (Democratic), Senate
- Cosponsor: Napoleon Harris III (Democratic), Senate
- Cosponsor: Natalie A. Manley (Democratic), House
- Cosponsor: Nicolle Grasse (Democratic), House
- Cosponsor: Paul Faraci (Democratic), Senate
- Cosponsor: Rachel Ventura (Democratic), Senate
- Cosponsor: Ram Villivalam (Democratic), Senate
- Cosponsor: Rick Ryan (Democratic), House
- Cosponsor: Rita Mayfield (Democratic), House
- Cosponsor: Robert Peters (Democratic), Senate
- Cosponsor: Ryan Spain (Republican), House
- Cosponsor: Sally J. Turner (Republican), Senate
- Cosponsor: Sharon Chung (Democratic), House
- Cosponsor: Stephanie A. Kifowit (Democratic), House
- Cosponsor: Sue Rezin (Republican), Senate
- Cosponsor: Sue Scherer (Democratic), House
- Cosponsor: Suzy Glowiak Hilton (Democratic), Senate
- Cosponsor: Tracy Katz Muhl (Democratic), House
- Cosponsor: William "Will" Davis (Democratic), House
- Cosponsor: William E Hauter (Republican), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-05-27 | House | Third Reading - Short Debate - Passed | pass | 111 | 0 |   |
| 2026-05-26 | House | Do Pass / Short Debate Insurance Committee; | pass | 15 | 0 |   |
| 2026-05-14 | Senate | Third Reading - Passed; | pass | 59 | 0 |   |
| 2026-05-13 | Senate | Senate Floor Amendment No. 2 Recommend Do Adopt Insurance; | pass | 13 | 0 |   |
| 2026-04-14 | Senate | Senate Floor Amendment No. 1 Recommend Do Adopt Insurance; | pass | 11 | 0 |   |
| 2026-03-11 | Senate | Do Pass Insurance; | pass | 10 | 0 |   |

## Bill text

- Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB3114eng.pdf)
- Enrolled: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB3114enr.pdf)
- Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB3114.pdf)
- Senate Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB3114sam001.pdf)
- Senate Amendment 2: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB3114sam002.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/SB/PDF/10400SB3114eng.pdf)
- [Enrolled (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB3114enr.pdf)
- [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB3114.pdf)
- [Senate Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB3114sam001.pdf)
- [Senate Amendment 2 (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB3114sam002.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)
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Source: PRIA, https://policyrisk.com/state-bill/IL-SB3114-2025-2026 (as of 2026-11-01).