Illinois 2023-2024 Regular Session

Illinois Senate Bill SB3675 Compare Versions

Only one version of the bill is available at this time.

Old	New	Differences
1	1	103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 SB3675 Introduced 2/9/2024, by Sen. Napoleon Harris, III SYNOPSIS AS INTRODUCED: See Index Amends the Illinois Insurance Code. Provides that any failure to make a disclosure or obtain a signed confirmation required under specified provisions of the Short-Term, Limited-Duration Health Insurance Coverage Act is an unfair method of competition and an unfair and deceptive act or practice in the business of insurance. Provides that the Director of Insurance shall have the power to examine and investigate into the affairs of every person subject to specified provisions of the Short-Term, Limited-Duration Health Insurance Coverage Act. Provides that the Director may place on probation, suspend, revoke, or refuse to issue or renew an insurance producer's license or may levy a civil penalty or take any combination of actions for any failure to make a disclosure or obtain a signed confirmation required or any unlawful practice described under specified provisions of the Short-Term, Limited-Duration Health Insurance Coverage Act. Amends the Short-Term, Limited-Duration Health Insurance Coverage Act. Sets forth provisions concerning the purpose and scope of the Act. Provides that the Act applies to health insurance issuers that offer short-term, limited-duration health insurance coverage to groups and individuals (rather than only individuals) in the State. Sets forth provisions concerning duration of coverage; cancellation; and disclosure, filing, and coverage requirements of short term, limited-duration health insurance coverage. Sets forth provisions concerning unfair or deceptive practices relating to the sale of supplemental or short-term, limited-duration health insurance coverage. Defines terms. Makes other changes. Effective January 1, 2026. LRB103 38256 RPS 68391 b A BILL FOR 103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 SB3675 Introduced 2/9/2024, by Sen. Napoleon Harris, III SYNOPSIS AS INTRODUCED: See Index See Index Amends the Illinois Insurance Code. Provides that any failure to make a disclosure or obtain a signed confirmation required under specified provisions of the Short-Term, Limited-Duration Health Insurance Coverage Act is an unfair method of competition and an unfair and deceptive act or practice in the business of insurance. Provides that the Director of Insurance shall have the power to examine and investigate into the affairs of every person subject to specified provisions of the Short-Term, Limited-Duration Health Insurance Coverage Act. Provides that the Director may place on probation, suspend, revoke, or refuse to issue or renew an insurance producer's license or may levy a civil penalty or take any combination of actions for any failure to make a disclosure or obtain a signed confirmation required or any unlawful practice described under specified provisions of the Short-Term, Limited-Duration Health Insurance Coverage Act. Amends the Short-Term, Limited-Duration Health Insurance Coverage Act. Sets forth provisions concerning the purpose and scope of the Act. Provides that the Act applies to health insurance issuers that offer short-term, limited-duration health insurance coverage to groups and individuals (rather than only individuals) in the State. Sets forth provisions concerning duration of coverage; cancellation; and disclosure, filing, and coverage requirements of short term, limited-duration health insurance coverage. Sets forth provisions concerning unfair or deceptive practices relating to the sale of supplemental or short-term, limited-duration health insurance coverage. Defines terms. Makes other changes. Effective January 1, 2026. LRB103 38256 RPS 68391 b LRB103 38256 RPS 68391 b A BILL FOR
2	2	103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 SB3675 Introduced 2/9/2024, by Sen. Napoleon Harris, III SYNOPSIS AS INTRODUCED:
3	3	See Index See Index
4	4	See Index
5	5	Amends the Illinois Insurance Code. Provides that any failure to make a disclosure or obtain a signed confirmation required under specified provisions of the Short-Term, Limited-Duration Health Insurance Coverage Act is an unfair method of competition and an unfair and deceptive act or practice in the business of insurance. Provides that the Director of Insurance shall have the power to examine and investigate into the affairs of every person subject to specified provisions of the Short-Term, Limited-Duration Health Insurance Coverage Act. Provides that the Director may place on probation, suspend, revoke, or refuse to issue or renew an insurance producer's license or may levy a civil penalty or take any combination of actions for any failure to make a disclosure or obtain a signed confirmation required or any unlawful practice described under specified provisions of the Short-Term, Limited-Duration Health Insurance Coverage Act. Amends the Short-Term, Limited-Duration Health Insurance Coverage Act. Sets forth provisions concerning the purpose and scope of the Act. Provides that the Act applies to health insurance issuers that offer short-term, limited-duration health insurance coverage to groups and individuals (rather than only individuals) in the State. Sets forth provisions concerning duration of coverage; cancellation; and disclosure, filing, and coverage requirements of short term, limited-duration health insurance coverage. Sets forth provisions concerning unfair or deceptive practices relating to the sale of supplemental or short-term, limited-duration health insurance coverage. Defines terms. Makes other changes. Effective January 1, 2026.
6	6	LRB103 38256 RPS 68391 b LRB103 38256 RPS 68391 b
7	7	LRB103 38256 RPS 68391 b
8	8	A BILL FOR
9	9	SB3675LRB103 38256 RPS 68391 b SB3675 LRB103 38256 RPS 68391 b
10	10	SB3675 LRB103 38256 RPS 68391 b
11	11	1 AN ACT concerning regulation.
12	12	2 Be it enacted by the People of the State of Illinois,
13	13	3 represented in the General Assembly:
14	14	4 Section 5. The Illinois Insurance Code is amended by
15	15	5 changing Sections 121-2.05, 356z.18, 367.3, 367a, 368f, 424,
16	16	6 425, and 500-70 as follows:
17	17	7 (215 ILCS 5/121-2.05) (from Ch. 73, par. 733-2.05)
18	18	8 Sec. 121-2.05. Group insurance policies issued and
19	19	9 delivered in other State-Transactions in this State. With the
20	20	10 exception of insurance transactions authorized under Sections
21	21	11 230.2 or 367.3 of this Code and transactions subject to the
22	22	12 requirements of the Short-Term, Limited-Duration Health
23	23	13 Insurance Coverage Act, transactions in this State involving
24	24	14 group legal, group life and group accident and health or
25	25	15 blanket accident and health insurance or group annuities where
26	26	16 the master policy of such groups was lawfully issued and
27	27	17 delivered in, and under the laws of, a State in which the
28	28	18 insurer was authorized to do an insurance business, to a group
29	29	19 properly established pursuant to law or regulation, and where
30	30	20 the policyholder is domiciled or otherwise has a bona fide
31	31	21 situs.
32	32	22 (Source: P.A. 86-753.)
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36	36	103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 SB3675 Introduced 2/9/2024, by Sen. Napoleon Harris, III SYNOPSIS AS INTRODUCED:
37	37	See Index See Index
38	38	See Index
39	39	Amends the Illinois Insurance Code. Provides that any failure to make a disclosure or obtain a signed confirmation required under specified provisions of the Short-Term, Limited-Duration Health Insurance Coverage Act is an unfair method of competition and an unfair and deceptive act or practice in the business of insurance. Provides that the Director of Insurance shall have the power to examine and investigate into the affairs of every person subject to specified provisions of the Short-Term, Limited-Duration Health Insurance Coverage Act. Provides that the Director may place on probation, suspend, revoke, or refuse to issue or renew an insurance producer's license or may levy a civil penalty or take any combination of actions for any failure to make a disclosure or obtain a signed confirmation required or any unlawful practice described under specified provisions of the Short-Term, Limited-Duration Health Insurance Coverage Act. Amends the Short-Term, Limited-Duration Health Insurance Coverage Act. Sets forth provisions concerning the purpose and scope of the Act. Provides that the Act applies to health insurance issuers that offer short-term, limited-duration health insurance coverage to groups and individuals (rather than only individuals) in the State. Sets forth provisions concerning duration of coverage; cancellation; and disclosure, filing, and coverage requirements of short term, limited-duration health insurance coverage. Sets forth provisions concerning unfair or deceptive practices relating to the sale of supplemental or short-term, limited-duration health insurance coverage. Defines terms. Makes other changes. Effective January 1, 2026.
40	40	LRB103 38256 RPS 68391 b LRB103 38256 RPS 68391 b
41	41	LRB103 38256 RPS 68391 b
42	42	A BILL FOR
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48	48	See Index
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52	52	LRB103 38256 RPS 68391 b
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67	67	1 (215 ILCS 5/356z.18)
68	68	2 (Text of Section before amendment by P.A. 103-512)
69	69	3 Sec. 356z.18. Prosthetic and customized orthotic devices.
70	70	4 (a) For the purposes of this Section:
71	71	5 "Customized orthotic device" means a supportive device for
72	72	6 the body or a part of the body, the head, neck, or extremities,
73	73	7 and includes the replacement or repair of the device based on
74	74	8 the patient's physical condition as medically necessary,
75	75	9 excluding foot orthotics defined as an in-shoe device designed
76	76	10 to support the structural components of the foot during
77	77	11 weight-bearing activities.
78	78	12 "Licensed provider" means a prosthetist, orthotist, or
79	79	13 pedorthist licensed to practice in this State.
80	80	14 "Prosthetic device" means an artificial device to replace,
81	81	15 in whole or in part, an arm or leg and includes accessories
82	82	16 essential to the effective use of the device and the
83	83	17 replacement or repair of the device based on the patient's
84	84	18 physical condition as medically necessary.
85	85	19 (b) This amendatory Act of the 96th General Assembly shall
86	86	20 provide benefits to any person covered thereunder for expenses
87	87	21 incurred in obtaining a prosthetic or custom orthotic device
88	88	22 from any Illinois licensed prosthetist, licensed orthotist, or
89	89	23 licensed pedorthist as required under the Orthotics,
90	90	24 Prosthetics, and Pedorthics Practice Act.
91	91	25 (c) A group or individual major medical policy of accident
92	92	26 or health insurance or managed care plan or medical, health,
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103	103	1 or hospital service corporation contract that provides
104	104	2 coverage for prosthetic or custom orthotic care and is
105	105	3 amended, delivered, issued, or renewed 6 months after the
106	106	4 effective date of this amendatory Act of the 96th General
107	107	5 Assembly must provide coverage for prosthetic and orthotic
108	108	6 devices in accordance with this subsection (c). The coverage
109	109	7 required under this Section shall be subject to the other
110	110	8 general exclusions, limitations, and financial requirements of
111	111	9 the policy, including coordination of benefits, participating
112	112	10 provider requirements, utilization review of health care
113	113	11 services, including review of medical necessity, case
114	114	12 management, and experimental and investigational treatments,
115	115	13 and other managed care provisions under terms and conditions
116	116	14 that are no less favorable than the terms and conditions that
117	117	15 apply to substantially all medical and surgical benefits
118	118	16 provided under the plan or coverage.
119	119	17 (d) The policy or plan or contract may require prior
120	120	18 authorization for the prosthetic or orthotic devices in the
121	121	19 same manner that prior authorization is required for any other
122	122	20 covered benefit.
123	123	21 (e) Repairs and replacements of prosthetic and orthotic
124	124	22 devices are also covered, subject to the co-payments and
125	125	23 deductibles, unless necessitated by misuse or loss.
126	126	24 (f) A policy or plan or contract may require that, if
127	127	25 coverage is provided through a managed care plan, the benefits
128	128	26 mandated pursuant to this Section shall be covered benefits
129	129
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139	139	1 only if the prosthetic or orthotic devices are provided by a
140	140	2 licensed provider employed by a provider service who contracts
141	141	3 with or is designated by the carrier, to the extent that the
142	142	4 carrier provides in-network and out-of-network service, the
143	143	5 coverage for the prosthetic or orthotic device shall be
144	144	6 offered no less extensively.
145	145	7 (g) The policy or plan or contract shall also meet
146	146	8 adequacy requirements as established by the Health Care
147	147	9 Reimbursement Reform Act of 1985 of the Illinois Insurance
148	148	10 Code.
149	149	11 (h) This Section shall not apply to accident only,
150	150	12 specified disease, short-term travel hospital or medical,
151	151	13 hospital confinement indemnity or other fixed indemnity,
152	152	14 credit, dental, vision, Medicare supplement, long-term care,
153	153	15 basic hospital and medical-surgical expense coverage,
154	154	16 disability income insurance coverage, coverage issued as a
155	155	17 supplement to liability insurance, workers' compensation
156	156	18 insurance, or automobile medical payment insurance.
157	157	19 (Source: P.A. 96-833, eff. 6-1-10.)
158	158	20 (Text of Section after amendment by P.A. 103-512)
159	159	21 Sec. 356z.18. Prosthetic and customized orthotic devices.
160	160	22 (a) For the purposes of this Section:
161	161	23 "Customized orthotic device" means a supportive device for
162	162	24 the body or a part of the body, the head, neck, or extremities,
163	163	25 and includes the replacement or repair of the device based on
164	164
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174	174	1 the patient's physical condition as medically necessary,
175	175	2 excluding foot orthotics defined as an in-shoe device designed
176	176	3 to support the structural components of the foot during
177	177	4 weight-bearing activities.
178	178	5 "Licensed provider" means a prosthetist, orthotist, or
179	179	6 pedorthist licensed to practice in this State.
180	180	7 "Prosthetic device" means an artificial device to replace,
181	181	8 in whole or in part, an arm or leg and includes accessories
182	182	9 essential to the effective use of the device and the
183	183	10 replacement or repair of the device based on the patient's
184	184	11 physical condition as medically necessary.
185	185	12 (b) This amendatory Act of the 96th General Assembly shall
186	186	13 provide benefits to any person covered thereunder for expenses
187	187	14 incurred in obtaining a prosthetic or custom orthotic device
188	188	15 from any Illinois licensed prosthetist, licensed orthotist, or
189	189	16 licensed pedorthist as required under the Orthotics,
190	190	17 Prosthetics, and Pedorthics Practice Act.
191	191	18 (c) A group or individual major medical policy of accident
192	192	19 or health insurance or managed care plan or medical, health,
193	193	20 or hospital service corporation contract that provides
194	194	21 coverage for prosthetic or custom orthotic care and is
195	195	22 amended, delivered, issued, or renewed 6 months after the
196	196	23 effective date of this amendatory Act of the 96th General
197	197	24 Assembly must provide coverage for prosthetic and orthotic
198	198	25 devices in accordance with this subsection (c). The coverage
199	199	26 required under this Section shall be subject to the other
200	200
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210	210	1 general exclusions, limitations, and financial requirements of
211	211	2 the policy, including coordination of benefits, participating
212	212	3 provider requirements, utilization review of health care
213	213	4 services, including review of medical necessity, case
214	214	5 management, and experimental and investigational treatments,
215	215	6 and other managed care provisions under terms and conditions
216	216	7 that are no less favorable than the terms and conditions that
217	217	8 apply to substantially all medical and surgical benefits
218	218	9 provided under the plan or coverage.
219	219	10 (d) With respect to an enrollee at any age, in addition to
220	220	11 coverage of a prosthetic or custom orthotic device required by
221	221	12 this Section, benefits shall be provided for a prosthetic or
222	222	13 custom orthotic device determined by the enrollee's provider
223	223	14 to be the most appropriate model that is medically necessary
224	224	15 for the enrollee to perform physical activities, as
225	225	16 applicable, such as running, biking, swimming, and lifting
226	226	17 weights, and to maximize the enrollee's whole body health and
227	227	18 strengthen the lower and upper limb function.
228	228	19 (e) The requirements of this Section do not constitute an
229	229	20 addition to this State's essential health benefits that
230	230	21 requires defrayal of costs by this State pursuant to 42 U.S.C.
231	231	22 18031(d)(3)(B).
232	232	23 (f) The policy or plan or contract may require prior
233	233	24 authorization for the prosthetic or orthotic devices in the
234	234	25 same manner that prior authorization is required for any other
235	235	26 covered benefit.
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246	246	1 (g) Repairs and replacements of prosthetic and orthotic
247	247	2 devices are also covered, subject to the co-payments and
248	248	3 deductibles, unless necessitated by misuse or loss.
249	249	4 (h) A policy or plan or contract may require that, if
250	250	5 coverage is provided through a managed care plan, the benefits
251	251	6 mandated pursuant to this Section shall be covered benefits
252	252	7 only if the prosthetic or orthotic devices are provided by a
253	253	8 licensed provider employed by a provider service who contracts
254	254	9 with or is designated by the carrier, to the extent that the
255	255	10 carrier provides in-network and out-of-network service, the
256	256	11 coverage for the prosthetic or orthotic device shall be
257	257	12 offered no less extensively.
258	258	13 (i) The policy or plan or contract shall also meet
259	259	14 adequacy requirements as established by the Health Care
260	260	15 Reimbursement Reform Act of 1985 of the Illinois Insurance
261	261	16 Code.
262	262	17 (j) This Section shall not apply to accident only,
263	263	18 specified disease, short-term travel hospital or medical,
264	264	19 hospital confinement indemnity or other fixed indemnity,
265	265	20 credit, dental, vision, Medicare supplement, long-term care,
266	266	21 basic hospital and medical-surgical expense coverage,
267	267	22 disability income insurance coverage, coverage issued as a
268	268	23 supplement to liability insurance, workers' compensation
269	269	24 insurance, or automobile medical payment insurance.
270	270	25 (Source: P.A. 103-512, eff. 1-1-25.)
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281	281	1 (215 ILCS 5/367.3) (from Ch. 73, par. 979.3)
282	282	2 Sec. 367.3. Group accident and health insurance;
283	283	3 discretionary groups.
284	284	4 (a) No group health insurance offered to a resident of
285	285	5 this State under a policy issued to a group, other than one
286	286	6 specifically described in Section 367(1), shall be delivered
287	287	7 or issued for delivery in this State unless the Director
288	288	8 determines that:
289	289	9 (1) the issuance of the policy is not contrary to the
290	290	10 public interest;
291	291	11 (2) the issuance of the policy will result in
292	292	12 economies of acquisition and administration; and
293	293	13 (3) the benefits under the policy are reasonable in
294	294	14 relation to the premium charged.
295	295	15 (b) No such group health insurance may be offered in this
296	296	16 State under a policy issued in another state unless this State
297	297	17 or the state in which the group policy is issued has made a
298	298	18 determination that the requirements of subsection (a) have
299	299	19 been met.
300	300	20 Where insurance is to be offered in this State under a
301	301	21 policy described in this subsection, the insurer shall file
302	302	22 for informational review purposes:
303	303	23 (1) a copy of the group master contract;
304	304	24 (2) a copy of the statute authorizing the issuance of
305	305	25 the group policy in the state of situs, which statute has
306	306	26 the same or similar requirements as this State, or in the
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317	317	1 absence of such statute, a certification by an officer of
318	318	2 the company that the policy meets the Illinois minimum
319	319	3 standards required for individual accident and health
320	320	4 policies under authority of Section 401 of this Code, as
321	321	5 now or hereafter amended, as promulgated by rule at 50
322	322	6 Illinois Administrative Code, Ch. I, Sec. 2007, et seq.,
323	323	7 as now or hereafter amended, or under the Short-Term,
324	324	8 Limited-Duration Health Insurance Coverage Act and rules
325	325	9 thereunder, as applicable, or by a successor rule;
326	326	10 (3) evidence of approval by the state of situs of the
327	327	11 group master policy; and
328	328	12 (4) copies of all supportive material furnished to the
329	329	13 state of situs to satisfy the criteria for approval.
330	330	14 (c) The Director may, at any time after receipt of the
331	331	15 information required under subsection (b) and after finding
332	332	16 that the standards of subsection (a) have not been met, order
333	333	17 the insurer to cease the issuance or marketing of that
334	334	18 coverage in this State.
335	335	19 (d) Notwithstanding subsections (a) and (b), group Group
336	336	20 accident and health insurance subject to the provisions of
337	337	21 this Section is also subject to the provisions of Section 367i
338	338	22 of this Code or the Short-Term, Limited-Duration Health
339	339	23 Insurance Coverage Act, as applicable, and rules thereunder
340	340	24 that pertain to group accident and health insurance.
341	341	25 (Source: P.A. 90-655, eff. 7-30-98.)
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352	352	1 (215 ILCS 5/367a) (from Ch. 73, par. 979a)
353	353	2 Sec. 367a. Blanket accident and health insurance.
354	354	3 (1) Blanket accident and health insurance is that form of
355	355	4 accident and health insurance covering special groups of
356	356	5 persons as enumerated in one of the following paragraphs (a)
357	357	6 to (g), inclusive:
358	358	7 (a) Under a policy or contract issued to any carrier for
359	359	8 hire, which shall be deemed the policyholder, covering a group
360	360	9 defined as all persons who may become passengers on such
361	361	10 carrier.
362	362	11 (b) Under a policy or contract issued to an employer, who
363	363	12 shall be deemed the policyholder, covering all employees or
364	364	13 any group of employees defined by reference to exceptional
365	365	14 hazards incident to such employment.
366	366	15 (c) Under a policy or contract issued to a college,
367	367	16 school, or other institution of learning or to the head or
368	368	17 principal thereof, who or which shall be deemed the
369	369	18 policyholder, covering students or teachers. However, except
370	370	19 where inconsistent with 45 CFR 147.145, student health
371	371	20 insurance coverage other than excepted benefits or short-term,
372	372	21 limited-duration health insurance coverage that is provided
373	373	22 pursuant to a written agreement with an institution of higher
374	374	23 education for the benefit of its enrolled students and their
375	375	24 dependents shall remain subject to the standards and
376	376	25 requirements for individual health insurance coverage.
377	377	26 (d) Under a policy or contract issued in the name of any
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388	388	1 volunteer fire department, first aid, or other such volunteer
389	389	2 group, which shall be deemed the policyholder, covering all of
390	390	3 the members of such department or group.
391	391	4 (e) Under a policy or contract issued to a creditor, who
392	392	5 shall be deemed the policyholder, to insure debtors of the
393	393	6 creditors; Provided, however, that in the case of a loan which
394	394	7 is subject to the Small Loans Act, no insurance premium or
395	395	8 other cost shall be directly or indirectly charged or assessed
396	396	9 against, or collected or received from the borrower.
397	397	10 (f) Under a policy or contract issued to a sports team or
398	398	11 to a camp, which team or camp sponsor shall be deemed the
399	399	12 policyholder, covering members or campers.
400	400	13 (g) Under a policy or contract issued to any other
401	401	14 substantially similar group which, in the discretion of the
402	402	15 Director, may be subject to the issuance of a blanket accident
403	403	16 and health policy or contract.
404	404	17 (2) Any insurance company authorized to write accident and
405	405	18 health insurance in this state shall have the power to issue
406	406	19 blanket accident and health insurance. No such blanket policy
407	407	20 may be issued or delivered in this State unless a copy of the
408	408	21 form thereof shall have been filed in accordance with Section
409	409	22 355, and it contains in substance such of those provisions
410	410	23 contained in Sections 357.1 through 357.30 as may be
411	411	24 applicable to blanket accident and health insurance and the
412	412	25 following provisions:
413	413	26 (a) A provision that the policy and the application shall
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424	424	1 constitute the entire contract between the parties, and that
425	425	2 all statements made by the policyholder shall, in absence of
426	426	3 fraud, be deemed representations and not warranties, and that
427	427	4 no such statements shall be used in defense to a claim under
428	428	5 the policy, unless it is contained in a written application.
429	429	6 (b) A provision that to the group or class thereof
430	430	7 originally insured shall be added from time to time all new
431	431	8 persons or individuals eligible for coverage.
432	432	9 (3) An individual application shall not be required from a
433	433	10 person covered under a blanket accident or health policy or
434	434	11 contract, nor shall it be necessary for the insurer to furnish
435	435	12 each person a certificate.
436	436	13 (4) All benefits under any blanket accident and health
437	437	14 policy shall be payable to the person insured, or to his
438	438	15 designated beneficiary or beneficiaries, or to his or her
439	439	16 estate, except that if the person insured be a minor or person
440	440	17 under legal disability, such benefits may be made payable to
441	441	18 his or her parent, guardian, or other person actually
442	442	19 supporting him or her. Provided further, however, that the
443	443	20 policy may provide that all or any portion of any indemnities
444	444	21 provided by any such policy on account of hospital, nursing,
445	445	22 medical or surgical services may, at the insurer's option, be
446	446	23 paid directly to the hospital or person rendering such
447	447	24 services; but the policy may not require that the service be
448	448	25 rendered by a particular hospital or person. Payment so made
449	449	26 shall discharge the insurer's obligation with respect to the
450	450
451	451
452	452
453	453
454	454
455	455	SB3675 - 12 - LRB103 38256 RPS 68391 b
456	456
457	457
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459	459	SB3675 - 13 - LRB103 38256 RPS 68391 b
460	460	1 amount of insurance so paid.
461	461	2 (5) Nothing contained in this section shall be deemed to
462	462	3 affect the legal liability of policyholders for the death of
463	463	4 or injury to, any such member of such group.
464	464	5 (Source: P.A. 83-1362.)
465	465	6 (215 ILCS 5/368f)
466	466	7 Sec. 368f. Military service member insurance
467	467	8 reinstatement.
468	468	9 (a) No Illinois resident activated for military service
469	469	10 and no spouse or dependent of the resident who becomes
470	470	11 eligible for a federal government-sponsored health insurance
471	471	12 program, including the TriCare program providing coverage for
472	472	13 civilian dependents of military personnel, as a result of the
473	473	14 activation shall be denied reinstatement into the same
474	474	15 individual health insurance coverage with the health insurer
475	475	16 that the resident lapsed as a result of activation or becoming
476	476	17 covered by the federal government-sponsored health insurance
477	477	18 program. The resident shall have the right to reinstatement in
478	478	19 the same individual health insurance coverage without medical
479	479	20 underwriting, subject to payment of the current premium
480	480	21 charged to other persons of the same age and gender that are
481	481	22 covered under the same individual health coverage. Except in
482	482	23 the case of birth or adoption that occurs during the period of
483	483	24 activation, reinstatement must be into the same coverage type
484	484	25 as the resident held prior to lapsing the individual health
485	485
486	486
487	487
488	488
489	489
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491	491
492	492
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494	494	SB3675 - 14 - LRB103 38256 RPS 68391 b
495	495	1 insurance coverage and at the same or, at the option of the
496	496	2 resident, higher deductible level. The reinstatement rights
497	497	3 provided under this subsection (a) are not available to a
498	498	4 resident or dependents if the activated person is discharged
499	499	5 from the military under other than honorable conditions.
500	500	6 (b) The health insurer with which the reinstatement is
501	501	7 being requested must receive a request for reinstatement no
502	502	8 later than 63 days following the later of (i) deactivation or
503	503	9 (ii) loss of coverage under the federal government-sponsored
504	504	10 health insurance program. The health insurer may request proof
505	505	11 of loss of coverage and the timing of the loss of coverage of
506	506	12 the government-sponsored coverage in order to determine
507	507	13 eligibility for reinstatement into the individual coverage.
508	508	14 The effective date of the reinstatement of individual health
509	509	15 coverage shall be the first of the month following receipt of
510	510	16 the notice requesting reinstatement.
511	511	17 (c) All insurers must provide written notice to the
512	512	18 policyholder of individual health coverage of the rights
513	513	19 described in subsection (a) of this Section. In lieu of the
514	514	20 inclusion of the notice in the individual health insurance
515	515	21 policy, an insurance company may satisfy the notification
516	516	22 requirement by providing a single written notice:
517	517	23 (1) in conjunction with the enrollment process for a
518	518	24 policyholder initially enrolling in the individual
519	519	25 coverage on or after the effective date of this amendatory
520	520	26 Act of the 94th General Assembly; or
521	521
522	522
523	523
524	524
525	525
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527	527
528	528
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530	530	SB3675 - 15 - LRB103 38256 RPS 68391 b
531	531	1 (2) by mailing written notice to policyholders whose
532	532	2 coverage was effective prior to the effective date of this
533	533	3 amendatory Act of the 94th General Assembly no later than
534	534	4 90 days following the effective date of this amendatory
535	535	5 Act of the 94th General Assembly.
536	536	6 (d) The provisions of subsection (a) of this Section do
537	537	7 not apply to any policy or certificate providing coverage for
538	538	8 any specified disease, specified accident or accident-only
539	539	9 coverage, credit, dental, disability income, hospital
540	540	10 indemnity or other fixed indemnity, long-term care, Medicare
541	541	11 supplement, vision care, or short-term travel nonrenewable
542	542	12 health policy or other limited-benefit supplemental insurance,
543	543	13 or any coverage issued as a supplement to any liability
544	544	14 insurance, workers' compensation or similar insurance, or any
545	545	15 insurance under which benefits are payable with or without
546	546	16 regard to fault, whether written on a group, blanket, or
547	547	17 individual basis.
548	548	18 (e) Nothing in this Section shall require an insurer to
549	549	19 reinstate the resident if the insurer requires residency in an
550	550	20 enrollment area and those residency requirements are not met
551	551	21 after deactivation or loss of coverage under the
552	552	22 government-sponsored health insurance program.
553	553	23 (f) All terms, conditions, and limitations of the
554	554	24 individual coverage into which reinstatement is made apply
555	555	25 equally to all insureds enrolled in the coverage.
556	556	26 (g) The Secretary may adopt rules as may be necessary to
557	557
558	558
559	559
560	560
561	561
562	562	SB3675 - 15 - LRB103 38256 RPS 68391 b
563	563
564	564
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566	566	SB3675 - 16 - LRB103 38256 RPS 68391 b
567	567	1 carry out the provisions of this Section.
568	568	2 (Source: P.A. 94-1037, eff. 7-20-06.)
569	569	3 (215 ILCS 5/424) (from Ch. 73, par. 1031)
570	570	4 Sec. 424. Unfair methods of competition and unfair or
571	571	5 deceptive acts or practices defined. The following are hereby
572	572	6 defined as unfair methods of competition and unfair and
573	573	7 deceptive acts or practices in the business of insurance:
574	574	8 (1) The commission by any person of any one or more of
575	575	9 the acts defined or prohibited by Sections 134, 143.24c,
576	576	10 147, 148, 149, 151, 155.22, 155.22a, 155.42, 236, 237,
577	577	11 364, 469, and 513b1 of this Code.
578	578	12 (2) Entering into any agreement to commit, or by any
579	579	13 concerted action committing, any act of boycott, coercion
580	580	14 or intimidation resulting in or tending to result in
581	581	15 unreasonable restraint of, or monopoly in, the business of
582	582	16 insurance.
583	583	17 (3) Making or permitting, in the case of insurance of
584	584	18 the types enumerated in Classes 1, 2, and 3 of Section 4,
585	585	19 any unfair discrimination between individuals or risks of
586	586	20 the same class or of essentially the same hazard and
587	587	21 expense element because of the race, color, religion, or
588	588	22 national origin of such insurance risks or applicants. The
589	589	23 application of this Article to the types of insurance
590	590	24 enumerated in Class 1 of Section 4 shall in no way limit,
591	591	25 reduce, or impair the protections and remedies already
592	592
593	593
594	594
595	595
596	596
597	597	SB3675 - 16 - LRB103 38256 RPS 68391 b
598	598
599	599
600	600	SB3675- 17 -LRB103 38256 RPS 68391 b SB3675 - 17 - LRB103 38256 RPS 68391 b
601	601	SB3675 - 17 - LRB103 38256 RPS 68391 b
602	602	1 provided for by Sections 236 and 364 of this Code or any
603	603	2 other provision of this Code.
604	604	3 (4) Engaging in any of the acts or practices defined
605	605	4 in or prohibited by Sections 154.5 through 154.8 of this
606	606	5 Code.
607	607	6 (5) Making or charging any rate for insurance against
608	608	7 losses arising from the use or ownership of a motor
609	609	8 vehicle which requires a higher premium of any person by
610	610	9 reason of his physical disability, race, color, religion,
611	611	10 or national origin.
612	612	11 (6) Failing to meet any requirement of the Unclaimed
613	613	12 Life Insurance Benefits Act with such frequency as to
614	614	13 constitute a general business practice.
615	615	14 (7) Failing to make a disclosure or obtain a signed
616	616	15 confirmation required under Section 15 of the Short-Term,
617	617	16 Limited-Duration Health Insurance Coverage Act or any
618	618	17 unlawful practice described in Section 30 of the
619	619	18 Short-Term, Limited-Duration Health Insurance Coverage
620	620	19 Act.
621	621	20 (Source: P.A. 102-778, eff. 7-1-22.)
622	622	21 (215 ILCS 5/425) (from Ch. 73, par. 1032)
623	623	22 Sec. 425. Power of Director.
624	624	23 The Director shall have power to examine and investigate
625	625	24 into the affairs of every person engaged in the business of
626	626	25 insurance in this State, or otherwise subject to the
627	627
628	628
629	629
630	630
631	631
632	632	SB3675 - 17 - LRB103 38256 RPS 68391 b
633	633
634	634
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636	636	SB3675 - 18 - LRB103 38256 RPS 68391 b
637	637	1 provisions of Section 30 of the Short-Term, Limited-Duration
638	638	2 Health Insurance Coverage Act, and to examine and investigate
639	639	3 into the affairs of any person domiciled in or resident of this
640	640	4 State engaged in the business of insurance in any other State,
641	641	5 Territory, Province, Possession, Country or District in which
642	642	6 he is not licensed or otherwise authorized to transact
643	643	7 business in order to determine whether such person has been or
644	644	8 is engaged in any unfair method of competition or in any unfair
645	645	9 or deceptive act or practice prohibited by Section 424.
646	646	10 (Source: Laws 1967, p. 990.)
647	647	11 (215 ILCS 5/500-70)
648	648	12 (Section scheduled to be repealed on January 1, 2027)
649	649	13 Sec. 500-70. License denial, nonrenewal, or revocation.
650	650	14 (a) The Director may place on probation, suspend, revoke,
651	651	15 or refuse to issue or renew an insurance producer's license or
652	652	16 may levy a civil penalty in accordance with this Section or
653	653	17 take any combination of actions, for any one or more of the
654	654	18 following causes:
655	655	19 (1) providing incorrect, misleading, incomplete, or
656	656	20 materially untrue information in the license application;
657	657	21 (2) violating any insurance laws, or violating any
658	658	22 rule, subpoena, or order of the Director or of another
659	659	23 state's insurance commissioner;
660	660	24 (3) obtaining or attempting to obtain a license
661	661	25 through misrepresentation or fraud;
662	662
663	663
664	664
665	665
666	666
667	667	SB3675 - 18 - LRB103 38256 RPS 68391 b
668	668
669	669
670	670	SB3675- 19 -LRB103 38256 RPS 68391 b SB3675 - 19 - LRB103 38256 RPS 68391 b
671	671	SB3675 - 19 - LRB103 38256 RPS 68391 b
672	672	1 (4) improperly withholding, misappropriating or
673	673	2 converting any moneys or properties received in the course
674	674	3 of doing insurance business;
675	675	4 (5) intentionally misrepresenting the terms of an
676	676	5 actual or proposed insurance contract or application for
677	677	6 insurance;
678	678	7 (6) having been convicted of a felony, unless the
679	679	8 individual demonstrates to the Director sufficient
680	680	9 rehabilitation to warrant the public trust; consideration
681	681	10 of such conviction of an applicant shall be in accordance
682	682	11 with Section 500-76;
683	683	12 (7) having admitted or been found to have committed
684	684	13 any insurance unfair trade practice or fraud;
685	685	14 (8) using fraudulent, coercive, or dishonest
686	686	15 practices, or demonstrating incompetence,
687	687	16 untrustworthiness or financial irresponsibility in the
688	688	17 conduct of business in this State or elsewhere;
689	689	18 (9) having an insurance producer license, or its
690	690	19 equivalent, denied, suspended, or revoked in any other
691	691	20 state, province, district or territory;
692	692	21 (10) forging a name to an application for insurance or
693	693	22 to a document related to an insurance transaction;
694	694	23 (11) improperly using notes or any other reference
695	695	24 material to complete an examination for an insurance
696	696	25 license;
697	697	26 (12) knowingly accepting insurance business from an
698	698
699	699
700	700
701	701
702	702
703	703	SB3675 - 19 - LRB103 38256 RPS 68391 b
704	704
705	705
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707	707	SB3675 - 20 - LRB103 38256 RPS 68391 b
708	708	1 individual who is not licensed;
709	709	2 (13) failing to comply with an administrative or court
710	710	3 order imposing a child support obligation;
711	711	4 (14) failing to pay state income tax or penalty or
712	712	5 interest or comply with any administrative or court order
713	713	6 directing payment of state income tax or failed to file a
714	714	7 return or to pay any final assessment of any tax due to the
715	715	8 Department of Revenue;
716	716	9 (15) (blank); or
717	717	10 (16) failing to comply with any provision of the
718	718	11 Viatical Settlements Act of 2009; or .
719	719	12 (17) failing to make a disclosure or obtain a signed
720	720	13 confirmation required under Section 15 of the Short-Term,
721	721	14 Limited-Duration Health Insurance Coverage Act or any
722	722	15 unlawful practice described in Section 30 of the
723	723	16 Short-Term, Limited-Duration Health Insurance Coverage
724	724	17 Act.
725	725	18 (b) If the action by the Director is to nonrenew, suspend,
726	726	19 or revoke a license or to deny an application for a license,
727	727	20 the Director shall notify the applicant or licensee and
728	728	21 advise, in writing, the applicant or licensee of the reason
729	729	22 for the suspension, revocation, denial or nonrenewal of the
730	730	23 applicant's or licensee's license. The applicant or licensee
731	731	24 may make written demand upon the Director within 30 days after
732	732	25 the date of mailing for a hearing before the Director to
733	733	26 determine the reasonableness of the Director's action. The
734	734
735	735
736	736
737	737
738	738
739	739	SB3675 - 20 - LRB103 38256 RPS 68391 b
740	740
741	741
742	742	SB3675- 21 -LRB103 38256 RPS 68391 b SB3675 - 21 - LRB103 38256 RPS 68391 b
743	743	SB3675 - 21 - LRB103 38256 RPS 68391 b
744	744	1 hearing must be held within not fewer than 20 days nor more
745	745	2 than 30 days after the mailing of the notice of hearing and
746	746	3 shall be held pursuant to 50 Ill. Adm. Code 2402.
747	747	4 (c) The license of a business entity may be suspended,
748	748	5 revoked, or refused if the Director finds, after hearing, that
749	749	6 an individual licensee's violation was known or should have
750	750	7 been known by one or more of the partners, officers, or
751	751	8 managers acting on behalf of the partnership, corporation,
752	752	9 limited liability company, or limited liability partnership
753	753	10 and the violation was neither reported to the Director nor
754	754	11 corrective action taken.
755	755	12 (d) In addition to or instead of any applicable denial,
756	756	13 suspension, or revocation of a license, a person may, after
757	757	14 hearing, be subject to a civil penalty of up to $10,000 for
758	758	15 each cause for denial, suspension, or revocation, however, the
759	759	16 civil penalty may total no more than $100,000.
760	760	17 (e) The Director has the authority to enforce the
761	761	18 provisions of and impose any penalty or remedy authorized by
762	762	19 this Article against any person who is under investigation for
763	763	20 or charged with a violation of this Code or rules even if the
764	764	21 person's license or registration has been surrendered or has
765	765	22 lapsed by operation of law.
766	766	23 (f) Upon the suspension, denial, or revocation of a
767	767	24 license, the licensee or other person having possession or
768	768	25 custody of the license shall promptly deliver it to the
769	769	26 Director in person or by mail. The Director shall publish all
770	770
771	771
772	772
773	773
774	774
775	775	SB3675 - 21 - LRB103 38256 RPS 68391 b
776	776
777	777
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779	779	SB3675 - 22 - LRB103 38256 RPS 68391 b
780	780	1 suspensions, denials, or revocations after the suspensions,
781	781	2 denials, or revocations become final in a manner designed to
782	782	3 notify interested insurance companies and other persons.
783	783	4 (g) A person whose license is revoked or whose application
784	784	5 is denied pursuant to this Section is ineligible to apply for
785	785	6 any license for 3 years after the revocation or denial. A
786	786	7 person whose license as an insurance producer has been
787	787	8 revoked, suspended, or denied may not be employed, contracted,
788	788	9 or engaged in any insurance related capacity during the time
789	789	10 the revocation, suspension, or denial is in effect.
790	790	11 (Source: P.A. 100-286, eff. 1-1-18; 100-872, eff. 8-14-18.)
791	791	12 Section 10. The Short-Term, Limited-Duration Health
792	792	13 Insurance Coverage Act is amended by changing Sections 5, 10,
793	793	14 15, and 20 and by adding Sections 2, 25, 30, and 35 as follows:
794	794	15 (215 ILCS 190/2 new)
795	795	16 Sec. 2. Purpose and scope. This Act is intended to
796	796	17 regulate the sale, solicitation, and marketing of short-term,
797	797	18 limited-duration health insurance coverage to insurance
798	798	19 consumers, and the referral of insurance consumers to
799	799	20 short-term, limited-duration health insurance coverage, and to
800	800	21 protect consumers from confusing or deceptive marketing
801	801	22 practices. This Act applies to health insurance issuers and
802	802	23 insurance producers. Additionally, except as provided therein,
803	803	24 Section 30 applies to any other person whose business
804	804
805	805
806	806
807	807
808	808
809	809	SB3675 - 22 - LRB103 38256 RPS 68391 b
810	810
811	811
812	812	SB3675- 23 -LRB103 38256 RPS 68391 b SB3675 - 23 - LRB103 38256 RPS 68391 b
813	813	SB3675 - 23 - LRB103 38256 RPS 68391 b
814	814	1 transactions include advertising, referring, or directing
815	815	2 prospective insurance purchasers or enrollees to health
816	816	3 insurance coverage even when such persons are not otherwise
817	817	4 required to obtain a license, certificate, or registration
818	818	5 from the Department.
819	819	6 (215 ILCS 190/5)
820	820	7 Sec. 5. Definitions. In this Act:
821	821	8 "Department" means the Department of Insurance.
822	822	9 "Excepted benefits" has the meaning given to that term in
823	823	10 42 U.S.C. 300gg-91(c) and regulations thereunder.
824	824	11 "Health insurance coverage" has the meaning given to that
825	825	12 term in Section 5 of the Illinois Health Insurance Portability
826	826	13 and Accountability Act.
827	827	14 "Health insurance issuer" has the meaning given to that
828	828	15 term in Section 5 of the Illinois Health Insurance Portability
829	829	16 and Accountability Act.
830	830	17 "Health insurance issuer doing direct sales" means a
831	831	18 health insurance issuer that provides a means to accept a
832	832	19 completed application or enrollment form for a policy or
833	833	20 certificate of health insurance coverage directly from an
834	834	21 individual or group without any prior live interaction or
835	835	22 written correspondence between that individual or group and an
836	836	23 insurance producer. A "health insurance issuer doing direct
837	837	24 sales" includes a health insurance issuer that accepts an
838	838	25 application for health insurance coverage through its own
839	839
840	840
841	841
842	842
843	843
844	844	SB3675 - 23 - LRB103 38256 RPS 68391 b
845	845
846	846
847	847	SB3675- 24 -LRB103 38256 RPS 68391 b SB3675 - 24 - LRB103 38256 RPS 68391 b
848	848	SB3675 - 24 - LRB103 38256 RPS 68391 b
849	849	1 website. A "health insurance issuer doing direct sales" does
850	850	2 not include the enrollment of individuals under a group policy
851	851	3 by a non-producer representative of the group or the group's
852	852	4 own website.
853	853	5 "Fraud" means an intentional misrepresentation of a
854	854	6 material fact in connection with the coverage.
855	855	7 "Person" means any natural or legal person, organization,
856	856	8 body, association, corporation, company, partnership, society,
857	857	9 order, aggregation of individuals, or other entity described
858	858	10 under any State or federal law.
859	859	11 "Short-term, limited-duration health insurance coverage"
860	860	12 means health insurance coverage, other than excepted benefits,
861	861	13 provided pursuant to a policy or certificate with an issuer,
862	862	14 regardless of the situs of the delivery of the policy, that has
863	863	15 an expiration date of is less than 365 days after the effective
864	864	16 date of the policy or certificate.
865	865	17 (Source: P.A. 100-1118, eff. 11-27-18.)
866	866	18 (215 ILCS 190/10)
867	867	19 Sec. 10. Application; scope; duration of coverage.
868	868	20 (a) This Act applies to health insurance issuers that
869	869	21 offer short-term, limited-duration health insurance coverage
870	870	22 to groups and individuals in this State and to short-term,
871	871	23 limited-duration health insurance coverage that is delivered
872	872	24 or issued for delivery in this State, including group coverage
873	873	25 issued outside of this State that covers individuals in this
874	874
875	875
876	876
877	877
878	878
879	879	SB3675 - 24 - LRB103 38256 RPS 68391 b
880	880
881	881
882	882	SB3675- 25 -LRB103 38256 RPS 68391 b SB3675 - 25 - LRB103 38256 RPS 68391 b
883	883	SB3675 - 25 - LRB103 38256 RPS 68391 b
884	884	1 State.
885	885	2 (b) A short-term, limited-duration health insurance
886	886	3 coverage policy or certificate may not be issued or delivered
887	887	4 to any natural or legal person residing in this State unless
888	888	5 the policy or certificate, when delivered or issued for
889	889	6 delivery in this State, complies with the provisions of this
890	890	7 Act.
891	891	8 (b-5) In addition to the entities recognized under Section
892	892	9 230.1 or 367 of the Illinois Insurance Code or under the Health
893	893	10 Maintenance Organization Act as eligible for group coverage, a
894	894	11 group policy of short-term, limited-duration health insurance
895	895	12 coverage may be issued to an institution of higher education
896	896	13 for the benefit of its enrolled students and their dependents
897	897	14 for purposes of this Act.
898	898	15 (c) Any short-term, limited-duration health insurance
899	899	16 coverage policy or certificate that is delivered or issued for
900	900	17 delivery in this State must have an expiration date in the
901	901	18 policy that is less than the lesser of 181 days after the
902	902	19 effective date or any applicable time limitation provided in
903	903	20 federal law or regulation and shall not be renewable or
904	904	21 extendable within a period of 365 days after the individual's
905	905	22 coverage under the policy ends, either at the option of the
906	906	23 issuer or the individual. Renewal of a short-term,
907	907	24 limited-duration health insurance coverage policy or
908	908	25 certificate includes the issuance of a new or different
909	909	26 short-term, limited-duration health insurance policy or
910	910
911	911
912	912
913	913
914	914
915	915	SB3675 - 25 - LRB103 38256 RPS 68391 b
916	916
917	917
918	918	SB3675- 26 -LRB103 38256 RPS 68391 b SB3675 - 26 - LRB103 38256 RPS 68391 b
919	919	SB3675 - 26 - LRB103 38256 RPS 68391 b
920	920	1 certificate by an issuer to a policyholder within 60 days
921	921	2 after the expiration of a policy or certificate previously
922	922	3 issued by the issuer to the policyholder.
923	923	4 (d) An issuer may not rescind any Any short-term,
924	924	5 limited-duration health insurance coverage policy or
925	925	6 certificate that is delivered or issued for delivery in this
926	926	7 State may not be rescinded before the expiration date in the
927	927	8 policy, except as provided in Section 154 of the Illinois
928	928	9 Insurance Code. An issuer may not cancel any such policy or
929	929	10 certificate except for nonpayment of premiums or for fraud in
930	930	11 the making of a claim or an application for the policy or
931	931	12 certificate. Notwithstanding Section 357.22 of the Illinois
932	932	13 Insurance Code, cancellations for nonpayment of premiums shall
933	933	14 not be valid except upon 10 days' notice but may be effectuated
934	934	15 retroactively back to the last date of coverage for which
935	935	16 premiums were paid in cases of nonpayment of premiums, fraud,
936	936	17 or as provided in subsection (e).
937	937	18 (e) Any short-term, limited-duration health insurance
938	938	19 coverage policy or certificate that is delivered or issued for
939	939	20 delivery in this State shall contain an option for an
940	940	21 individual to cancel coverage after any 30-day interval during
941	941	22 the term of the plan, counting such intervals from the
942	942	23 effective date of coverage.
943	943	24 (Source: P.A. 100-1118, eff. 11-27-18.)
944	944	25 (215 ILCS 190/15)
945	945
946	946
947	947
948	948
949	949
950	950	SB3675 - 26 - LRB103 38256 RPS 68391 b
951	951
952	952
953	953	SB3675- 27 -LRB103 38256 RPS 68391 b SB3675 - 27 - LRB103 38256 RPS 68391 b
954	954	SB3675 - 27 - LRB103 38256 RPS 68391 b
955	955	1 Sec. 15. Disclosure requirements.
956	956	2 (a) A health insurance issuer that offers short-term,
957	957	3 limited-duration health insurance coverage to be delivered or
958	958	4 issued for delivery in this State shall, in addition to all
959	959	5 other documents required, including, but not limited to, the
960	960	6 policy, the certificate, the membership booklet, the completed
961	961	7 and signed application or enrollment form, all signed
962	962	8 confirmations required by this Section, and a description of
963	963	9 appeal and external review rights, deliver an outline of
964	964	10 coverage to an applicant for or an enrollee in short-term,
965	965	11 limited-duration health insurance coverage delivered or issued
966	966	12 for delivery in this State.
967	967	13 (b) Any short-term, limited-duration health insurance
968	968	14 coverage policy that is delivered or issued for delivery in
969	969	15 the State shall display prominently in the policy, any
970	970	16 application, sales, and marketing materials provided in
971	971	17 connection with enrollment in such coverage, and the outline
972	972	18 of coverage for such coverage, in at least 14-point, bold
973	973	19 type, the following: "NOTICE: THE SHORT-TERM, LIMITED-DURATION
974	974	20 INSURANCE BENEFITS UNDER THIS COVERAGE DO NOT MEET ALL FEDERAL
975	975	21 REQUIREMENTS TO QUALIFY AS "MINIMUM ESSENTIAL COVERAGE" FOR
976	976	22 HEALTH INSURANCE UNDER THE AFFORDABLE CARE ACT. THIS PLAN OF
977	977	23 COVERAGE DOES NOT INCLUDE ALL ESSENTIAL HEALTH BENEFITS AS
978	978	24 REQUIRED BY THE AFFORDABLE CARE ACT. PREEXISTING CONDITIONS
979	979	25 ARE NOT COVERED UNDER THIS PLAN OF COVERAGE. BE SURE TO CHECK
980	980	26 YOUR POLICY CAREFULLY TO MAKE SURE YOU UNDERSTAND WHAT THE
981	981
982	982
983	983
984	984
985	985
986	986	SB3675 - 27 - LRB103 38256 RPS 68391 b
987	987
988	988
989	989	SB3675- 28 -LRB103 38256 RPS 68391 b SB3675 - 28 - LRB103 38256 RPS 68391 b
990	990	SB3675 - 28 - LRB103 38256 RPS 68391 b
991	991	1 POLICY DOES AND DOES NOT COVER. IF THIS COVERAGE EXPIRES OR YOU
992	992	2 LOSE ELIGIBILITY FOR THIS COVERAGE, YOU MIGHT HAVE TO WAIT
993	993	3 UNTIL THE NEXT OPEN ENROLLMENT PERIOD TO GET OTHER HEALTH
994	994	4 INSURANCE COVERAGE. YOU MAY BE ABLE TO GET LONGER TERM
995	995	5 INSURANCE THAT QUALIFIES AS "MINIMUM ESSENTIAL COVERAGE" FOR
996	996	6 HEALTH INSURANCE UNDER THE AFFORDABLE CARE ACT NOW AND HELP TO
997	997	7 PAY FOR IT AT WWW.HEALTHCARE.GOV.".
998	998	8 (c)(1) Before enrolling any individual or accepting any
999	999	9 application for group or individual short-term,
1000	1000	10 limited-duration health insurance coverage to be delivered or
1001	1001	11 issued for delivery in this State, an insurance producer or a
1002	1002	12 health insurance issuer doing direct sales shall provide a
1003	1003	13 disclosure to the prospective purchaser or enrollee to reflect
1004	1004	14 each essential health benefit in the State of Illinois,
1005	1005	15 identify whether the policy or certificate covers that
1006	1006	16 benefit, and obtain the prospective purchaser or enrollee's
1007	1007	17 signed confirmation of receipt of this disclosure. The signed
1008	1008	18 confirmation document must be in at least 12-point type and
1009	1009	19 must include the complete list of essential health benefits
1010	1010	20 and an indication for each benefit as to whether the policy or
1011	1011	21 certificate covers it to the extent provided in the Illinois
1012	1012	22 Essential Health Benefits Benchmark Plan. The confirmation
1013	1013	23 document may be included within the application. An insurance
1014	1014	24 producer or other representative of an issuer or its
1015	1015	25 administrator may not sign on the prospective purchaser or
1016	1016	26 enrollee's behalf.
1017	1017
1018	1018
1019	1019
1020	1020
1021	1021
1022	1022	SB3675 - 28 - LRB103 38256 RPS 68391 b
1023	1023
1024	1024
1025	1025	SB3675- 29 -LRB103 38256 RPS 68391 b SB3675 - 29 - LRB103 38256 RPS 68391 b
1026	1026	SB3675 - 29 - LRB103 38256 RPS 68391 b
1027	1027	1 (2) For coverage offered to an individual in this State
1028	1028	2 under a group policy by a representative of the group
1029	1029	3 policyholder or its administrator, if the issuer does not
1030	1030	4 receive the signed confirmation within or with the
1031	1031	5 individual's completed and signed application or enrollment
1032	1032	6 form, the issuer must provide this disclosure to the
1033	1033	7 individual and obtain the individual's signed confirmation
1034	1034	8 before enrolling the individual under the coverage.
1035	1035	9 (d)(1) Before enrolling any individual or accepting any
1036	1036	10 individual application for short-term, limited-duration health
1037	1037	11 insurance coverage, an insurance producer or a health
1038	1038	12 insurance issuer doing direct sales must provide a disclosure
1039	1039	13 of the complete list of qualifying events for special
1040	1040	14 enrollment with the prospective purchaser or enrollee, prompt
1041	1041	15 the applicant or enrollee to identify any qualifying event for
1042	1042	16 special enrollment that applies to the applicant or enrollee
1043	1043	17 on the date the short-term, limited-duration health insurance
1044	1044	18 coverage is submitted, and obtain the prospective purchaser or
1045	1045	19 enrollee's signed confirmation as to whether the individual
1046	1046	20 has experienced a qualifying event within the time frames
1047	1047	21 provided under the Patient Protection and Affordable Care Act.
1048	1048	22 The signed confirmation must be in at least 12-point type and
1049	1049	23 must include the complete list of qualifying events, the
1050	1050	24 relevant time frames for each, and an indication for each
1051	1051	25 qualifying event as to whether it applies to the individual.
1052	1052	26 This signed confirmation may be included within the
1053	1053
1054	1054
1055	1055
1056	1056
1057	1057
1058	1058	SB3675 - 29 - LRB103 38256 RPS 68391 b
1059	1059
1060	1060
1061	1061	SB3675- 30 -LRB103 38256 RPS 68391 b SB3675 - 30 - LRB103 38256 RPS 68391 b
1062	1062	SB3675 - 30 - LRB103 38256 RPS 68391 b
1063	1063	1 application. An insurance producer or other representative of
1064	1064	2 the issuer or its administrator may not sign the confirmation
1065	1065	3 on the individual's behalf.
1066	1066	4 (2) If the individual qualifies for special enrollment, or
1067	1067	5 during an open enrollment period described in 42 U.S.C.
1068	1068	6 300gg-1, the issuer or producer, before accepting the
1069	1069	7 application or enrollment, must inform the individual in
1070	1070	8 writing or via face-to-face interaction, telephone call, or
1071	1071	9 voicemail about the availability of qualified health plans on
1072	1072	10 the healthcare.gov website. If the issuer or producer also
1073	1073	11 offers policies in the individual market, the issuer or
1074	1074	12 producer may also inform the individual of the availability of
1075	1075	13 such plans.
1076	1076	14 (3) For coverage offered to an individual in this State
1077	1077	15 under a group policy by a representative of the group
1078	1078	16 policyholder or its administrator, if the issuer does not
1079	1079	17 receive the signed confirmation regarding qualifying events
1080	1080	18 within or with the individual's completed and signed
1081	1081	19 application or enrollment form, the issuer must provide this
1082	1082	20 disclosure to the individual and obtain the individual's
1083	1083	21 signed confirmation regarding qualifying events before
1084	1084	22 enrolling the individual under the coverage. If the individual
1085	1085	23 indicates that a qualifying event has occurred within the
1086	1086	24 relevant time frame, the issuer must comply with paragraph
1087	1087	25 (2).
1088	1088	26 (e) A health insurance issuer shall provide a website
1089	1089
1090	1090
1091	1091
1092	1092
1093	1093
1094	1094	SB3675 - 30 - LRB103 38256 RPS 68391 b
1095	1095
1096	1096
1097	1097	SB3675- 31 -LRB103 38256 RPS 68391 b SB3675 - 31 - LRB103 38256 RPS 68391 b
1098	1098	SB3675 - 31 - LRB103 38256 RPS 68391 b
1099	1099	1 where prospective purchasers or enrollees can review the
1100	1100	2 sample policy or certificate and the outline of coverage
1101	1101	3 before submitting their application or enrollment form. The
1102	1102	4 availability of this website shall be disclosed on the
1103	1103	5 application or enrollment form and in any sales or marketing
1104	1104	6 materials for the coverage.
1105	1105	7 (f) The policy or certificate and any application or
1106	1106	8 enrollment form must contain a provision stating that, during
1107	1107	9 a period of 10 days from the date the policy or certificate is
1108	1108	10 delivered, the group or individual may submit a written
1109	1109	11 request for retroactive cancellation of coverage and that in
1110	1110	12 such event the issuer will refund any premium paid for the
1111	1111	13 policy or certificate, including any contract fees or other
1112	1112	14 charges.
1113	1113	15 (g) In addition to the written disclosures, any insurance
1114	1114	16 producer (c) Any individual selling a short-term,
1115	1115	17 limited-duration health insurance coverage policy in this
1116	1116	18 State in face-to-face or telephonic sales interactions must
1117	1117	19 read out loud the disclosures disclosure in subsections
1118	1118	20 subsection (b), (c), (d), (e), and (f) to a prospective
1119	1119	21 purchaser or enrollee. An issuer entity selling a short-term,
1120	1120	22 limited-duration health insurance coverage policy or
1121	1121	23 certificate in Illinois must display the disclosures
1122	1122	24 disclosure in subsections subsection (b), (c), (d), (e), and
1123	1123	25 (f) on the webpage where a prospective purchaser or enrollee
1124	1124	26 would purchase or enroll in coverage. For sales conducted by
1125	1125
1126	1126
1127	1127
1128	1128
1129	1129
1130	1130	SB3675 - 31 - LRB103 38256 RPS 68391 b
1131	1131
1132	1132
1133	1133	SB3675- 32 -LRB103 38256 RPS 68391 b SB3675 - 32 - LRB103 38256 RPS 68391 b
1134	1134	SB3675 - 32 - LRB103 38256 RPS 68391 b
1135	1135	1 an insurance producer in face-to-face or telephonic
1136	1136	2 interactions, the application or enrollment form shall contain
1137	1137	3 an attestation to be initialed by the applicant that the
1138	1138	4 producer read each disclosure out loud, that the applicant
1139	1139	5 understood each disclosure, and that the applicant was given
1140	1140	6 opportunities to ask the producer questions about each
1141	1141	7 disclosure and to review the policy or certificate and the
1142	1142	8 outline of coverage.
1143	1143	9 (h) (d) Nothing in this Section precludes an issuer
1144	1144	10 insurer from providing disclosures in addition to those
1145	1145	11 required in subsections (b), and (c), (d), (e), and (f).
1146	1146	12 Nothing in this Section precludes an insurer from providing
1147	1147	13 disclosures intended to clarify those required in subsections
1148	1148	14 (b), and (c), (d), (e), and (f) if approved by the Department.
1149	1149	15 Nothing in this Section precludes an issuer from including the
1150	1150	16 written disclosures required in subsections (c) and (d) on the
1151	1151	17 application or enrollment form.
1152	1152	18 (i) No policy or certificate of short-term,
1153	1153	19 limited-duration health insurance coverage shall be delivered
1154	1154	20 or issued for delivery in this State unless the prospective
1155	1155	21 purchaser or enrollee reviews and signs the completed written
1156	1156	22 application or enrollment form. Any application or enrollment
1157	1157	23 form submitted by an insurance producer to a health insurance
1158	1158	24 issuer shall contain an attestation clause signed by the
1159	1159	25 producer stating that the producer received the signed form
1160	1160	26 from the applicant, that no alterations have been made to any
1161	1161
1162	1162
1163	1163
1164	1164
1165	1165
1166	1166	SB3675 - 32 - LRB103 38256 RPS 68391 b
1167	1167
1168	1168
1169	1169	SB3675- 33 -LRB103 38256 RPS 68391 b SB3675 - 33 - LRB103 38256 RPS 68391 b
1170	1170	SB3675 - 33 - LRB103 38256 RPS 68391 b
1171	1171	1 of the applicant's personal information appearing on the
1172	1172	2 signed form at the time the producer received it, and that the
1173	1173	3 applicant received and signed all disclosures described in
1174	1174	4 this Section.
1175	1175	5 (j) Nothing in this Act shall preclude a prospective
1176	1176	6 purchaser or enrollee from designating an authorized
1177	1177	7 representative to act on his or her behalf in relation to the
1178	1178	8 purchase or enrollment. However, no designation of an
1179	1179	9 insurance producer, a health insurance issuer, or an agent or
1180	1180	10 employee of either shall be valid with respect to the
1181	1181	11 disclosures, applications, enrollment forms, and signed
1182	1182	12 confirmations under this Section.
1183	1183	13 (Source: P.A. 100-1118, eff. 11-27-18.)
1184	1184	14 (215 ILCS 190/20)
1185	1185	15 Sec. 20. Filing and approval.
1186	1186	16 (a) Coverage subject to this Act may not be delivered or
1187	1187	17 issued for delivery in this State unless the health insurance
1188	1188	18 issuer has complied with the policy form and rate filing
1189	1189	19 requirements of Sections 143 and 355 of the Illinois Insurance
1190	1190	20 Code or Sections 4-12 and 4-13 of the Health Maintenance
1191	1191	21 Organization Act, as applicable, including the rules adopted
1192	1192	22 thereunder policy evidencing such coverage has been filed with
1193	1193	23 and been approved by the Department.
1194	1194	24 (b) A health insurance issuer that who intends to deliver
1195	1195	25 or issue for delivery a short-term, limited-duration health
1196	1196
1197	1197
1198	1198
1199	1199
1200	1200
1201	1201	SB3675 - 33 - LRB103 38256 RPS 68391 b
1202	1202
1203	1203
1204	1204	SB3675- 34 -LRB103 38256 RPS 68391 b SB3675 - 34 - LRB103 38256 RPS 68391 b
1205	1205	SB3675 - 34 - LRB103 38256 RPS 68391 b
1206	1206	1 insurance coverage policy or certificate in this State shall
1207	1207	2 file with the Department: (1) all paperwork required for
1208	1208	3 individual health insurance coverage pursuant to 50 Ill. Adm.
1209	1209	4 Code 916; and (2) all sales and marketing materials provided
1210	1210	5 in connection with enrollment in such coverage for
1211	1211	6 informational purposes.
1212	1212	7 (c) (Blank). The Department shall adopt any rules
1213	1213	8 necessary to carry out the provisions of this Act.
1214	1214	9 (Source: P.A. 100-1118, eff. 11-27-18.)
1215	1215	10 (215 ILCS 190/25 new)
1216	1216	11 Sec. 25. Coverage requirements; other laws.
1217	1217	12 (a) Except where inconsistent with this Act, a health
1218	1218	13 insurance issuer that offers any policy or certificate of
1219	1219	14 short-term, limited-duration health insurance coverage shall
1220	1220	15 be subject to all Illinois insurance laws or rules not
1221	1221	16 specifically referenced in this Act that apply to major
1222	1222	17 medical accident and health insurance or health maintenance
1223	1223	18 organization health care plans, as applicable to the
1224	1224	19 certificate of authority under which the short-term,
1225	1225	20 limited-duration health insurance coverage is offered or
1226	1226	21 issued, and that do not:
1227	1227	22 (1) require the policy or certificate to cover
1228	1228	23 essential health benefits or other specified health care
1229	1229	24 services or to maintain parity between certain types of
1230	1230	25 benefits;
1231	1231
1232	1232
1233	1233
1234	1234
1235	1235
1236	1236	SB3675 - 34 - LRB103 38256 RPS 68391 b
1237	1237
1238	1238
1239	1239	SB3675- 35 -LRB103 38256 RPS 68391 b SB3675 - 35 - LRB103 38256 RPS 68391 b
1240	1240	SB3675 - 35 - LRB103 38256 RPS 68391 b
1241	1241	1 (2) require the prohibition of underwriting;
1242	1242	2 (3) prescribe standards for continuation coverage or
1243	1243	3 conversion privileges;
1244	1244	4 (4) prohibit or prescribe standards for allowable
1245	1245	5 cost-sharing amounts; or
1246	1246	6 (5) require an issuer to satisfy standards for the
1247	1247	7 adequacy and transparency of any provider network through
1248	1248	8 which the insured or enrollee is required or incentivized
1249	1249	9 to obtain covered health care services.
1250	1250	10 (b) Notwithstanding subsection (a), no State law or rule
1251	1251	11 shall apply to the extent that it would require a policy or
1252	1252	12 certificate of short-term, limited-duration health insurance
1253	1253	13 coverage to provide coverage for at least 3 calendar months or
1254	1254	14 to renew, extend, or reinstate coverage within 365 days of the
1255	1255	15 date that coverage terminates.
1256	1256	16 (c) Nothing in this Act shall exempt a health maintenance
1257	1257	17 organization offering short-term, limited-duration health
1258	1258	18 insurance coverage from the requirements for coverage of basic
1259	1259	19 health care services or other requirements to maintain and
1260	1260	20 restrictions on a certificate of authority under Sections 2-1
1261	1261	21 through 2-3 of the Health Maintenance Organization Act.
1262	1262	22 (215 ILCS 190/30 new)
1263	1263	23 Sec. 30. Unfair or deceptive practices relating to the
1264	1264	24 sale of supplemental or short-term, limited-duration health
1265	1265	25 insurance coverage.
1266	1266
1267	1267
1268	1268
1269	1269
1270	1270
1271	1271	SB3675 - 35 - LRB103 38256 RPS 68391 b
1272	1272
1273	1273
1274	1274	SB3675- 36 -LRB103 38256 RPS 68391 b SB3675 - 36 - LRB103 38256 RPS 68391 b
1275	1275	SB3675 - 36 - LRB103 38256 RPS 68391 b
1276	1276	1 (a) It is an unlawful method, act, or practice within the
1277	1277	2 meaning of this Act for any person who solicits, negotiates,
1278	1278	3 sells, offers, offers to enroll, issues, or delivers
1279	1279	4 short-term, limited-duration health insurance coverage or
1280	1280	5 excepted benefits within this State, or advertisers for such
1281	1281	6 persons, or persons whose business transactions include
1282	1282	7 referring or directing prospective purchasers or enrollees of
1283	1283	8 health insurance coverage that reside or are domiciled in this
1284	1284	9 State to health insurance issuers or insurance producers
1285	1285	10 transacting business in this State, to do any of the
1286	1286	11 following:
1287	1287	12 (1) represent or warrant to any prospective purchaser
1288	1288	13 or enrollee, or use language or imagery in speech or
1289	1289	14 published content that is suggestive, that a policy or
1290	1290	15 certificate of excepted benefits or short-term,
1291	1291	16 limited-duration health insurance coverage, or any
1292	1292	17 combination of such policies or certificates, constitutes
1293	1293	18 minimum essential coverage;
1294	1294	19 (2) represent or warrant to any prospective purchaser
1295	1295	20 or enrollee, or use language or imagery in speech or
1296	1296	21 published content that is suggestive, that a policy or
1297	1297	22 certificate of excepted benefits or short-term,
1298	1298	23 limited-duration health insurance coverage, or any
1299	1299	24 combination of such policies or certificates, is similar
1300	1300	25 to, is almost as beneficial as, can be used for similar
1301	1301	26 purposes as, or may be better for the prospective
1302	1302
1303	1303
1304	1304
1305	1305
1306	1306
1307	1307	SB3675 - 36 - LRB103 38256 RPS 68391 b
1308	1308
1309	1309
1310	1310	SB3675- 37 -LRB103 38256 RPS 68391 b SB3675 - 37 - LRB103 38256 RPS 68391 b
1311	1311	SB3675 - 37 - LRB103 38256 RPS 68391 b
1312	1312	1 purchaser or enrollee than minimum essential coverage,
1313	1313	2 major medical coverage that complies with all Illinois
1314	1314	3 requirements, a health maintenance organization health
1315	1315	4 care plan that complies with all Illinois requirements, a
1316	1316	5 voluntary health services plan, comprehensive health
1317	1317	6 insurance coverage, a qualified health plan, or any other
1318	1318	7 description of coverage indicating such policies or
1319	1319	8 certificates; or
1320	1320	9 (3) use any logo, brand, trademark, service mark,
1321	1321	10 mark, device, name, tagline, slogan, descriptor, or
1322	1322	11 website domain that is deceptively similar to those used
1323	1323	12 for Get Covered Illinois or the healthcare.gov website,
1324	1324	13 including those that do not expressly mention Illinois or
1325	1325	14 its political subdivisions. This paragraph expressly
1326	1326	15 includes circumstances that would not violate the
1327	1327	16 Counterfeit Trademark Act.
1328	1328	17 (b) This Section does not apply to Internet search
1329	1329	18 engines, Internet service providers, website domain
1330	1330	19 registrars, Internet network hardware providers, or other
1331	1331	20 natural or legal persons insofar as they do not propose,
1332	1332	21 approve, or submit the content published by an insurance
1333	1333	22 producer, health insurance issuer, or their advertisers, or
1334	1334	23 propose, approve, or submit the content published by persons
1335	1335	24 whose business transactions include referring prospective
1336	1336	25 purchasers or enrollees resident or domiciled in this State to
1337	1337	26 health insurance issuers or insurance producers transacting
1338	1338
1339	1339
1340	1340
1341	1341
1342	1342
1343	1343	SB3675 - 37 - LRB103 38256 RPS 68391 b
1344	1344
1345	1345
1346	1346	SB3675- 38 -LRB103 38256 RPS 68391 b SB3675 - 38 - LRB103 38256 RPS 68391 b
1347	1347	SB3675 - 38 - LRB103 38256 RPS 68391 b
1348	1348	1 business in this State.
1349	1349	2 (215 ILCS 190/35 new)
1350	1350	3 Sec. 35. Department administration and enforcement. The
1351	1351	4 Department may adopt any rules necessary to carry out the
1352	1352	5 provisions of this Act. The Department shall have all
1353	1353	6 enforcement powers granted to it by law with respect to
1354	1354	7 accident and health insurance and health maintenance
1355	1355	8 organization health care plans and all persons otherwise under
1356	1356	9 the Director's jurisdiction.
1357	1357	10 Section 95. No acceleration or delay. Where this Act makes
1358	1358	11 changes in a statute that is represented in this Act by text
1359	1359	12 that is not yet or no longer in effect (for example, a Section
1360	1360	13 represented by multiple versions), the use of that text does
1361	1361	14 not accelerate or delay the taking effect of (i) the changes
1362	1362	15 made by this Act or (ii) provisions derived from any other
1363	1363	16 Public Act.
1364	1364	17 Section 99. Effective date. This Act takes effect January
1365	1365	18 1, 2026.
1366	1366	SB3675- 39 -LRB103 38256 RPS 68391 b 1 INDEX 2 Statutes amended in order of appearance SB3675- 39 -LRB103 38256 RPS 68391 b SB3675 - 39 - LRB103 38256 RPS 68391 b 1 INDEX 2 Statutes amended in order of appearance
1367	1367	SB3675- 39 -LRB103 38256 RPS 68391 b SB3675 - 39 - LRB103 38256 RPS 68391 b
1368	1368	SB3675 - 39 - LRB103 38256 RPS 68391 b
1369	1369	1 INDEX
1370	1370	2 Statutes amended in order of appearance
1371	1371
1372	1372
1373	1373
1374	1374
1375	1375
1376	1376	SB3675 - 38 - LRB103 38256 RPS 68391 b
1377	1377
1378	1378
1379	1379
1380	1380	SB3675- 39 -LRB103 38256 RPS 68391 b SB3675 - 39 - LRB103 38256 RPS 68391 b
1381	1381	SB3675 - 39 - LRB103 38256 RPS 68391 b
1382	1382	1 INDEX
1383	1383	2 Statutes amended in order of appearance
1384	1384
1385	1385
1386	1386
1387	1387
1388	1388
1389	1389	SB3675 - 39 - LRB103 38256 RPS 68391 b