Illinois 2025-2026 Regular Session

Illinois House Bill HB3754 Compare Versions

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

Old	New	Differences
1	1	104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB3754 Introduced , by Rep. Mary Gill SYNOPSIS AS INTRODUCED: 215 ILCS 5/356z.3b new Amends the Accident and Health Insurance Article of the Illinois Insurance Code. Provides that when an insured person or policyholder requests, in writing, from the insurance issuer a confirmation of the current outstanding balance due from the insured person or policyholder, the insurance issuer may charge a fee of no more than $40 to provide that information. Requires the fee to be reasonably related to the work and time required to confirm the total balance owed. Sets forth requirements that must be met before an insurance issuer may turn an outstanding balance over to a collection agent, including requiring a written communication to the insured person or policyholder from whom money is owed, requiring the insurer to allow the insured person or policyholder 7 calendar days after receipt of the written communication to either confirm receipt of the written communication and agree to pay or to request a different time frame, and the insurer to attempt in good faith to agree on a time frame for all outstanding moneys owed to be paid. Provides that if an agreement to pay is not reached within 7 calendar days after receipt of the written notice or payment is not made by the agreed-upon time frame, the insurance issuer may turn the delinquent account over to a collection agent. LRB104 12262 BAB 22374 b A BILL FOR 104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB3754 Introduced , by Rep. Mary Gill SYNOPSIS AS INTRODUCED: 215 ILCS 5/356z.3b new 215 ILCS 5/356z.3b new Amends the Accident and Health Insurance Article of the Illinois Insurance Code. Provides that when an insured person or policyholder requests, in writing, from the insurance issuer a confirmation of the current outstanding balance due from the insured person or policyholder, the insurance issuer may charge a fee of no more than $40 to provide that information. Requires the fee to be reasonably related to the work and time required to confirm the total balance owed. Sets forth requirements that must be met before an insurance issuer may turn an outstanding balance over to a collection agent, including requiring a written communication to the insured person or policyholder from whom money is owed, requiring the insurer to allow the insured person or policyholder 7 calendar days after receipt of the written communication to either confirm receipt of the written communication and agree to pay or to request a different time frame, and the insurer to attempt in good faith to agree on a time frame for all outstanding moneys owed to be paid. Provides that if an agreement to pay is not reached within 7 calendar days after receipt of the written notice or payment is not made by the agreed-upon time frame, the insurance issuer may turn the delinquent account over to a collection agent. LRB104 12262 BAB 22374 b LRB104 12262 BAB 22374 b A BILL FOR
2	2	104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB3754 Introduced , by Rep. Mary Gill SYNOPSIS AS INTRODUCED:
3	3	215 ILCS 5/356z.3b new 215 ILCS 5/356z.3b new
4	4	215 ILCS 5/356z.3b new
5	5	Amends the Accident and Health Insurance Article of the Illinois Insurance Code. Provides that when an insured person or policyholder requests, in writing, from the insurance issuer a confirmation of the current outstanding balance due from the insured person or policyholder, the insurance issuer may charge a fee of no more than $40 to provide that information. Requires the fee to be reasonably related to the work and time required to confirm the total balance owed. Sets forth requirements that must be met before an insurance issuer may turn an outstanding balance over to a collection agent, including requiring a written communication to the insured person or policyholder from whom money is owed, requiring the insurer to allow the insured person or policyholder 7 calendar days after receipt of the written communication to either confirm receipt of the written communication and agree to pay or to request a different time frame, and the insurer to attempt in good faith to agree on a time frame for all outstanding moneys owed to be paid. Provides that if an agreement to pay is not reached within 7 calendar days after receipt of the written notice or payment is not made by the agreed-upon time frame, the insurance issuer may turn the delinquent account over to a collection agent.
6	6	LRB104 12262 BAB 22374 b LRB104 12262 BAB 22374 b
7	7	LRB104 12262 BAB 22374 b
8	8	A BILL FOR
9	9	HB3754LRB104 12262 BAB 22374 b HB3754 LRB104 12262 BAB 22374 b
10	10	HB3754 LRB104 12262 BAB 22374 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 adding Section 356z.3b as follows:
16	16	6 (215 ILCS 5/356z.3b new)
17	17	7 Sec. 356z.3b. Statement of balance owed; use of collection
18	18	8 agents.
19	19	9 (a) When an insured person or policyholder requests, in
20	20	10 writing, from the insurance issuer a confirmation of the
21	21	11 current outstanding balance due from the insured person or
22	22	12 policyholder, the insurance issuer may charge a fee of no more
23	23	13 than $40 to provide that information. However, the fee amount
24	24	14 must be reasonably related to the work and time required to
25	25	15 confirm the total balance owed. This fee may only be charged
26	26	16 one time per calendar year, unless the balance owed has
27	27	17 changed between the time the first and any subsequent request
28	28	18 was made.
29	29	19 (b) Before an insurance issuer may turn an outstanding
30	30	20 balance owed over to a collection agent, the insurance issuer
31	31	21 must do all of the following:
32	32	22 (1) Send a written communication to the insured
33	33	23 person or policyholder from whom the outstanding balance
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37	37	104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB3754 Introduced , by Rep. Mary Gill SYNOPSIS AS INTRODUCED:
38	38	215 ILCS 5/356z.3b new 215 ILCS 5/356z.3b new
39	39	215 ILCS 5/356z.3b new
40	40	Amends the Accident and Health Insurance Article of the Illinois Insurance Code. Provides that when an insured person or policyholder requests, in writing, from the insurance issuer a confirmation of the current outstanding balance due from the insured person or policyholder, the insurance issuer may charge a fee of no more than $40 to provide that information. Requires the fee to be reasonably related to the work and time required to confirm the total balance owed. Sets forth requirements that must be met before an insurance issuer may turn an outstanding balance over to a collection agent, including requiring a written communication to the insured person or policyholder from whom money is owed, requiring the insurer to allow the insured person or policyholder 7 calendar days after receipt of the written communication to either confirm receipt of the written communication and agree to pay or to request a different time frame, and the insurer to attempt in good faith to agree on a time frame for all outstanding moneys owed to be paid. Provides that if an agreement to pay is not reached within 7 calendar days after receipt of the written notice or payment is not made by the agreed-upon time frame, the insurance issuer may turn the delinquent account over to a collection agent.
41	41	LRB104 12262 BAB 22374 b LRB104 12262 BAB 22374 b
42	42	LRB104 12262 BAB 22374 b
43	43	A BILL FOR
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49	49	215 ILCS 5/356z.3b new
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53	53	LRB104 12262 BAB 22374 b
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63	63	HB3754 LRB104 12262 BAB 22374 b
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66	66	HB3754- 2 -LRB104 12262 BAB 22374 b HB3754 - 2 - LRB104 12262 BAB 22374 b
67	67	HB3754 - 2 - LRB104 12262 BAB 22374 b
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73	73	HB3754 - 2 - LRB104 12262 BAB 22374 b