Illinois 104th General Assembly Status: To Executive 3 D cosponsors

SB3815      — INS-PAST DUE PREMIUMS

Last action — Public Act . . . . . . . . . 104-0533

  1. ✓
    Introduced
  2. ✓
    In Committee
  3. ✓
    Passed Senate
  4. ✓
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill has been sent to the executive. Introduced February 06, 2026. It awaits signature.

Next likely step: the executive signs it into law or issues a veto.

Odds of enactment

Moderate chance

Based on the sponsor, cosponsors, and committee posture, this bill has a moderate chance of becoming law.

Upgrade to see the exact probability and what's driving it.

A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Likely to advance 74% · moderate confidence

  • To Executive

    Current position in the legislative process.

  • 6 sponsors

    1 primary, 5 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (3 D).

  • Cleared a recorded vote

    Passed 5 recorded votes so far.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

In plain language

The bill prevents insurers from denying coverage due to unpaid past premiums, excluding certain plans.

This bill allows individuals and employers to obtain health insurance coverage even if they have unpaid past premiums, except in cases of grandfathered health plans. Insurers can still pursue collection of those unpaid premiums through legal means.

What this means for you
  • Families: This allows families to secure health coverage despite past premium payment issues.
  • Consumers: This means you may still get health insurance even if you have unpaid past premiums on previous plans.

Summary

Amends the Illinois Health Insurance Portability and Accountability Act. Defines "grandfathered health plan". Provides that, except for grandfathered health plans, a health insurance issuer in the individual, small group, or large group market shall not deny coverage to an individual or employer due to the individual's or employer's failure to pay premiums owed under a prior policy, certificate, or contract of insurance. Specifies that nothing in the provisions concerning past-due premiums prohibits a health insurance issuer from pursuing the collection of past-due premiums from an individual or employer by any other means permitted by law. Effective immediately.

Bill Text

We don't have the full text on file for this bill yet.

Read SB3815 on the official Illinois source →

Action History

  1. Public Act . . . . . . . . . 104-0533

  2. Effective Date June 26, 2026

  3. Governor Approved

  4. Sent to the Governor

  5. Added Alternate Co-Sponsor Rep. Nicolle Grasse

  6. Added Alternate Co-Sponsor Rep. Matt Hanson

  7. Passed Both Houses

  8. Third Reading - Short Debate - Passed 094-005-000

  9. Placed on Calendar Order of 3rd Reading - Short Debate

  10. Second Reading - Short Debate

  11. Placed on Calendar 2nd Reading - Short Debate

  12. Do Pass / Short Debate Insurance Committee; 010-005-000

  13. Assigned to Insurance Committee

  14. Referred to Rules Committee

  15. First Reading

  16. Chief House Sponsor Rep. Martha Deuter

  17. Arrived in House

  18. Added as Co-Sponsor Sen. Mary Edly-Allen

  19. Third Reading - Passed; 053-000-000

  20. Placed on Calendar Order of 3rd Reading

  21. Senate Floor Amendment No. 1 Adopted; Ellman

  22. Recalled to Second Reading

  23. Senate Floor Amendment No. 1 Recommend Do Adopt Insurance; 011-000-000

  24. Senate Floor Amendment No. 1 Assignments Refers to Insurance

  25. Senate Floor Amendment No. 1 Referred to Assignments

  26. Senate Floor Amendment No. 1 Filed with Secretary by Sen. Laura Ellman

  27. Placed on Calendar Order of 3rd Reading March 10, 2026

  28. Second Reading

  29. Placed on Calendar Order of 2nd Reading March 5, 2026

  30. Do Pass Insurance; 009-000-000

  31. Added as Chief Co-Sponsor Sen. Cristina Castro

  32. Assigned to Insurance

  33. Referred to Assignments

  34. First Reading

  35. Filed with Secretary by Sen. Laura Ellman

Sponsors

Sponsorship breakdown

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1 sponsors · 5 co-sponsors · 177 not signed on · 9 voted No

Sponsors (1)

Co-sponsors (5)

Not signed on (177)

177 members have not signed on to this bill.

Show all 177 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

Third Reading

Passed 94 Yea · 5 Nay
Party YeaNayPresentNot Voting
Democrat 580012
Republican 29504
Unaffiliated 6003
Total 935019
% of votes cast 79%4%0%16%
How each member voted (117)
Member Party Vote
Jacobs — Yea
Johnson — Yea
Jones — Not Voting
Du Buclet — Not Voting
Faver Dias — Yea
Hernandez, Lisa — Yea
Katz Muhl — Yea
La Ha — Yea
Yang Rohr — Not Voting
Aarón M. Ortíz Democrat Not Voting
Abdelnasser Rashid Democrat Yea
Amy Briel Democrat Yea
Angelica Guerrero-Cuellar Democrat Not Voting
Ann M. Williams Democrat Yea
Anna Moeller Democrat Yea
Anne Stava Democrat Yea
Anthony DeLuca Democrat Not Voting
Barbara Hernandez Democrat Yea
Bob Morgan Democrat Yea
Camille Y. Lilly Democrat Yea
Carol Ammons Democrat Not Voting
Curtis J. Tarver, II Democrat Not Voting
Dagmara Avelar Democrat Yea
Daniel Didech Democrat Yea
Dave Vella Democrat Yea
Debbie Meyers-Martin Democrat Yea
Diane Blair-Sherlock Democrat Yea
Edgar González, Jr. Democrat Not Voting
Eva-Dina Delgado Democrat Yea
Fred Crespo Democrat Yea
Harry Benton Democrat Yea
Hoan Huynh Democrat Not Voting
Jaime M. Andrade, Jr. Democrat Not Voting
Jawaharial Williams Democrat Not Voting
Jay Hoffman Democrat Yea
Jehan Gordon-Booth Democrat Yea
Jennifer Gong-Gershowitz Democrat Yea
Joyce Mason Democrat Yea
Justin Cochran Democrat Yea
Justin Slaughter Democrat Yea
Kam Buckner Democrat Yea
Katie Stuart Democrat Yea
Kelly M. Cassidy Democrat Yea
Kevin John Olickal Democrat Yea
La Shawn K. Ford Democrat Yea
Lawrence "Larry" Walsh, Jr. Democrat Yea
Lilian Jiménez Democrat Yea
Lindsey LaPointe Democrat Yea
Lisa Davis Democrat Not Voting
Marcus C. Evans, Jr. Democrat Yea
Margaret A. DeLaRosa Democrat Yea
Margaret Croke Democrat Not Voting
Martha Deuter Democrat Yea
Mary Beth Canty Democrat Yea
Mary Gill Democrat Yea
Matt Hanson Democrat Yea
Maura Hirschauer Democrat Yea
Maurice A. West, II Democrat Yea
Michael Crawford Democrat Yea
Michael J. Kelly Democrat Yea
Michelle Mussman Democrat Yea
Nabeela Syed Democrat Yea
Natalie A. Manley Democrat Yea
Nicholas K. Smith Democrat Yea
Nicolle Grasse Democrat Yea
Norma Hernandez Democrat Yea
Rick Ryan Democrat Yea
Rita Mayfield Democrat Yea
Robert "Bob" Rita Democrat Yea
Robyn Gabel Democrat Yea
Sharon Chung Democrat Yea
Sonya M. Harper Democrat Yea
Stephanie A. Kifowit Democrat Yea
Sue Scherer Democrat Not Voting
Suzanne M. Ness Democrat Yea
Theresa Mah Democrat Yea
Will Guzzardi Democrat Yea
William "Will" Davis Democrat Yea
Yolonda Morris Democrat Yea
Adam M. Niemerg Republican Nay
Amy Elik Republican Yea
Amy L. Grant Republican Yea
Blaine Wilhour Republican Nay
Brad Halbrook Republican Nay
Brad Stephens Republican Not Voting
Bradley Fritts Republican Nay
Brandun Schweizer Republican Yea
Charles Meier Republican Yea
Chris Miller Republican Nay
Christopher "C.D." Davidsmeyer Republican Yea
Dan Swanson Republican Yea
Daniel J. Ugaste Republican Yea
Dave Severin Republican Yea
David Friess Republican Yea
Dennis Tipsword Republican Not Voting
Jackie Haas Republican Yea
Jason R. Bunting Republican Yea
Jed Davis Republican Yea
Jeff Keicher Republican Yea
Jennifer Sanalitro Republican Yea
Joe C. Sosnowski Republican Not Voting
John M. Cabello Republican Yea
Kevin Schmidt Republican Yea
Kyle Moore Republican Yea
Martin McLaughlin Republican Yea
Michael J. Coffey, Jr. Republican Yea
Norine K. Hammond Republican Yea
Patrick Sheehan Republican Yea
Patrick Windhorst Republican Yea
Regan Deering Republican Yea
Ryan Spain Republican Not Voting
Steven Reick Republican Yea
Tom Weber Republican Yea
Tony M. McCombie Republican Yea
Travis Weaver Republican Yea
Wayne A. Rosenthal Republican Yea
William E Hauter Republican Yea

Official roll call →

Insurance

Passed 10 Yea · 5 Nay · 1 Other
Party YeaNayPresentNot Voting
Democrat 10000
Republican 0501
Total 10501
% of votes cast 63%31%0%6%
How each member voted (16)
Member Party Vote
Angelica Guerrero-Cuellar Democrat Yea
Anthony DeLuca Democrat Yea
Bob Morgan Democrat Yea
Camille Y. Lilly Democrat Yea
Daniel Didech Democrat Yea
Diane Blair-Sherlock Democrat Yea
Lilian Jiménez Democrat Yea
Rita Mayfield Democrat Yea
Thaddeus Jones Democrat Yea
Tracy Katz Muhl Democrat Yea
Adam M. Niemerg Republican Nay
Dennis Tipsword Republican Nay
Jeff Keicher Republican Nay
John M. Cabello Republican Not Voting
Travis Weaver Republican Nay
William E Hauter Republican Nay

Official roll call →

Third Reading

Passed 53 Yea · 0 Nay
Party YeaNayPresentNot Voting
Republican 16003
Democrat 31003
Unaffiliated 5000
Total 52006
% of votes cast 90%0%0%10%
How each member voted (58)
Member Party Vote
Simmons — Yea
Harris, N. — Yea
Johnson — Yea
Glowiak Hilton — Yea
Loughran Cappel — Yea
Bill Cunningham Democrat Yea
Celina Villanueva Democrat Yea
Christopher Belt Democrat Not Voting
Cristina Castro Democrat Yea
David Koehler Democrat Yea
Doris Turner Democrat Yea
Elgie R. Sims, Jr. Democrat Yea
Emil Jones, III Democrat Yea
Graciela Guzmán Democrat Yea
Javier L. Cervantes Democrat Yea
Julie A. Morrison Democrat Yea
Karina Villa Democrat Yea
Kimberly A. Lightford Democrat Yea
Lakesia Collins Democrat Yea
Laura Ellman Democrat Yea
Laura Fine Democrat Yea
Laura M. Murphy Democrat Yea
Linda Holmes Democrat Yea
Mark L. Walker Democrat Yea
Mary Edly-Allen Democrat Yea
Mattie Hunter Democrat Yea
Michael E. Hastings Democrat Yea
Michael W. Halpin Democrat Yea
Mike Porfirio Democrat Not Voting
Omar Aquino Democrat Yea
Patrick J. Joyce Democrat Yea
Paul Faraci Democrat Yea
Rachel Ventura Democrat Yea
Ram Villivalam Democrat Yea
Robert F. Martwick Democrat Yea
Robert Peters Democrat Not Voting
Sara Feigenholtz Democrat Yea
Steve Stadelman Democrat Yea
Willie Preston Democrat Yea
Andrew S. Chesney Republican Not Voting
Chapin Rose Republican Yea
Chris Balkema Republican Yea
Craig Wilcox Republican Yea
Dale Fowler Republican Yea
Darby A. Hills Republican Yea
Dave Syverson Republican Yea
Donald P. DeWitte Republican Yea
Erica Harriss Republican Yea
Jason Plummer Republican Yea
Jil Tracy Republican Not Voting
John F. Curran Republican Yea
Li Arellano, Jr. Republican Yea
Neil Anderson Republican Yea
Sally J. Turner Republican Yea
Seth Lewis Republican Yea
Steve McClure Republican Not Voting
Sue Rezin Republican Yea
Terri Bryant Republican Yea

Official roll call →

Insurance

Passed 11 Yea · 0 Nay · 3 Other
Party YeaNayPresentNot Voting
Republican 3002
Democrat 7001
Unaffiliated 1000
Total 11003
% of votes cast 79%0%0%21%
How each member voted (14)
Member Party Vote
Harris III, Napoleon — Yea
Bill Cunningham Democrat Yea
Cristina Castro Democrat Not Voting
Julie A. Morrison Democrat Yea
Laura Ellman Democrat Yea
Laura Fine Democrat Yea
Mark L. Walker Democrat Yea
Suzy Glowiak Hilton Democrat Yea
Willie Preston Democrat Yea
Chapin Rose Republican Not Voting
Dave Syverson Republican Yea
Jason Plummer Republican Yea
Neil Anderson Republican Yea
Steve McClure Republican Not Voting

Official roll call →

Insurance

Passed 9 Yea · 0 Nay · 5 Other
Party YeaNayPresentNot Voting
Republican 2003
Democrat 7001
Unaffiliated 0001
Total 9005
% of votes cast 64%0%0%36%
How each member voted (14)
Member Party Vote
Harris III, Napoleon — Not Voting
Bill Cunningham Democrat Not Voting
Cristina Castro Democrat Yea
David Koehler Democrat Yea
Julie A. Morrison Democrat Yea
Laura Ellman Democrat Yea
Mark L. Walker Democrat Yea
Michael E. Hastings Democrat Yea
Suzy Glowiak Hilton Democrat Yea
Chapin Rose Republican Yea
Dave Syverson Republican Yea
Jason Plummer Republican Not Voting
Neil Anderson Republican Not Voting
Steve McClure Republican Not Voting

Official roll call →

Subjects

healthcare health-insurance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does SB3815      do?
Amends the Illinois Health Insurance Portability and Accountability Act. Defines "grandfathered health plan". Provides that, except for grandfathered health plans, a health insurance issuer in the individual, small group, or large group market shall not deny coverage to an individual or employer due to the individual's or employer's failure to pay premiums owed under a prior policy, certificate, or contract of insurance. Specifies that nothing in the provisions concerning past-due premiums prohibits a health insurance issuer from pursuing the collection of past-due premiums from an individual or employer by any other means permitted by law. Effective immediately.
Who sponsors SB3815     ?
SB3815      is sponsored by Martha Deuter, Matt Hanson, Nicolle Grasse, Laura Ellman (Democrat), Cristina Castro (Democrat), and Mary Edly-Allen (Democrat).
What is the current status of SB3815     ?
This bill has been sent to the executive. Introduced February 06, 2026. It awaits signature.
Where can I track SB3815     ?
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