Illinois 104th Regular Session Status: Passed House Bipartisan · 12 D · 5 R cosponsors

HB 2805 — INS CD-COST SHARING RESTRICT

Last action — Added Co-Sponsor Rep. Michelle Mussman

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

This bill has passed the House. Introduced February 05, 2025. It now moves to the second chamber.

Next likely step: consideration and a floor vote in the Senate.

Prognosis

Likely to advance 74% · high confidence

Where this bill stands today.

Odds of enactment

Moderate

How often bills like it became law.

  • Passed House

    Current position in the legislative process.

  • 17 sponsors

    2 primary, 15 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (12 D · 5 R) — cross-party backing.

  • Cleared a recorded vote

    Passed 2 recorded votes so far.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Bill Text

What changed in the latest version

10 added · 30 removed

Plain-language change summary

The latest version of HB 2805 adds provisions that ensure victims of specified crimes will have access to certain medical examinations and tests without any out-of-pocket costs, such as deductibles or copayments, which is a significant change from previous drafts. This change is important because it makes necessary medical care more accessible to victims, ultimately encouraging them to seek the help they need without financial barriers. The amendment is set to take effect on January 1, 2026.

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*LRB10408152BAB18200b* HB2805 104TH GENERAL ASSEMBLY State of Illinois and 2026 HB2805 Introduced 2/6/2025, by Rep.
HB2805 Engrossed LRB104 08152 BAB 18200 b AN ACT concerning regulation.
Tony M.
McCombie SYNOPSIS AS INTRODUCED:
ILCS 5/356e from Ch.
73, par.
968e ILCS 5/367 from Ch.
73, par.
979 Amends the Illinois Insurance Code.
In a provision requiring policies of group accident and health insurance to provide coverage for certain examination and testing services provided to a victim of specified criminal offenses, prohibits the policy from imposing a deductible, coinsurance, copayment, or any other cost-sharing requirement on the coverage provided, except to the extent that the coverage would disqualify a high-deductible health plan from eligibility for a health savings account under the Internal Revenue Code.
Effective January 1, 2026.
LRB104 08152 BAB 18200 b A BILL FOR HB2805 LRB104 08152 BAB 18200 b AN ACT concerning regulation.
A policy subject to this subsection shall not impose a deductible, coinsurance, copayment, or any other HB2805 - 2 - LRB104 08152 BAB 18200 b cost-sharing requirement on the coverage provided, except that this subsection does not apply to the extent that the coverage would disqualify a high-deductible health plan from eligibility for a health savings account pursuant to Section 223 of the Internal Revenue Code.
A policy subject to this subsection shall not impose a deductible, coinsurance, copayment, or any other HB2805 Engrossed - 2 - LRB104 08152 BAB 18200 b cost-sharing requirement on the coverage provided, except that this subsection does not apply to the extent that the coverage would disqualify a high-deductible health plan from eligibility for a health savings account pursuant to Section 223 of the Internal Revenue Code.
All information received by the Department of Public Health under this provision shall be held on a confidential basis and shall not be subject to subpoena and shall not be made public by the Department of Public Health or used for any purpose HB2805 - 3 - LRB104 08152 BAB 18200 b other than that authorized by this Section.
All information received by the Department of Public Health under this provision shall be held on a confidential basis and shall not be subject to subpoena and shall not be made public by the Department of Public Health or used for any purpose HB2805 Engrossed - 3 - LRB104 08152 BAB 18200 b other than that authorized by this Section.
In addition a group accident and health policy may be written to insure any group HB2805 - 4 - LRB104 08152 BAB 18200 b which may be insured under a group life insurance policy.
In addition a group accident and health policy may be written to insure any group HB2805 Engrossed - 4 - LRB104 08152 BAB 18200 b which may be insured under a group life insurance policy.
(a) A provision that the policy, the application of the employer, or executive officer or trustee of any association, and the individual applications, if any, of the employees, members or employees of members insured shall constitute the entire contract between the parties, and that all statements made by the employer, or the executive officer or trustee, or by the individual employees, members or employees of members shall (in the absence of fraud) be deemed representations and not HB2805 - 5 - LRB104 08152 BAB 18200 b warranties, and that no such statement shall be used in defense to a claim under the policy, unless it is contained in a written application.
(a) A provision that the policy, the application of the employer, or executive officer or trustee of any association, and the individual applications, if any, of the employees, members or employees of members insured shall constitute the entire contract between the parties, and that all statements made by the employer, or the executive officer or trustee, or by the individual employees, members or employees of members shall (in the absence of fraud) be deemed representations and not HB2805 Engrossed - 5 - LRB104 08152 BAB 18200 b warranties, and that no such statement shall be used in defense to a claim under the policy, unless it is contained in a written application.
Nothing in this subsection (3) shall prohibit an insurer from providing incentives for insureds to utilize the services of a HB2805 - 6 - LRB104 08152 BAB 18200 b particular hospital or person.
Nothing in this subsection (3) shall prohibit an insurer from providing incentives for insureds to utilize the services of a HB2805 Engrossed - 6 - LRB104 08152 BAB 18200 b particular hospital or person.
This subsection shall not apply to a policy HB2805 - 7 - LRB104 08152 BAB 18200 b which covers only specified sicknesses.
This subsection shall not apply to a policy HB2805 Engrossed - 7 - LRB104 08152 BAB 18200 b which covers only specified sicknesses.
A policy subject to this subsection shall not impose a deductible, coinsurance, copayment, or any other cost-sharing requirement on the HB2805 - 8 - LRB104 08152 BAB 18200 b coverage provided, except that this subsection does not apply to the extent that the coverage would disqualify a high-deductible health plan from eligibility for a health savings account pursuant to Section 223 of the Internal Revenue Code.
A policy subject to this subsection shall not impose a deductible, coinsurance, copayment, or any other cost-sharing requirement on the HB2805 Engrossed - 8 - LRB104 08152 BAB 18200 b coverage provided, except that this subsection does not apply to the extent that the coverage would disqualify a high-deductible health plan from eligibility for a health savings account pursuant to Section 223 of the Internal Revenue Code.
(10) Whenever the Department of Public Health finds that it has paid all or part of any hospital or medical expenses which an insurance carrier is obligated to pay under this Section, the Department of Public Health shall be entitled to receive reimbursement for its payments from such insurance carrier provided that the Department of Public Health has notified the insurance carrier of its claim before the carrier has paid the benefits to its insureds or the insureds' HB2805 - 9 - LRB104 08152 BAB 18200 b assignees.
(10) Whenever the Department of Public Health finds that it has paid all or part of any hospital or medical expenses which an insurance carrier is obligated to pay under this Section, the Department of Public Health shall be entitled to receive reimbursement for its payments from such insurance carrier provided that the Department of Public Health has notified the insurance carrier of its claim before the carrier has paid the benefits to its insureds or the insureds' HB2805 Engrossed - 9 - LRB104 08152 BAB 18200 b assignees.
(13) No accident and health insurer providing coverage for hospital or medical expenses on an expense incurred basis shall deny reimbursement for an otherwise covered expense HB2805 - 10 - LRB104 08152 BAB 18200 b incurred for any organ transplantation procedure solely on the basis that such procedure is deemed experimental or investigational unless supported by the determination of the Office of Health Care Technology Assessment within the Agency for Health Care Policy and Research within the federal Department of Health and Human Services that such procedure is either experimental or investigational or that there is insufficient data or experience to determine whether an organ transplantation procedure is clinically acceptable.
(13) No accident and health insurer providing coverage for hospital or medical expenses on an expense incurred basis shall deny reimbursement for an otherwise covered expense HB2805 Engrossed - 10 - LRB104 08152 BAB 18200 b incurred for any organ transplantation procedure solely on the basis that such procedure is deemed experimental or investigational unless supported by the determination of the Office of Health Care Technology Assessment within the Agency for Health Care Policy and Research within the federal Department of Health and Human Services that such procedure is either experimental or investigational or that there is insufficient data or experience to determine whether an organ transplantation procedure is clinically acceptable.
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Action History

  1. Added Co-Sponsor Rep. Michelle Mussman

  2. Rule 3-9(a) / Re-referred to Assignments

  3. Rule 2-10 Committee Deadline Established As June 1, 2025

  4. Rule 2-10 Committee Deadline Established As May 23, 2025

  5. Added as Alternate Chief Co-Sponsor Sen. Willie Preston

  6. Assigned to Insurance

  7. Referred to Assignments

  8. First Reading

  9. Chief Senate Sponsor Sen. John F. Curran

  10. Placed on Calendar Order of First Reading April 10, 2025

  11. Arrive in Senate

  12. Third Reading - Short Debate - Passed 114-000-000

  13. Added Co-Sponsor Rep. Mary Gill

  14. Added Co-Sponsor Rep. Joyce Mason

  15. Added Co-Sponsor Rep. Rita Mayfield

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

  17. Added Co-Sponsor Rep. Sonya M. Harper

  18. Held on Calendar Order of Second Reading - Short Debate

  19. Second Reading - Short Debate

  20. Added Co-Sponsor Rep. Jackie Haas

  21. Placed on Calendar 2nd Reading - Short Debate

  22. Added Co-Sponsor Rep. Thaddeus Jones

  23. Added Co-Sponsor Rep. Camille Y. Lilly

  24. Added Chief Co-Sponsor Rep. Nicole La Ha

  25. Added Chief Co-Sponsor Rep. Kelly M. Cassidy

  26. Do Pass / Short Debate Insurance Committee; 016-000-000

  27. Added Co-Sponsor Rep. Jawaharial Williams

  28. Added Co-Sponsor Rep. Daniel Didech

  29. Added Chief Co-Sponsor Rep. Jeff Keicher

  30. Added Chief Co-Sponsor Rep. Emanuel "Chris" Welch

  31. Assigned to Insurance Committee

  32. Referred to Rules Committee

  33. First Reading

  34. Filed with the Clerk by Rep. Tony M. McCombie

Sponsors

Sponsorship breakdown

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2 sponsors · 15 co-sponsors · 166 not signed on

Sponsors (2)

Co-sponsors (15)

Not signed on (166)

166 members have not signed on to this bill.

Show all 166 →

"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 114 Yea · 0 Nay · 4 Other
Party YeaNayPresentNot Voting
Democrat 66003
Republican 38001
Unaffiliated 9000
Total 113004
% of votes cast 97%0%0%3%
How each member voted (117)
Member Party Vote
Stava-Murray — Yea
Costa Howard — Yea
Du Buclet — Yea
Faver Dias — Yea
Hernandez, Lisa — Yea
Katz Muhl — Yea
La Ha — Yea
Williams, Jawaharial — Yea
Yang Rohr — Yea
Aarón M. Ortíz Democrat Yea
Abdelnasser Rashid Democrat Yea
Amy Briel Democrat Yea
Angelica Guerrero-Cuellar Democrat Yea
Ann M. Williams Democrat Yea
Anna Moeller Democrat Yea
Anthony DeLuca Democrat Yea
Barbara Hernandez Democrat Yea
Bob Morgan Democrat Yea
Camille Y. Lilly Democrat Yea
Carol Ammons Democrat Not Voting
Curtis J. Tarver, II Democrat Yea
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 Yea
Eva-Dina Delgado Democrat Yea
Fred Crespo Democrat Yea
Gregg Johnson Democrat Yea
Harry Benton Democrat Yea
Hoan Huynh Democrat Yea
Jaime M. Andrade, Jr. Democrat Yea
Jay Hoffman Democrat Yea
Jehan Gordon-Booth Democrat Yea
Jennifer Gong-Gershowitz Democrat Yea
Joyce Mason 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 Yea
Marcus C. Evans, Jr. Democrat Yea
Margaret Croke Democrat Yea
Martha Deuter Democrat Yea
Martin J. Moylan 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 Not Voting
Sue Scherer Democrat Not Voting
Suzanne M. Ness Democrat Yea
Thaddeus Jones Democrat Yea
Theresa Mah Democrat Yea
Will Guzzardi Democrat Yea
William "Will" Davis Democrat Yea
Yolonda Morris Democrat Yea
Adam M. Niemerg Republican Yea
Amy Elik Republican Yea
Amy L. Grant Republican Yea
Blaine Wilhour Republican Yea
Brad Halbrook Republican Yea
Brad Stephens Republican Not Voting
Bradley Fritts Republican Yea
Brandun Schweizer Republican Yea
Charles Meier Republican Yea
Chris Miller Republican Yea
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 Yea
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 Yea
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
Paul Jacobs Republican Yea
Regan Deering Republican Yea
Ryan Spain Republican Yea
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 16 Yea · 0 Nay · 1 Other
Party YeaNayPresentNot Voting
Republican 6000
Democrat 10001
Total 16001
% of votes cast 94%0%0%6%
How each member voted (17)
Member Party Vote
Anthony DeLuca Democrat Yea
Bob Morgan Democrat Yea
Camille Y. Lilly Democrat Yea
Daniel Didech Democrat Yea
Edgar González, Jr. Democrat Yea
Harry Benton Democrat Yea
Jawaharial Williams Democrat Yea
Lilian Jiménez Democrat Yea
Rita Mayfield Democrat Not Voting
Thaddeus Jones Democrat Yea
Tracy Katz Muhl Democrat Yea
Adam M. Niemerg Republican Yea
Dennis Tipsword Republican Yea
Jeff Keicher Republican Yea
John M. Cabello Republican Yea
Travis Weaver Republican Yea
William E Hauter Republican Yea

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

Who sponsors HB 2805?
HB 2805 is sponsored by Tony M. McCombie (Republican), Emanuel "Chris" Welch (Democrat), Jeff Keicher (Republican), Kelly M. Cassidy (Democrat), Daniel Didech (Democrat), Camille Y. Lilly (Democrat), Thaddeus Jones (Democrat), Jackie Haas (Republican), Sonya M. Harper (Democrat), Rita Mayfield (Democrat), Joyce Mason (Democrat), Mary Gill (Democrat), Michelle Mussman (Democrat), John F. Curran (Republican), Willie Preston (Democrat), Nicole La Ha (Republican), and Jawaharial Williams (Democrat).
What is the current status of HB 2805?
This bill has passed the House. Introduced February 05, 2025. It now moves to the second chamber.
Where can I track HB 2805?
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