Illinois 104th General Assembly Status: To Executive 4 D cosponsors

HB1865      — FRAUD-TARGETED INSURANCE SALES

Last action — Public Act . . . . . . . . . 104-0055

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

This bill has been sent to the executive. Introduced January 29, 2025. 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.

  • 10 sponsors

    1 primary, 9 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (4 D).

  • Cleared a recorded vote

    Passed 4 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.

Summary

Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that it is an unlawful practice for any seller of accident insurance or health insurance to solicit individuals who are residents of a nursing home or long-term care facility or individuals who are over the age of 65, unless the seller: (1) does not require a purchasing decision in the first communication to the potential enrollee; (2) advises the potential enrollee of the benefit of examining the potential enrollee's current insurance plan and discussing any changes with a family member, friend, or other advisor before making any decisions; (3) provides a phone number that may be called if the potential enrollee or the potential enrollee's family members, friends, or other advisors have any questions; and (4) allows the potential enrollee to opt out of any future communications with the seller. Provides that it is also an unlawful practice for any seller or provider of accident insurance or health insurance to enter into or amend an insurance policy with a person who: (1) is over the age of 65 and who has executed a power of attorney to give another person authority over medical decisions; or (2) has a medical condition, such as dementia, that would reduce the person's capacity to make informed decisions independently. Provides that the provision does not apply to a new insurance policy or an amendment to an insurance policy that is agreed to by a person with a lawfully executed power of attorney relating to the enrollee or potential enrollee's health or financial matters.

Bill Text

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

Read HB1865 on the official Illinois source →

Action History

  1. Public Act . . . . . . . . . 104-0055

  2. Effective Date January 1, 2026

  3. Governor Approved

  4. Sent to the Governor

  5. Passed Both Houses

  6. Third Reading - Passed; 057-000-000

  7. Added as Alternate Co-Sponsor Sen. Julie A. Morrison

  8. Added as Alternate Chief Co-Sponsor Sen. Laura Ellman

  9. Added as Alternate Chief Co-Sponsor Sen. Christopher Belt

  10. Placed on Calendar Order of 3rd Reading May 6, 2025

  11. Second Reading

  12. Added as Alternate Co-Sponsor Sen. Michael W. Halpin

  13. Added as Alternate Chief Co-Sponsor Sen. Suzy Glowiak Hilton

  14. Placed on Calendar Order of 2nd Reading May 1, 2025

  15. Do Pass Insurance; 009-000-000

  16. Assigned to Insurance

  17. Referred to Assignments

  18. First Reading

  19. Chief Senate Sponsor Sen. Doris Turner

  20. Placed on Calendar Order of First Reading April 9, 2025

  21. Arrive in Senate

  22. Third Reading - Short Debate - Passed 104-000-000

  23. Added Co-Sponsor Rep. Stephanie A. Kifowit

  24. Added Chief Co-Sponsor Rep. Diane Blair-Sherlock

  25. Added Chief Co-Sponsor Rep. Amy Briel

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

  27. Second Reading - Short Debate

  28. Placed on Calendar 2nd Reading - Short Debate

  29. Do Pass as Amended / Short Debate Consumer Protection Committee; 007-000-000

  30. House Committee Amendment No. 1 Adopted in Consumer Protection Committee; by Voice Vote

  31. House Committee Amendment No. 1 Rules Refers to Consumer Protection Committee

  32. House Committee Amendment No. 1 Referred to Rules Committee

  33. House Committee Amendment No. 1 Filed with Clerk by Rep. Sue Scherer

  34. Assigned to Consumer Protection Committee

  35. Referred to Rules Committee

  36. First Reading

  37. Filed with the Clerk by Rep. Sue Scherer

Sponsors

Sponsorship breakdown

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1 sponsors · 9 co-sponsors · 173 not signed on

Sponsors (1)

Co-sponsors (9)

Not signed on (173)

173 members have not signed on to this bill.

Show all 173 →

"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 57 Yea · 0 Nay
Party YeaNayPresentNot Voting
Republican 18001
Democrat 37001
Unaffiliated 1000
Total 56002
% of votes cast 97%0%0%3%
How each member voted (58)
Member Party Vote
Johnson — Yea
Bill Cunningham Democrat Yea
Celina Villanueva Democrat Yea
Christopher Belt Democrat Yea
Cristina Castro Democrat Yea
David Koehler Democrat Yea
Doris Turner Democrat Yea
Elgie R. Sims, Jr. 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
Meg Loughran Cappel Democrat Not Voting
Michael E. Hastings Democrat Yea
Michael W. Halpin Democrat Yea
Mike Porfirio Democrat Yea
Mike Simmons Democrat Yea
Napoleon Harris III Democrat Yea
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 Yea
Sara Feigenholtz Democrat Yea
Steve Stadelman Democrat Yea
Suzy Glowiak Hilton Democrat Yea
Thaddeus Jones Democrat Yea
Willie Preston Democrat Yea
Andrew S. Chesney Republican Yea
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 Yea
John F. Curran Republican Yea
Li Arellano, Jr. Republican Yea
Neil Anderson Republican Not Voting
Sally J. Turner Republican Yea
Seth Lewis Republican Yea
Steve McClure Republican Yea
Sue Rezin Republican Yea
Terri Bryant Republican Yea

Official roll call →

Insurance

Passed 9 Yea · 0 Nay · 5 Other
Party YeaNayPresentNot Voting
Republican 2003
Democrat 7002
Total 9005
% of votes cast 64%0%0%36%
How each member voted (14)
Member Party Vote
Bill Cunningham Democrat Yea
Cristina Castro Democrat Not Voting
Julie A. Morrison Democrat Yea
Laura Ellman Democrat Yea
Laura Fine Democrat Not Voting
Mark L. Walker Democrat Yea
Napoleon Harris III 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 Not Voting
Steve McClure Republican Not Voting

Official roll call →

Third Reading

Passed 104 Yea · 0 Nay
Party YeaNayPresentNot Voting
Democrat 640010
Republican 35004
Unaffiliated 4000
Total 1030014
% of votes cast 88%0%0%12%
How each member voted (117)
Member Party Vote
Jacobs — Yea
Johnson — Yea
Stava-Murray — Yea
Hernandez, Lisa — 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 Not Voting
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
Harry Benton Democrat Not Voting
Hoan Huynh Democrat Yea
Jaime M. Andrade, Jr. Democrat Yea
Janet Yang Rohr Democrat Yea
Jawaharial Williams Democrat Yea
Jay Hoffman Democrat Not Voting
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
Kimberly Du Buclet Democrat Yea
La Shawn K. Ford Democrat Yea
Laura Faver Dias Democrat Yea
Lawrence "Larry" Walsh, Jr. Democrat Yea
Lilian Jiménez Democrat Not Voting
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 Not Voting
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 Not Voting
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
Terra Costa Howard Democrat Yea
Thaddeus Jones Democrat Not Voting
Theresa Mah Democrat Yea
Tracy Katz Muhl 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 Not Voting
Brad Stephens Republican Yea
Bradley Fritts Republican Yea
Brandun Schweizer Republican Yea
Charles Meier Republican Yea
Chris Miller Republican Not Voting
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 Yea
John M. Cabello Republican Yea
Kevin Schmidt Republican Yea
Kyle Moore Republican Yea
Martin McLaughlin Republican Yea
Michael J. Coffey, Jr. Republican Yea
Nicole La Ha Republican Yea
Norine K. Hammond Republican Yea
Patrick Sheehan Republican Yea
Patrick Windhorst 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 Not Voting
Wayne A. Rosenthal Republican Yea
William E Hauter Republican Yea

Official roll call →

Consumer Protection

Passed 7 Yea · 0 Nay · 2 Other
Party YeaNayPresentNot Voting
Democrat 5001
Republican 2001
Total 7002
% of votes cast 78%0%0%22%
How each member voted (9)
Member Party Vote
Elizabeth "Lisa" Hernandez Democrat Yea
Harry Benton Democrat Yea
Kam Buckner Democrat Yea
Rita Mayfield Democrat Not Voting
Sue Scherer Democrat Yea
Theresa Mah Democrat Yea
Norine K. Hammond Republican Not Voting
Tom Weber Republican Yea
Travis Weaver Republican Yea

Official roll call →

Subjects

civil-rights 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 HB1865      do?
Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that it is an unlawful practice for any seller of accident insurance or health insurance to solicit individuals who are residents of a nursing home or long-term care facility or individuals who are over the age of 65, unless the seller: (1) does not require a purchasing decision in the first communication to the potential enrollee; (2) advises the potential enrollee of the benefit of examining the potential enrollee's current insurance plan and discussing any changes with a family member, friend, or other advisor before making any decisions; (3) provides a phone number that may be called if the potential enrollee or the potential enrollee's family members, friends, or other advisors have any questions; and (4) allows the potential enrollee to opt out of any future communications with the seller. Provides that it is also an unlawful practice for any seller or provider of accident insurance or health insurance to enter into or amend an insurance policy with a person who: (1) is over the age of 65 and who has executed a power of attorney to give another person authority over medical decisions; or (2) has a medical condition, such as dementia, that would reduce the person's capacity to make informed decisions independently. Provides that the provision does not apply to a new insurance policy or an amendment to an insurance policy that is agreed to by a person with a lawfully executed power of attorney relating to the enrollee or potential enrollee's health or financial matters.
Who sponsors HB1865     ?
HB1865      is sponsored by Doris Turner, Christopher Belt, Laura Ellman, Michael W. Halpin, Julie A. Morrison, Sue Scherer (Democrat), Amy Briel (Democrat), Diane Blair-Sherlock (Democrat), Stephanie A. Kifowit (Democrat), and Glowiak Hilton.
What is the current status of HB1865     ?
This bill has been sent to the executive. Introduced January 29, 2025. It awaits signature.
Where can I track HB1865     ?
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Last checked for changes 3 months ago · updated continuously

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