Illinois 104th General Assembly Status: Introduced Bipartisan · 26 D · 6 R cosponsors

SB2405      — INS-SURPRISE BILL PROTECT

Last action — Senate Floor Amendment No. 3 Pursuant to Senate Rule 3-9(b) / Referred to Assignments

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

This bill has been introduced in the Senate. Introduced February 07, 2025. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Odds of enactment

Low chance

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

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

Prognosis

Advancing 54% · moderate confidence

  • Introduced

    Current position in the legislative process.

  • 32 sponsors

    1 primary, 31 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (26 D · 6 R) — cross-party backing.

  • Cleared a recorded vote

    Passed 2 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 Illinois Insurance Code to create the Consumer Protection from Surprise Health Care Billing Act. Provides that, on or after July 1, 2025, notwithstanding any other applicable provision, when a beneficiary, insured, or enrollee receives services from a nonparticipating ground ambulance service provider, the health insurance issuer shall ensure that the beneficiary, insured, or enrollee shall incur no greater out-of-pocket costs than the beneficiary, insured, or enrollee would have incurred with a participating ground ambulance service provider. Provides that any cost-sharing requirements shall be applied as though the services provided by the nonparticipating ground ambulance service provider had been provided by a participating ground ambulance service provider. Sets forth provisions concerning payment for ground ambulance services; calculating the recognized amount; limitations for the cost sharing amount for any occurrence in which a ground ambulance service is provided to a beneficiary; appeals for payments made by health insurance issuers; the maximum allowable payment amounts, by individual service types, for nonparticipating ground ambulance service providers owned, operated, or controlled by a private organization; and payments to nonparticipating ground ambulance service providers owned, operated, or controlled, by a unit of government which participates in the Ground Emergency Medical Transportation program administered by the Department of Healthcare and Family Services. Makes conforming changes. Provides that the failure by a health insurance issuer to comply with the specified requirements constitutes an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act and enforcement authority is granted to the Attorney General. Amends the Health Maintenance Organization Act and the Consumer Fraud and Deceptive Business Practices Act to make corresponding changes. Effective July 1, 2025.

Bill Text

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

Read SB2405 on the official Illinois source →

Action History

  1. Senate Floor Amendment No. 3 Pursuant to Senate Rule 3-9(b) / Referred to Assignments

  2. Senate Floor Amendment No. 2 Pursuant to Senate Rule 3-9(b) / Referred to Assignments

  3. Senate Floor Amendment No. 1 Pursuant to Senate Rule 3-9(b) / Referred to Assignments

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

  5. Added as Co-Sponsor Sen. Chris Balkema

  6. Rule 2-10 Third Reading Deadline Established As June 1, 2025

  7. Added as Co-Sponsor Sen. Seth Lewis

  8. Senate Floor Amendment No. 3 Recommend Do Adopt Insurance; 013-000-000

  9. Added as Co-Sponsor Sen. John F. Curran

  10. Added as Co-Sponsor Sen. Terri Bryant

  11. Senate Floor Amendment No. 3 Assignments Refers to Insurance

  12. Senate Floor Amendment No. 3 Referred to Assignments

  13. Senate Floor Amendment No. 3 Filed with Secretary by Sen. Ram Villivalam

  14. Senate Floor Amendment No. 2 Assignments Refers to Insurance

  15. Rule 2-10 Third Reading Deadline Established As May 23, 2025

  16. Senate Floor Amendment No. 2 Referred to Assignments

  17. Senate Floor Amendment No. 2 Filed with Secretary by Sen. Ram Villivalam

  18. Added as Co-Sponsor Sen. Lakesia Collins

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

  20. Added as Co-Sponsor Sen. Erica Harriss

  21. Rule 2-10 Third Reading Deadline Established As May 9, 2025

  22. Added as Co-Sponsor Sen. Chapin Rose

  23. Added as Co-Sponsor Sen. Mattie Hunter

  24. Added as Co-Sponsor Sen. Michael E. Hastings

  25. Added as Co-Sponsor Sen. Michael W. Halpin

  26. Added as Co-Sponsor Sen. Doris Turner

  27. Placed on Calendar Order of 3rd Reading April 10, 2025

  28. Second Reading

  29. Senate Floor Amendment No. 1 Referred to Assignments

  30. Senate Floor Amendment No. 1 Filed with Secretary by Sen. Ram Villivalam

  31. Added as Co-Sponsor Sen. David Koehler

  32. Added as Co-Sponsor Sen. Linda Holmes

  33. Added as Co-Sponsor Sen. Robert F. Martwick

  34. Added as Co-Sponsor Sen. Karina Villa

  35. Added as Co-Sponsor Sen. Rachel Ventura

  36. Added as Co-Sponsor Sen. Adriane L. Johnson

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

  38. Added as Co-Sponsor Sen. Mike Simmons

  39. Added as Co-Sponsor Sen. Javier L. Cervantes

  40. Added as Co-Sponsor Sen. Celina Villanueva

  41. Added as Co-Sponsor Sen. Mike Porfirio

  42. Added as Chief Co-Sponsor Sen. Willie Preston

  43. Placed on Calendar Order of 2nd Reading April 3, 2025

  44. Do Pass Insurance; 012-000-000

  45. Added as Co-Sponsor Sen. Napoleon Harris III

  46. Added as Co-Sponsor Sen. Suzy Glowiak Hilton

  47. Rule 2-10 Committee Deadline Established As April 4, 2025

  48. Added as Co-Sponsor Sen. Robert Peters

  49. Added as Co-Sponsor Sen. Willie Preston

  50. Added as Co-Sponsor Sen. Bill Cunningham

  51. Added as Co-Sponsor Sen. Sara Feigenholtz

  52. Postponed - Insurance

  53. Added as Co-Sponsor Sen. Cristina Castro

  54. Added as Co-Sponsor Sen. Laura Fine

  55. Assigned to Insurance

  56. Added as Chief Co-Sponsor Sen. Graciela Guzmán

  57. Referred to Assignments

  58. First Reading

  59. Filed with Secretary by Sen. Ram Villivalam

Sponsors

Sponsorship breakdown

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1 sponsors · 31 co-sponsors · 151 not signed on

Sponsors (1)

Co-sponsors (31)

Not signed on (151)

151 members have not signed on to this bill.

Show all 151 →

"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

Insurance

Passed 13 Yea · 0 Nay · 1 Other
Party YeaNayPresentNot Voting
Republican 5000
Democrat 8001
Total 13001
% of votes cast 93%0%0%7%
How each member voted (14)
Member Party Vote
Bill Cunningham Democrat Yea
Cristina Castro Democrat Yea
Julie A. Morrison Democrat Yea
Laura Ellman Democrat Yea
Laura Fine Democrat Yea
Mark L. Walker Democrat Yea
Michael W. Halpin Democrat Yea
Suzy Glowiak Hilton Democrat Yea
Willie Preston Democrat Not Voting
Chapin Rose Republican Yea
Dave Syverson Republican Yea
Jason Plummer Republican Yea
Neil Anderson Republican Yea
Steve McClure Republican Yea

Official roll call →

Insurance

Passed 12 Yea · 0 Nay · 2 Other
Party YeaNayPresentNot Voting
Republican 4001
Democrat 8001
Total 12002
% of votes cast 86%0%0%14%
How each member voted (14)
Member Party Vote
Bill Cunningham Democrat Yea
Cristina Castro Democrat Not Voting
Graciela Guzmán Democrat Yea
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 Yea
Dave Syverson Republican Yea
Jason Plummer Republican Not Voting
Neil Anderson Republican Yea
Steve McClure 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

What does SB2405      do?
Amends the Illinois Insurance Code to create the Consumer Protection from Surprise Health Care Billing Act. Provides that, on or after July 1, 2025, notwithstanding any other applicable provision, when a beneficiary, insured, or enrollee receives services from a nonparticipating ground ambulance service provider, the health insurance issuer shall ensure that the beneficiary, insured, or enrollee shall incur no greater out-of-pocket costs than the beneficiary, insured, or enrollee would have incurred with a participating ground ambulance service provider. Provides that any cost-sharing requirements shall be applied as though the services provided by the nonparticipating ground ambulance service provider had been provided by a participating ground ambulance service provider. Sets forth provisions concerning payment for ground ambulance services; calculating the recognized amount; limitations for the cost sharing amount for any occurrence in which a ground ambulance service is provided to a beneficiary; appeals for payments made by health insurance issuers; the maximum allowable payment amounts, by individual service types, for nonparticipating ground ambulance service providers owned, operated, or controlled by a private organization; and payments to nonparticipating ground ambulance service providers owned, operated, or controlled, by a unit of government which participates in the Ground Emergency Medical Transportation program administered by the Department of Healthcare and Family Services. Makes conforming changes. Provides that the failure by a health insurance issuer to comply with the specified requirements constitutes an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act and enforcement authority is granted to the Attorney General. Amends the Health Maintenance Organization Act and the Consumer Fraud and Deceptive Business Practices Act to make corresponding changes. Effective July 1, 2025.
Who sponsors SB2405     ?
SB2405      is sponsored by Ram Villivalam (Democrat), Graciela Guzmán (Democrat), Willie Preston (Democrat), Laura Fine (Democrat), Cristina Castro (Democrat), Sara Feigenholtz (Democrat), Bill Cunningham (Democrat), Robert Peters (Democrat), Suzy Glowiak Hilton (Democrat), Napoleon Harris III (Democrat), Mike Porfirio (Democrat), Celina Villanueva (Democrat), Javier L. Cervantes (Democrat), Mike Simmons (Democrat), Mary Edly-Allen (Democrat), Adriane L. Johnson (Democrat), Rachel Ventura (Democrat), Karina Villa (Democrat), Robert F. Martwick (Democrat), Linda Holmes (Democrat), David Koehler (Democrat), Doris Turner (Democrat), Michael W. Halpin (Democrat), Michael E. Hastings (Democrat), Mattie Hunter (Democrat), Chapin Rose (Republican), Erica Harriss (Republican), Lakesia Collins (Democrat), Terri Bryant (Republican), John F. Curran (Republican), Seth Lewis (Republican), and Chris Balkema (Republican).
What is the current status of SB2405     ?
This bill has been introduced in the Senate. Introduced February 07, 2025. It must pass committee before a floor vote.
Where can I track SB2405     ?
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