Illinois 104th General Assembly Status: To Executive Bipartisan · 22 D · 4 R cosponsors

SB3114      — TRANSPARENCY IN DOWNCODING ACT

Last action — Public Act . . . . . . . . . 104-0568

  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 02, 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 90% · high confidence

  • To Executive

    Current position in the legislative process.

  • 60 sponsors

    1 primary, 59 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (22 D · 4 R) — cross-party backing.

  • Cleared a recorded vote

    Passed 6 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 regulates health insurance downcoding practices to ensure transparency and fairness.

The Transparency in Downcoding Act prevents health insurers from unfairly downcoding claims and establishes strict requirements for how downcoding decisions are made. It mandates that decisions be made by qualified physicians and sets up an appeal process for affected claims.

What this means for you
  • Consumers: Consumers will benefit from clearer processes and protections regarding how their health claims are processed.
  • Healthcare: This means healthcare providers must ensure their downcoding practices comply with new requirements to avoid penalties.

Summary

Creates the Transparency in Downcoding Act. Provides that the Act applies to certain policies of health insurance amended, delivered, issued, or renewed on or after the effective date of the Act, except for employee or employer self-insured health benefit plans under the federal Employee Retirement Income Security Act of 1974 and health care provided pursuant to the Workers' Compensation Act or the Workers' Occupational Diseases Act. Prohibits a health insurance issuer from using an automated process, system, or tool to downcode a claim; from downcoding a claim based solely on the reported diagnosis codes; and from using downcoding practices in a targeted or discriminatory manner against physicians who routinely treat patients with complex or chronic conditions. Requires downcoding decisions to be made by a physician licensed to practice medicine in all its branches in any United States jurisdiction and of the same or similar specialty as a physician who typically manages the medical condition or disease. Sets forth provisions concerning notification requirements for downcoded claims; the appeal process for downcoded claims; enforcement by the Department of Insurance; and penalties. Provides that any pattern or practice of discriminatory downcoding identified by the Director of Insurance or another regulatory authority shall be subject to enforcement actions, including fines, restitution, or suspension of the health insurance issuer's license in this State. Effective immediately.

Bill Text

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

Read SB3114 on the official Illinois source →

Action History

  1. Public Act . . . . . . . . . 104-0568

  2. Effective Date January 1, 2028

  3. Governor Approved

  4. Sent to the Governor

  5. Added Alternate Co-Sponsor Rep. Lawrence "Larry" Walsh, Jr.

  6. Added Alternate Co-Sponsor Rep. Michael Crawford

  7. Added Alternate Co-Sponsor Rep. Rita Mayfield

  8. Added Alternate Co-Sponsor Rep. Lisa Davis

  9. Added Alternate Co-Sponsor Rep. Sue Scherer

  10. Added Alternate Co-Sponsor Rep. Amy Briel

  11. Added Alternate Co-Sponsor Rep. Stephanie A. Kifowit

  12. Added Alternate Co-Sponsor Rep. Bob Morgan

  13. Added Alternate Co-Sponsor Rep. Mary Beth Canty

  14. Added Alternate Co-Sponsor Rep. Maurice A. West, II

  15. Added Alternate Co-Sponsor Rep. Michelle Mussman

  16. Added Alternate Co-Sponsor Rep. Kelly M. Cassidy

  17. Added Alternate Co-Sponsor Rep. Jennifer Gong-Gershowitz

  18. Added Alternate Co-Sponsor Rep. William "Will" Davis

  19. Added Alternate Co-Sponsor Rep. Gregg Johnson

  20. Added Alternate Co-Sponsor Rep. Harry Benton

  21. Added Alternate Co-Sponsor Rep. Tracy Katz Muhl

  22. Added Alternate Co-Sponsor Rep. Martha Deuter

  23. Added Alternate Co-Sponsor Rep. Matt Hanson

  24. Added Alternate Co-Sponsor Rep. Natalie A. Manley

  25. Added Alternate Co-Sponsor Rep. Michael J. Kelly

  26. Added Alternate Co-Sponsor Rep. Mary Gill

  27. Added Alternate Co-Sponsor Rep. Joyce Mason

  28. Added Alternate Co-Sponsor Rep. Anthony DeLuca

  29. Added Alternate Co-Sponsor Rep. Justin Cochran

  30. Passed Both Houses

  31. Third Reading - Short Debate - Passed 111-000-000

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

  33. Added Alternate Chief Co-Sponsor Rep. Jawaharial Williams

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

  35. Second Reading - Short Debate

  36. Placed on Calendar 2nd Reading - Short Debate

  37. Do Pass / Short Debate Insurance Committee; 015-000-000

  38. Added as Co-Sponsor Sen. Emil Jones, III

  39. Added Alternate Co-Sponsor Rep. Rick Ryan

  40. Added Alternate Co-Sponsor Rep. Dave Vella

  41. Added Alternate Chief Co-Sponsor Rep. Katie Stuart

  42. Added Alternate Chief Co-Sponsor Rep. Jeff Keicher

  43. Added Alternate Chief Co-Sponsor Rep. William E Hauter

  44. Added Alternate Co-Sponsor Rep. Ryan Spain

  45. Added Alternate Co-Sponsor Rep. Dagmara Avelar

  46. Added Alternate Co-Sponsor Rep. Nicolle Grasse

  47. Added as Co-Sponsor Sen. Chris Balkema

  48. Committee/Final Action Deadline Extended-9(b) May 31, 2026

  49. Assigned to Insurance Committee

  50. Referred to Rules Committee

  51. First Reading

  52. Chief House Sponsor Rep. Sharon Chung

  53. Arrived in House

  54. Added as Co-Sponsor Sen. Mike Simmons

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

  56. Third Reading - Passed; 059-000-000

  57. Placed on Calendar Order of 3rd Reading

  58. Senate Floor Amendment No. 2 Adopted; Koehler

  59. Senate Floor Amendment No. 1 Withdrawn by Sen. David Koehler

  60. Recalled to Second Reading

  61. Senate Floor Amendment No. 2 Recommend Do Adopt Insurance; 013-000-000

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

  63. Rule 2-10 Third Reading Deadline Established As May 15, 2026

  64. Senate Floor Amendment No. 2 Referred to Assignments

  65. Senate Floor Amendment No. 2 Filed with Secretary by Sen. David Koehler

  66. Rule 2-10 Third Reading Deadline Established As May 8, 2026

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

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

  69. Added as Co-Sponsor Sen. Lakesia Collins

  70. Added as Co-Sponsor Sen. Elgie R. Sims, Jr.

  71. Senate Floor Amendment No. 1 Referred to Assignments

  72. Senate Floor Amendment No. 1 Filed with Secretary by Sen. David Koehler

  73. Added as Co-Sponsor Sen. Rachel Ventura

  74. Placed on Calendar Order of 3rd Reading March 24, 2026

  75. Second Reading

  76. Placed on Calendar Order of 2nd Reading March 12, 2026

  77. Do Pass Insurance; 010-000-000

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

  79. Added as Co-Sponsor Sen. Sue Rezin

  80. Postponed - Insurance

  81. Added as Co-Sponsor Sen. Sally J. Turner

  82. Added as Chief Co-Sponsor Sen. Robert Peters

  83. Added as Co-Sponsor Sen. Doris Turner

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

  85. Added as Co-Sponsor Sen. Meg Loughran Cappel

  86. Added as Co-Sponsor Sen. Mike Porfirio

  87. Added as Co-Sponsor Sen. Ram Villivalam

  88. Added as Co-Sponsor Sen. Linda Holmes

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

  90. Added as Co-Sponsor Sen. Paul Faraci

  91. Added as Co-Sponsor Sen. Graciela Guzmán

  92. Added as Co-Sponsor Sen. Christopher Belt

  93. Added as Co-Sponsor Sen. Andrew S. Chesney

  94. Postponed - Insurance

  95. Added as Co-Sponsor Sen. Laura Fine

  96. Added as Chief Co-Sponsor Sen. Julie A. Morrison

  97. Assigned to Insurance

  98. Referred to Assignments

  99. First Reading

  100. Filed with Secretary by Sen. David Koehler

Sponsors

Sponsorship breakdown

Export CSV (upgrade) →

1 sponsors · 59 co-sponsors · 123 not signed on

Sponsors (1)

Co-sponsors (59)

Not signed on (123)

123 members have not signed on to this bill.

Show all 123 →

"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 111 Yea · 0 Nay
Party YeaNayPresentNot Voting
Democrat 67003
Republican 35003
Unaffiliated 8001
Total 110007
% of votes cast 94%0%0%6%
How each member voted (117)
Member Party Vote
Jacobs — Yea
Johnson — Yea
Jones — Yea
Du Buclet — Yea
Faver Dias — Yea
Hernandez, Lisa — Not Voting
Katz Muhl — Yea
La Ha — 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
Anne Stava Democrat Yea
Anthony DeLuca Democrat Yea
Barbara Hernandez Democrat Yea
Bob Morgan Democrat Yea
Camille Y. Lilly Democrat Yea
Carol Ammons Democrat Yea
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 Yea
Hoan Huynh Democrat Yea
Jaime M. Andrade, Jr. Democrat Not Voting
Jawaharial Williams Democrat Yea
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 Not Voting
Lawrence "Larry" Walsh, Jr. Democrat Yea
Lilian Jiménez Democrat Yea
Lindsey LaPointe Democrat Yea
Lisa Davis Democrat Yea
Marcus C. Evans, Jr. Democrat Not Voting
Margaret A. DeLaRosa Democrat Yea
Margaret Croke Democrat Yea
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 Yea
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 Yea
Amy Elik Republican Yea
Amy L. Grant Republican Yea
Blaine Wilhour Republican Not Voting
Brad Halbrook Republican Yea
Brad Stephens Republican Yea
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 Not Voting
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
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 Not Voting
William E Hauter Republican Yea

Official roll call →

Insurance

Passed 15 Yea · 0 Nay · 1 Other
Party YeaNayPresentNot Voting
Democrat 9000
Republican 5001
Unaffiliated 1000
Total 15001
% of votes cast 94%0%0%6%
How each member voted (16)
Member Party Vote
Williams, Jawaharial — Yea
Anthony DeLuca Democrat Yea
Bob Morgan Democrat Yea
Camille Y. Lilly Democrat Yea
Dagmara Avelar Democrat Yea
Debbie Meyers-Martin Democrat Yea
Edgar González, Jr. Democrat Yea
Justin Cochran Democrat Yea
Lilian Jiménez Democrat Yea
Rita Mayfield Democrat Yea
Adam M. Niemerg Republican Not Voting
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 →

Third Reading

Passed 59 Yea · 0 Nay
Party YeaNayPresentNot Voting
Republican 19000
Democrat 34000
Unaffiliated 5000
Total 58000
% of votes cast 100%0%0%0%
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 Yea
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 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
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 Yea
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 13 Yea · 0 Nay · 1 Other
Party YeaNayPresentNot Voting
Republican 4001
Democrat 9000
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
Mike Porfirio 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 →

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 10 Yea · 0 Nay · 4 Other
Party YeaNayPresentNot Voting
Republican 2003
Democrat 8001
Total 10004
% of votes cast 71%0%0%29%
How each member voted (14)
Member Party Vote
Bill Cunningham Democrat Yea
Cristina Castro Democrat Yea
David Koehler Democrat Yea
Julie A. Morrison Democrat Yea
Laura Ellman Democrat Yea
Mark L. Walker Democrat Yea
Mattie Hunter Democrat Yea
Suzy Glowiak Hilton Democrat Yea
Willie Preston Democrat Not Voting
Chapin Rose Republican Not Voting
Dave Syverson Republican Not Voting
Jason Plummer Republican Yea
Neil Anderson Republican Not Voting
Steve McClure Republican Yea

Official roll call →

Subjects

healthcare health-insurance
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Frequently asked questions

What does SB3114      do?
Creates the Transparency in Downcoding Act. Provides that the Act applies to certain policies of health insurance amended, delivered, issued, or renewed on or after the effective date of the Act, except for employee or employer self-insured health benefit plans under the federal Employee Retirement Income Security Act of 1974 and health care provided pursuant to the Workers' Compensation Act or the Workers' Occupational Diseases Act. Prohibits a health insurance issuer from using an automated process, system, or tool to downcode a claim; from downcoding a claim based solely on the reported diagnosis codes; and from using downcoding practices in a targeted or discriminatory manner against physicians who routinely treat patients with complex or chronic conditions. Requires downcoding decisions to be made by a physician licensed to practice medicine in all its branches in any United States jurisdiction and of the same or similar specialty as a physician who typically manages the medical condition or disease. Sets forth provisions concerning notification requirements for downcoded claims; the appeal process for downcoded claims; enforcement by the Department of Insurance; and penalties. Provides that any pattern or practice of discriminatory downcoding identified by the Director of Insurance or another regulatory authority shall be subject to enforcement actions, including fines, restitution, or suspension of the health insurance issuer's license in this State. Effective immediately.
Who sponsors SB3114     ?
SB3114      is sponsored by Sharon Chung, William E Hauter, Jeff Keicher, Katie Stuart, Nicolle Grasse, Dagmara Avelar, Ryan Spain, Dave Vella, Rick Ryan, Justin Cochran, Anthony DeLuca, Joyce Mason, Mary Gill, Michael J. Kelly, Natalie A. Manley, Matt Hanson, Martha Deuter, Harry Benton, William "Will" Davis, Jennifer Gong-Gershowitz, Kelly M. Cassidy, Michelle Mussman, Maurice A. West, II, Mary Beth Canty, Bob Morgan, Stephanie A. Kifowit, Amy Briel, Sue Scherer, Lisa Davis, Rita Mayfield, Michael Crawford, Lawrence "Larry" Walsh, Jr., David Koehler (Democrat), Julie A. Morrison (Democrat), Cristina Castro (Democrat), Robert Peters (Democrat), Laura Fine (Democrat), Andrew S. Chesney (Republican), Christopher Belt (Democrat), Graciela Guzmán (Democrat), Paul Faraci (Democrat), Suzy Glowiak Hilton (Democrat), Linda Holmes (Democrat), Ram Villivalam (Democrat), Mike Porfirio (Democrat), Meg Loughran Cappel (Democrat), Doris Turner (Democrat), Sally J. Turner (Republican), Sue Rezin (Republican), Napoleon Harris III (Democrat), Rachel Ventura (Democrat), Elgie R. Sims, Jr. (Democrat), Lakesia Collins (Democrat), Michael W. Halpin (Democrat), Mike Simmons (Democrat), Chris Balkema (Republican), Emil Jones, III (Democrat), Williams, Jawaharial, Katz Muhl, and Adriane L. Johnson (Democrat).
What is the current status of SB3114     ?
This bill has been sent to the executive. Introduced February 02, 2026. It awaits signature.
Where can I track SB3114     ?
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