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Steve W. Kinion, Esq.
(217) 525-0700 x108


Below is a list of Illinois insurance legislation that became law effective on January 1, 2023.  This insurance legislation, passed by the 102nd Illinois General Assembly during 2022, consists of 13 house bills and 3 senate bills.  Twelve bills regard health insurance with the remaining four applicable to insurance producers, flood insurance, homeowner insurance or home warranty products, or the fire tax paid by foreign insurers writing property insurance.

House Bill 836:  Requires the Department of Insurance to conduct an actuarial analysis of health insurance plans on the Illinois individual marketplace to determine whether premiums are properly aligned with the requirements of the Affordable Care Act.  A report regarding the analysis must be submitted to the General Assembly and Governor by January 1, 2024. 

House Bill 1745:  Requires all health insurance carriers that cover prescription drugs to implement a flat-dollar copayment structure to the entire drug benefits for individual and group plans on a phased-in basis.

House Bill 2739:  Creates the Private Primary Residential Flood Insurance Act.  Requires insurance companies to notify the Department of Insurance at least 30 days before beginning to write flood insurance policies.

House Bill 4271:  Requires medically necessary breast reduction surgery to be covered by state-regulated private insurance.

House Bill 4281:  Prohibits non-utility companies from using the name or logo of a public utility company to market, solicit, sell or bill for home insurance, home maintenance, or home warranty products.

House Bill 4324:  Permits an insurance producer's active membership in a professional insurance association to provide the producer with up to four hours of continuing education credit per biennial reporting period.

House Bill 4338:  Expands insurance coverage for prescription drugs to include prenatal vitamins after Jan. 1, 2024.

House Bill 4408:  Prohibits insurers and Medicaid from imposing a copayment for naloxone hydrochloride, an opioid suppressant.

House Bill 4941:  Requires health insurers to provide 60 days advance notice to healthcare professionals and providers for non-routine changes to the insurer's fee schedule, except that Medicaid managed care organizations remain subject to the notice requirements already established by HFS.

House Bill 5254:  Requires health insurance plans to cover medically necessary hormone therapy treatments for women who have induced menopause by undergoing a hysterectomy.

House Bill 5318:  Requires health insurance to cover annual prostate cancer screenings upon the recommendation of a physician.

House Bill 5334:  Requires health insurance to cover annual prostate cancer screenings upon the recommendation of a physician.

House Bill 5585:  Requires all health insurance plans governed by state law that is issued on or after Jan. 1, 2024, to provide coverage for access to home health services for the duration of medically necessary care.

Senate Bill 1571:  Changes the Illinois Municipal Code so that the fee paid to a foreign fire insurance board by non-Illinois domiciled insurers shall be exactly 2% of gross receipts with allowance for legal action if this does not occur.  This amendment creates a new cause of action.  It allows a foreign fire insurance board to file a lawsuit to enforce its rights. 

Senate Bill 2969:   Requires all insurance plans regulated by the state to include coverage for continuous glucose monitors when medically necessary for individuals with Type 1 or Type 2 diabetes beginning Jan. 1, 2024.

Senate Bill 3819:  Requires private insurers to cover pediatric palliative care and permit children and families to continue pursuing curative treatment while receiving pediatric palliative care. It also creates parity between what Medicaid must cover and what private insurance must cover.