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Illinois Legislature (healthcare bills) · June 26, 2026 · Primary source

IL SB 3815: INS-PAST DUE PREMIUMS

Score 50PRIMARYregulatoryState legislatureIL

Summary

Illinois SB 3815 amends the Illinois Health Insurance Portability and Accountability Act to prohibit health insurance issuers in the individual, small group, and large group markets from denying coverage to an individual or employer solely because of unpaid premiums owed under a prior policy, with an exception for grandfathered health plans. The bill defines 'grandfathered health plan' and expressly preserves the issuer's right to pursue collection of past-due premiums. No effective date or specific penalty provisions are disclosed in the available excerpt. The bill is currently enrolled and its final status is not confirmed in the excerpt.

What this may mean

Health insurance issuers operating in Illinois's individual, small group, and large group markets are prohibited from using past premium delinquency on a prior policy as a basis for coverage denial, creating a new underwriting restriction. Grandfathered health plans are exempt from this prohibition. Issuers retain the right to pursue debt collection for past-due amounts, meaning the financial obligation on the enrollee side is preserved even as the coverage-denial mechanism is removed.

Informational only. Not legal, medical, financial, or other professional advice. Always consult a qualified professional familiar with your specific facts before relying on any item.

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