Illinois · Senate Bill 3305 · 103rd General Assembly

DENTAL LOSS RATIO ACT

SB 3305 Sponsored by Laura Fine Became law

  1. Introduced Feb 7, 2024
  2. In committee Feb 7, 2024
  3. Passed the Senate May 9, 2024
  4. Passed the House May 23, 2024
  5. To the governor Jun 21, 2024
  6. Became law Aug 9, 2024

What it does

The legislature's own summary of the bill, or its official long title.

Creates the Dental Loss Ratio Act. Sets forth provisions concerning dental loss ratio reporting. Provides that a health insurer or dental plan carrier that issues, sells, renews, or offers a specialized health insurance policy covering dental services shall, beginning January 1, 2025, annually submit to the Department of Insurance a dental loss ratio filing. Provides a formula for calculating minimum dental loss…

Read the full title (151 words)

Creates the Dental Loss Ratio Act. Sets forth provisions concerning dental loss ratio reporting. Provides that a health insurer or dental plan carrier that issues, sells, renews, or offers a specialized health insurance policy covering dental services shall, beginning January 1, 2025, annually submit to the Department of Insurance a dental loss ratio filing. Provides a formula for calculating minimum dental loss ratios. Sets forth provisions concerning minimum dental loss ratio requirements. Provides that the Department may adopt rules to implement the Act. Provides that the Act does not apply to an insurance policy issued, sold, renewed, or offered for health care services or coverage provided as a function of the State of Illinois Medicaid coverage for children or adults or disability insurance for covered benefits in the single specialized area of dental-only health care that pays benefits on a fixed benefit, cash payment-only basis. Defines terms. Effective January 1, 2025.

Every action

51 steps, oldest first, as the legislature records them.

Show the 43 earlier steps
  1. SenateFiled with Secretary by Sen. Laura Fine
  2. SenateFirst Reading
  3. CommitteeReferred to Assignments · Senate Assignments
  4. CommitteeAssigned to Insurance · Senate Insurance
  5. CommitteePostponed - Insurance · Senate Insurance
  6. SenateRule 2-10 Committee Deadline Established As April 5, 2024
  7. SenateRule 2-10 Committee Deadline Established As April 19, 2024
  8. SenateSenate Committee Amendment No. 1 Filed with Secretary by Sen. Laura Fine
  9. CommitteeSenate Committee Amendment No. 1 Referred to Assignments · Senate Assignments
  10. SenateSenate Committee Amendment No. 2 Filed with Secretary by Sen. Laura Fine
  11. CommitteeSenate Committee Amendment No. 2 Referred to Assignments · Senate Assignments
  12. SenateRule 2-10 Third Reading Deadline Established As May 3, 2024
  13. CommitteeSenate Committee Amendment No. 2 Assignments Refers to Insurance · Senate Assignments
  14. CommitteeSenate Committee Amendment No. 1 Pursuant to Senate Rule 3-8 (b-1), the following amendments will remain in the Committee on Assignments · Senate Assignments
  15. SenateRule 2-10 Committee Deadline Established As May 3, 2024
  16. SenateRule 2-10 Committee/3rd Reading Deadline Established As May 17, 2024
  17. SenateSenate Committee Amendment No. 3 Filed with Secretary by Sen. Laura Fine
  18. CommitteeSenate Committee Amendment No. 3 Referred to Assignments · Senate Assignments
  19. SenateSenate Committee Amendment No. 2 Adopted
  20. CommitteeDo Pass as Amended Insurance; 010-000-000 · Senate Insurance
  21. SenatePlaced on Calendar Order of 2nd Reading May 8, 2024
  22. SenateSecond Reading
  23. SenatePlaced on Calendar Order of 3rd Reading
  24. SenateSenate Floor Amendment No. 4 Filed with Secretary by Sen. Laura Fine
  25. CommitteeSenate Floor Amendment No. 4 Referred to Assignments · Senate Assignments
  26. CommitteeSenate Floor Amendment No. 4 Be Approved for Consideration Assignments · Senate Assignments
  27. SenateRecalled to Second Reading
  28. SenateSenate Floor Amendment No. 4 Adopted; Fine
  29. SenatePlaced on Calendar Order of 3rd Reading
  30. SenateThird Reading - Passed; 055-000-000
  31. SenateSenate Committee Amendment No. 1 Tabled Pursuant to Rule 5-4(a)
  32. SenateSenate Committee Amendment No. 3 Tabled Pursuant to Rule 5-4(a)
  33. SenateAdded as Co-Sponsor Sen. Willie Preston
  34. HouseArrived in House
  35. HouseChief House Sponsor Rep. Jennifer Gong-Gershowitz
  36. HouseFirst Reading
  37. CommitteeReferred to Rules Committee · House Rules
  38. CommitteeAssigned to Insurance Committee · House Insurance
  39. HouseCommittee/Final Action Deadline Extended-9(b) May 24, 2024
  40. CommitteeDo Pass / Short Debate Insurance Committee; 014-000-000 · House Insurance
  41. HouseAdded Alternate Co-Sponsor Rep. Nicole La Ha
  42. HousePlaced on Calendar 2nd Reading - Short Debate
  43. HouseSecond Reading - Short Debate
  1. HouseHeld on Calendar Order of Second Reading - Short Debate
  2. HousePlaced on Calendar Order of 3rd Reading - Short Debate
  3. HouseThird Reading - Short Debate - Passed 112-000-000
  4. SenatePassed Both Houses
  5. SenateSent to the Governor
  6. SenateGovernor Approved
  7. SenateEffective Date January 1, 2025
  8. SenatePublic Act . . . . . . . . . 103-0972

Roll calls

5 recorded votes: 2 on the floor, 3 in committee. Each shows how every member voted.

Third Reading · Full Senate

Passed 55–0
May 9, 2024 · journal entry
Yes 55 No 0 Not voting 3
Democrats: 38 yes, 0 no Republicans: 17 yes, 0 no
How each member voted

Yes · 55

Not voting · 3

Third Reading · Full House

Passed 112–0
May 23, 2024 · journal entry
Yes 112 No 0 Not voting 5
Democrats: 73 yes, 0 no Republicans: 39 yes, 0 no
How each member voted

Yes · 112

Excused · 5

Committee and other votes

DateWhereQuestionResult
May 7, 2024 Senate Insurance Insurance - Do Pass As Amended
Members

Yes · 10

Not voting · 1

 10–0
May 7, 2024 Senate Insurance Senate Committee Amendment No. 2 - Insurance - Be Adopted
Members

Yes · 10

Not voting · 1

 10–0
May 20, 2024 House Insurance Insurance - Do Pass
Members

Yes · 14

Not voting · 1

 Passed 14–0

Sponsors

The member who introduced it, joined by 2 cosponsors: 1 Democrat, 1 Republican.

All 2 cosponsors

From Illinois's official records (www.ilga.gov), checked Nov 2, 2026. Text links go to the official versions; LegiList does not copy bill text.