Illinois · Senate Bill 2405 · 104th General Assembly

INS-SURPRISE BILL PROTECT

SB 2405 Sponsored by Ram Villivalam In committee

  1. Introduced Feb 7, 2025
  2. In committee Feb 7, 2025
  3. Passed the Senate Next
  4. Passed the House  
  5. To the governor  
  6. Became law  

What it does

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

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…

Read the full title (270 words)

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.

Every action

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

Show the 51 earlier steps
  1. SenateFiled with Secretary by Sen. Ram Villivalam
  2. SenateFirst Reading
  3. CommitteeReferred to Assignments · Senate Assignments
  4. SenateAdded as Chief Co-Sponsor Sen. Graciela Guzmán
  5. CommitteeAssigned to Insurance · Senate Insurance
  6. SenateAdded as Co-Sponsor Sen. Laura Fine
  7. SenateAdded as Co-Sponsor Sen. Cristina Castro
  8. CommitteePostponed - Insurance · Senate Insurance
  9. SenateAdded as Co-Sponsor Sen. Sara Feigenholtz
  10. SenateAdded as Co-Sponsor Sen. Bill Cunningham
  11. SenateAdded as Co-Sponsor Sen. Willie Preston
  12. SenateAdded as Co-Sponsor Sen. Robert Peters
  13. SenateRule 2-10 Committee Deadline Established As April 4, 2025
  14. SenateAdded as Co-Sponsor Sen. Suzy Glowiak Hilton
  15. SenateAdded as Co-Sponsor Sen. Napoleon Harris III
  16. CommitteeDo Pass Insurance; 012-000-000 · Senate Insurance
  17. SenatePlaced on Calendar Order of 2nd Reading April 3, 2025
  18. SenateAdded as Chief Co-Sponsor Sen. Willie Preston
  19. SenateAdded as Co-Sponsor Sen. Mike Porfirio
  20. SenateAdded as Co-Sponsor Sen. Celina Villanueva
  21. SenateAdded as Co-Sponsor Sen. Javier L. Cervantes
  22. SenateAdded as Co-Sponsor Sen. Mike Simmons
  23. SenateAdded as Co-Sponsor Sen. Mary Edly-Allen
  24. SenateAdded as Co-Sponsor Sen. Adriane L. Johnson
  25. SenateAdded as Co-Sponsor Sen. Rachel Ventura
  26. SenateAdded as Co-Sponsor Sen. Karina Villa
  27. SenateAdded as Co-Sponsor Sen. Robert F. Martwick
  28. SenateAdded as Co-Sponsor Sen. Linda Holmes
  29. SenateAdded as Co-Sponsor Sen. David Koehler
  30. SenateSenate Floor Amendment No. 1 Filed with Secretary by Sen. Ram Villivalam
  31. CommitteeSenate Floor Amendment No. 1 Referred to Assignments · Senate Assignments
  32. SenateSecond Reading
  33. SenatePlaced on Calendar Order of 3rd Reading April 10, 2025
  34. SenateAdded as Co-Sponsor Sen. Doris Turner
  35. SenateAdded as Co-Sponsor Sen. Michael W. Halpin
  36. SenateAdded as Co-Sponsor Sen. Michael E. Hastings
  37. SenateAdded as Co-Sponsor Sen. Mattie Hunter
  38. SenateAdded as Co-Sponsor Sen. Chapin Rose
  39. SenateRule 2-10 Third Reading Deadline Established As May 9, 2025
  40. SenateAdded as Co-Sponsor Sen. Erica Harriss
  41. CommitteeSenate Floor Amendment No. 1 Assignments Refers to Insurance · Senate Assignments
  42. SenateAdded as Co-Sponsor Sen. Lakesia Collins
  43. SenateSenate Floor Amendment No. 2 Filed with Secretary by Sen. Ram Villivalam
  44. CommitteeSenate Floor Amendment No. 2 Referred to Assignments · Senate Assignments
  45. SenateRule 2-10 Third Reading Deadline Established As May 23, 2025
  46. CommitteeSenate Floor Amendment No. 2 Assignments Refers to Insurance · Senate Assignments
  47. SenateSenate Floor Amendment No. 3 Filed with Secretary by Sen. Ram Villivalam
  48. CommitteeSenate Floor Amendment No. 3 Referred to Assignments · Senate Assignments
  49. CommitteeSenate Floor Amendment No. 3 Assignments Refers to Insurance · Senate Assignments
  50. SenateAdded as Co-Sponsor Sen. Terri Bryant
  51. SenateAdded as Co-Sponsor Sen. John F. Curran
  1. CommitteeSenate Floor Amendment No. 3 Recommend Do Adopt Insurance; 013-000-000 · Senate Insurance
  2. SenateAdded as Co-Sponsor Sen. Seth Lewis
  3. SenateRule 2-10 Third Reading Deadline Established As June 1, 2025
  4. SenateAdded as Co-Sponsor Sen. Chris Balkema
  5. CommitteeRule 3-9(a) / Re-referred to Assignments · Senate Assignments
  6. CommitteeSenate Floor Amendment No. 1 Pursuant to Senate Rule 3-9(b) / Referred to Assignments · Senate Assignments
  7. CommitteeSenate Floor Amendment No. 2 Pursuant to Senate Rule 3-9(b) / Referred to Assignments · Senate Assignments
  8. CommitteeSenate Floor Amendment No. 3 Pursuant to Senate Rule 3-9(b) / Referred to Assignments · Senate Assignments

Roll calls

2 recorded votes: 0 on the floor, 2 in committee. Each shows how every member voted.

Committee votes

DateWhereQuestionResult
Apr 2, 2025 Senate Insurance Insurance - Do Pass
Members

Yes · 12

Not voting · 2

 Passed 12–0
May 20, 2025 Senate Insurance Senate Floor Amendment No. 3 - Insurance - Recommend Do Adopt
Members

Yes · 13

Not voting · 1

 Passed 13–0

Sponsors

The member who introduced it, joined by 31 cosponsors: 25 Democrats, 6 Republicans.

All 31 cosponsors

From Illinois's official records (www.ilga.gov), checked Nov 13, 2026. Text links go to the official versions; LegiList does not copy bill text.