Illinois · Senate Bill 3114 · 104th General Assembly

TRANSPARENCY IN DOWNCODING ACT

  1. Introduced Feb 2, 2026
  2. In committee Feb 2, 2026
  3. Passed the Senate May 14, 2026
  4. Passed the House May 27, 2026
  5. To the governor Jun 25, 2026
  6. Became law Jul 10, 2026

What it does

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

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'…

Read the full title (220 words)

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.

Every action

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

Show the 92 earlier steps
  1. SenateFiled with Secretary by Sen. David Koehler
  2. SenateFirst Reading
  3. CommitteeReferred to Assignments · Senate Assignments
  4. CommitteeAssigned to Insurance · Senate Insurance
  5. SenateAdded as Chief Co-Sponsor Sen. Julie A. Morrison
  6. SenateAdded as Co-Sponsor Sen. Laura Fine
  7. CommitteePostponed - Insurance · Senate Insurance
  8. SenateAdded as Co-Sponsor Sen. Andrew S. Chesney
  9. SenateAdded as Co-Sponsor Sen. Christopher Belt
  10. SenateAdded as Co-Sponsor Sen. Graciela Guzmán
  11. SenateAdded as Co-Sponsor Sen. Paul Faraci
  12. SenateAdded as Co-Sponsor Sen. Suzy Glowiak Hilton
  13. SenateAdded as Co-Sponsor Sen. Linda Holmes
  14. SenateAdded as Co-Sponsor Sen. Ram Villivalam
  15. SenateAdded as Co-Sponsor Sen. Mike Porfirio
  16. SenateAdded as Co-Sponsor Sen. Meg Loughran Cappel
  17. SenateAdded as Chief Co-Sponsor Sen. Cristina Castro
  18. SenateAdded as Co-Sponsor Sen. Doris Turner
  19. SenateAdded as Chief Co-Sponsor Sen. Robert Peters
  20. SenateAdded as Co-Sponsor Sen. Sally J. Turner
  21. CommitteePostponed - Insurance · Senate Insurance
  22. SenateAdded as Co-Sponsor Sen. Sue Rezin
  23. SenateAdded as Co-Sponsor Sen. Napoleon Harris, III
  24. CommitteeDo Pass Insurance; 010-000-000 · Senate Insurance
  25. SenatePlaced on Calendar Order of 2nd Reading March 12, 2026
  26. SenateSecond Reading
  27. SenatePlaced on Calendar Order of 3rd Reading March 24, 2026
  28. SenateAdded as Co-Sponsor Sen. Rachel Ventura
  29. SenateSenate Floor Amendment No. 1 Filed with Secretary by Sen. David Koehler
  30. CommitteeSenate Floor Amendment No. 1 Referred to Assignments · Senate Assignments
  31. SenateAdded as Co-Sponsor Sen. Elgie R. Sims, Jr.
  32. SenateAdded as Co-Sponsor Sen. Lakesia Collins
  33. CommitteeSenate Floor Amendment No. 1 Assignments Refers to Insurance · Senate Assignments
  34. CommitteeSenate Floor Amendment No. 1 Recommend Do Adopt Insurance; 011-000-000 · Senate Insurance
  35. SenateRule 2-10 Third Reading Deadline Established As May 8, 2026
  36. SenateSenate Floor Amendment No. 2 Filed with Secretary by Sen. David Koehler
  37. CommitteeSenate Floor Amendment No. 2 Referred to Assignments · Senate Assignments
  38. SenateRule 2-10 Third Reading Deadline Established As May 15, 2026
  39. CommitteeSenate Floor Amendment No. 2 Assignments Refers to Insurance · Senate Assignments
  40. CommitteeSenate Floor Amendment No. 2 Recommend Do Adopt Insurance; 013-000-000 · Senate Insurance
  41. SenateRecalled to Second Reading
  42. SenateSenate Floor Amendment No. 1 Withdrawn by Sen. David Koehler
  43. SenateSenate Floor Amendment No. 2 Adopted; Koehler
  44. SenatePlaced on Calendar Order of 3rd Reading
  45. SenateThird Reading - Passed; 059-000-000
  46. SenateAdded as Co-Sponsor Sen. Michael W. Halpin
  47. SenateAdded as Co-Sponsor Sen. Mike Simmons
  48. HouseArrived in House
  49. HouseChief House Sponsor Rep. Sharon Chung
  50. HouseFirst Reading
  51. CommitteeReferred to Rules Committee · House Rules
  52. CommitteeAssigned to Insurance Committee · House Insurance
  53. HouseCommittee/Final Action Deadline Extended-9(b) May 31, 2026
  54. SenateAdded as Co-Sponsor Sen. Chris Balkema
  55. HouseAdded Alternate Co-Sponsor Rep. Nicolle Grasse
  56. HouseAdded Alternate Co-Sponsor Rep. Dagmara Avelar
  57. HouseAdded Alternate Co-Sponsor Rep. Ryan Spain
  58. HouseAdded Alternate Chief Co-Sponsor Rep. William E Hauter
  59. HouseAdded Alternate Chief Co-Sponsor Rep. Jeff Keicher
  60. HouseAdded Alternate Chief Co-Sponsor Rep. Katie Stuart
  61. HouseAdded Alternate Co-Sponsor Rep. Dave Vella
  62. HouseAdded Alternate Co-Sponsor Rep. Rick Ryan
  63. SenateAdded as Co-Sponsor Sen. Emil Jones, III
  64. CommitteeDo Pass / Short Debate Insurance Committee; 015-000-000 · House Insurance
  65. HousePlaced on Calendar 2nd Reading - Short Debate
  66. HouseSecond Reading - Short Debate
  67. HouseHeld on Calendar Order of Second Reading - Short Debate
  68. HouseAdded Alternate Chief Co-Sponsor Rep. Jawaharial Williams
  69. HousePlaced on Calendar Order of 3rd Reading - Short Debate
  70. HouseThird Reading - Short Debate - Passed 111-000-000
  71. SenatePassed Both Houses
  72. HouseAdded Alternate Co-Sponsor Rep. Justin Cochran
  73. HouseAdded Alternate Co-Sponsor Rep. Anthony DeLuca
  74. HouseAdded Alternate Co-Sponsor Rep. Joyce Mason
  75. HouseAdded Alternate Co-Sponsor Rep. Mary Gill
  76. HouseAdded Alternate Co-Sponsor Rep. Michael J. Kelly
  77. HouseAdded Alternate Co-Sponsor Rep. Natalie A. Manley
  78. HouseAdded Alternate Co-Sponsor Rep. Matt Hanson
  79. HouseAdded Alternate Co-Sponsor Rep. Martha Deuter
  80. HouseAdded Alternate Co-Sponsor Rep. Tracy Katz Muhl
  81. HouseAdded Alternate Co-Sponsor Rep. Harry Benton
  82. HouseAdded Alternate Co-Sponsor Rep. Gregg Johnson
  83. HouseAdded Alternate Co-Sponsor Rep. William "Will" Davis
  84. HouseAdded Alternate Co-Sponsor Rep. Jennifer Gong-Gershowitz
  85. HouseAdded Alternate Co-Sponsor Rep. Kelly M. Cassidy
  86. HouseAdded Alternate Co-Sponsor Rep. Michelle Mussman
  87. HouseAdded Alternate Co-Sponsor Rep. Maurice A. West, II
  88. HouseAdded Alternate Co-Sponsor Rep. Mary Beth Canty
  89. HouseAdded Alternate Co-Sponsor Rep. Bob Morgan
  90. HouseAdded Alternate Co-Sponsor Rep. Stephanie A. Kifowit
  91. HouseAdded Alternate Co-Sponsor Rep. Amy Briel
  92. HouseAdded Alternate Co-Sponsor Rep. Sue Scherer
  1. HouseAdded Alternate Co-Sponsor Rep. Lisa Davis
  2. HouseAdded Alternate Co-Sponsor Rep. Rita Mayfield
  3. HouseAdded Alternate Co-Sponsor Rep. Michael Crawford
  4. HouseAdded Alternate Co-Sponsor Rep. Lawrence "Larry" Walsh, Jr.
  5. SenateSent to the Governor
  6. SenateGovernor Approved
  7. SenateEffective Date January 1, 2028
  8. SenatePublic Act . . . . . . . . . 104-0568

Roll calls

6 recorded votes: 2 on the floor, 4 in committee. Each shows how every member voted.

Third Reading · Full Senate

Passed 59–0
May 14, 2026 · journal entry
Yes 59 No 0
Democrats: 40 yes, 0 no Republicans: 19 yes, 0 no
How each member voted

Yes · 59

Third Reading · Full House

Passed 111–0
May 27, 2026 · journal entry
Yes 111 No 0 Not voting 7
Democrats: 74 yes, 0 no Republicans: 37 yes, 0 no
How each member voted

Yes · 111

Excused · 7

Committee and other votes

Sponsors

The member who introduced it, joined by 58 cosponsors: 51 Democrats, 7 Republicans.

All 58 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.