Illinois · Senate Bill 3815 · 104th General Assembly

INS-PAST DUE PREMIUMS

SB 3815 Sponsored by Laura Ellman Became law

  1. Introduced Feb 6, 2026
  2. In committee Feb 6, 2026
  3. Passed the Senate Apr 15, 2026
  4. Passed the House May 22, 2026
  5. To the governor Jun 18, 2026
  6. Became law Jun 26, 2026

What it does

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

Amends the Illinois Health Insurance Portability and Accountability Act. Defines "grandfathered health plan". Provides that, except for grandfathered health plans, a health insurance issuer in the individual, small group, or large group market shall not deny coverage to an individual or employer due to the individual's or employer's failure to pay premiums owed under a prior policy, certificate, or contract of…

Read the full title (97 words)

Amends the Illinois Health Insurance Portability and Accountability Act. Defines "grandfathered health plan". Provides that, except for grandfathered health plans, a health insurance issuer in the individual, small group, or large group market shall not deny coverage to an individual or employer due to the individual's or employer's failure to pay premiums owed under a prior policy, certificate, or contract of insurance. Specifies that nothing in the provisions concerning past-due premiums prohibits a health insurance issuer from pursuing the collection of past-due premiums from an individual or employer by any other means permitted by law. Effective immediately.

Every action

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

Show the 27 earlier steps
  1. SenateFiled with Secretary by Sen. Laura Ellman
  2. SenateFirst Reading
  3. CommitteeReferred to Assignments · Senate Assignments
  4. CommitteeAssigned to Insurance · Senate Insurance
  5. SenateAdded as Chief Co-Sponsor Sen. Cristina Castro
  6. CommitteeDo Pass Insurance; 009-000-000 · Senate Insurance
  7. SenatePlaced on Calendar Order of 2nd Reading March 5, 2026
  8. SenateSecond Reading
  9. SenatePlaced on Calendar Order of 3rd Reading March 10, 2026
  10. SenateSenate Floor Amendment No. 1 Filed with Secretary by Sen. Laura Ellman
  11. CommitteeSenate Floor Amendment No. 1 Referred to Assignments · Senate Assignments
  12. CommitteeSenate Floor Amendment No. 1 Assignments Refers to Insurance · Senate Assignments
  13. CommitteeSenate Floor Amendment No. 1 Recommend Do Adopt Insurance; 011-000-000 · Senate Insurance
  14. SenateRecalled to Second Reading
  15. SenateSenate Floor Amendment No. 1 Adopted; Ellman
  16. SenatePlaced on Calendar Order of 3rd Reading
  17. SenateThird Reading - Passed; 053-000-000
  18. SenateAdded as Co-Sponsor Sen. Mary Edly-Allen
  19. HouseArrived in House
  20. HouseChief House Sponsor Rep. Martha Deuter
  21. HouseFirst Reading
  22. CommitteeReferred to Rules Committee · House Rules
  23. CommitteeAssigned to Insurance Committee · House Insurance
  24. CommitteeDo Pass / Short Debate Insurance Committee; 010-005-000 · House Insurance
  25. HousePlaced on Calendar 2nd Reading - Short Debate
  26. HouseSecond Reading - Short Debate
  27. HousePlaced on Calendar Order of 3rd Reading - Short Debate
  1. HouseThird Reading - Short Debate - Passed 094-005-000
  2. SenatePassed Both Houses
  3. HouseAdded Alternate Co-Sponsor Rep. Matt Hanson
  4. HouseAdded Alternate Co-Sponsor Rep. Nicolle Grasse
  5. SenateSent to the Governor
  6. SenateGovernor Approved
  7. SenateEffective Date June 26, 2026
  8. SenatePublic Act . . . . . . . . . 104-0533

Roll calls

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

Third Reading · Full Senate

Passed 53–0
Apr 15, 2026 · journal entry
Yes 53 No 0 Not voting 6
Democrats: 37 yes, 0 no Republicans: 16 yes, 0 no
How each member voted

Yes · 53

Not voting · 6

Third Reading · Full House

Passed 94–5
May 22, 2026 · journal entry
Yes 94 No 5 Not voting 19
Democrats: 63 yes, 0 no Republicans: 31 yes, 5 no
How each member voted

Yes · 94

No · 5

Not voting · 1

Excused · 18

Committee and other votes

DateWhereQuestionResult
Mar 3, 2026 Senate Insurance Insurance - Do Pass
Members

Yes · 9

Not voting · 5

 9–0
Apr 14, 2026 Senate Insurance Senate Floor Amendment No. 1 - Insurance - Recommend Do Adopt
Members

Yes · 11

Not voting · 3

 Passed 11–0
May 5, 2026 House Insurance Insurance - Do Pass
Members

Yes · 10

No · 5

Not voting · 1

 Passed 10–5

Sponsors

The member who introduced it, joined by 4 cosponsors: 4 Democrats.

All 4 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.