Insights

Illinois Governor Signs Health Insurance Consumer Protection Bills


On May 26, 2022, Gov. Pritzker signed two bills into law to increase health insurance protections and access for Illinois consumers, building on existing protections under the federal No Surprises Act. For more information on the federal No Surprises Act and the interim final rules, see the articles published in the July 7, 2021, and November 9, 2021, editions of Compliance Corner.

First, HB 4703 (effective July 1, 2022) grants the Illinois Department of Insurance (IL DOI) additional authority to assist consumers who were billed at out-of-network rates after receiving care they believed was in-network, a billing practice prohibited by the No Surprises Act. Employers sponsoring health plans in Illinois should verify their carriers are complying with these requirements and are aware of the additional state enforcement authority.

Second, SB 3910 (effective January 1, 2023) requires health, prescription drug, and dental plan member ID cards to identify the regulatory entity that holds authority over the plan, whether the plan is fully insured or self-insured, and include any applicable deductibles or out-of-pocket maximums and plan contact information. This bill grants the IL DOI authority to enforce similar ID card transparency requirements embedded in the federal No Surprises Act. Employers sponsoring fully insured health, prescription drug, and dental plans in Illinois should verify their carriers are preparing to issue cards meeting the new requirements, many of which mirror the No Surprises Act.

Press Release »
HB 4703 »
SB 3910 »