HB 3605 Illinois House · 104th Regular Session

INS-GENETIC TESTING & SCREEN

Summary

Amends the Illinois Insurance Code. Makes changes to defined terms. Provides that a group policy of accident and health insurance or managed care plan that is amended, delivered, issued, or renewed after January 1, 2026 shall provide coverage for evidence-based cancer imaging for individuals with an increased risk of cancer as recommended by the current National Comprehensive Cancer Network clinical practice guidelines. Provides that this coverage shall be provided without cost-sharing, and the requirements of the Act shall not apply to the extent that providing coverage would disqualify a high-deductible health plan from eligibility for a health savings account.

Issues: ✓ Healthcare

Bill status passed 3 of 5 stages cleared

Introduction

Apr 2026

Committee Review

Jun 2026

House Passage

Apr 2026

Senate Passage

Governor

Introduced Apr 21, 2026 Last action Jun 1, 2026

Maddy AI version diff · 1 comparison

What changed between versions

Introduced → Engrossed · 6 edits · Apr 16, 2026

MODERATE

This bill updates the State Employees Group Insurance Act to add a new section (6.11F) that mandates coverage for genetic testing and evidence-based cancer screenings for individuals with an inherited gene mutation. The changes clarify definitions and ensure these benefits are provided without cost-sharing, aligning state employee health plans with federal guidelines for high-deductible health plans.

Scope change

The bill expands the scope of required health benefits by adding a new section specifically for genetic testing and cancer screenings, which was previously only referenced in a broader list of requirements.

REQUIREMENT

Added a new Section 6.11F requiring coverage for genetic testing and evidence-based cancer screenings for individuals with an inherited gene mutation.

Mandated that coverage for genetic testing and screenings be provided without cost-sharing (deductibles, coinsurance, or copayments).

Added an exemption stating that these coverage requirements do not apply if providing them would disqualify a high-deductible health plan from eligibility for a health savings account.

DEFINITION

Defined 'genetic testing for an inherited mutation' as germline multi-gene testing and 'evidence-based cancer screenings' as medically recommended modalities following current clinical practice guidelines.

TIMELINE

The new requirements apply to group policies that are amended, delivered, issued, or renewed after January 1, 2026.

TECHNICAL

Updated the list of referenced Illinois Insurance Code sections to include new subsections and corrected the effective date of a prior Public Act from 2027 to 2027 (likely a typo in the source text, but noted as a change in the bill text).

Floor votes · House Apr 16, 2026

How they voted

68–33

Passed · 15 other

Total votes 116

Apr 16, 2026

D Democratic76

68 Yea 8

89% Yea

R Republican40

33 Nay 7

82% Nay

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

Jun 1, 2026

Committee

Rule 3-9(a) / Re-referred to Assignments

upper

May 13, 2026

Upper · Passed

Do Pass as Amended Insurance; 011-002-000

upper

May 12, 2026

Upper · Passed

Senate Committee Amendment No. 1 Adopted

upper

May 8, 2026

Upper · Passed

Rule 2-10 Committee Deadline Established As May 15, 2026

upper

May 6, 2026

Upper · Passed

Senate Committee Amendment No. 1 Assignments Refers to Insurance

upper

May 5, 2026

Committee

Senate Committee Amendment No. 1 Referred to Assignments

upper

May 5, 2026

Introduced

Senate Committee Amendment No. 1 Filed with Secretary by Sen. Mattie Hunter

upper

Apr 28, 2026

Committee

Assigned to Insurance

upper

Apr 21, 2026

Committee

Referred to Assignments

upper

Apr 21, 2026

Introduced

Arrive in Senate

upper

Apr 16, 2026

Amended

House Floor Amendment No. 3 Tabled

lower

Apr 16, 2026

Amended

House Floor Amendment No. 2 Tabled

lower

Apr 16, 2026

Lower · Passed

Third Reading - Short Debate - Passed 070-033-000

lower

Apr 16, 2026

Lower · Passed

House Floor Amendment No. 4 Adopted

lower

Apr 16, 2026

Lower · Passed

House Floor Amendment No. 4 Recommends Be Adopted Insurance Committee; 010-006-000

lower

Apr 15, 2026

Lower · Passed

House Floor Amendment No. 4 Rules Refers to Insurance Committee

lower

Apr 15, 2026

Committee

House Floor Amendment No. 4 Referred to Rules Committee

lower

Apr 15, 2026

Introduced

House Floor Amendment No. 4 Filed with Clerk by Rep. Camille Y. Lilly

lower

Mar 25, 2026

Lower · Passed

House Floor Amendment No. 3 Rules Refers to Insurance Committee

lower

Mar 24, 2026

Committee

House Floor Amendment No. 3 Referred to Rules Committee

lower

Mar 24, 2026

Introduced

House Floor Amendment No. 3 Filed with Clerk by Rep. Camille Y. Lilly

lower

Mar 18, 2026

Lower · Passed

House Floor Amendment No. 2 Rules Refers to Insurance Committee

lower

Mar 16, 2026

Committee

House Floor Amendment No. 2 Referred to Rules Committee

lower

Mar 16, 2026

Introduced

House Floor Amendment No. 2 Filed with Clerk by Rep. Camille Y. Lilly

lower

Mar 12, 2026

Lower · Passed

House Floor Amendment No. 1 Recommends Be Adopted Rules Committee; 005-000-000

lower

Mar 12, 2026

Lower · Passed

Approved for Consideration Rules Committee; 005-000-000

lower

Apr 11, 2025

Committee

House Floor Amendment No. 1 Rule 19(c) / Re-referred to Rules Committee

lower

Apr 11, 2025

Committee

Rule 19(a) / Re-referred to Rules Committee

lower

Mar 26, 2025

Lower · Passed

House Floor Amendment No. 1 Recommends Be Adopted Rules Committee; 005-000-000

lower

Mar 25, 2025

Committee

House Floor Amendment No. 1 Referred to Rules Committee

lower

Mar 25, 2025

Introduced

House Floor Amendment No. 1 Filed with Clerk by Rep. Camille Y. Lilly

lower

Mar 20, 2025

Lower · Passed

Do Pass / Short Debate Insurance Committee; 011-006-000

lower

Mar 11, 2025

Committee

Assigned to Insurance Committee

lower

Feb 18, 2025

Committee

Referred to Rules Committee

lower

2 primary · 14 co-sponsors