SB 3815 Illinois Senate · 104th Regular Session

INS-PAST DUE PREMIUMS

Summary
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.
Bill status signed all 5 stages cleared
Introduction
Apr 2026
Committee Review
May 2026
Senate Passage
May 2026
House Passage
May 2026
Signed into Law
Jun 2026
Introduced Apr 15, 2026 Signed Jun 26, 2026
Maddy AI version diff · 2 comparisons

What changed between versions

Engrossed Enrolled · 1 edit · Jun 26, 2026
MINOR
The primary change between the Engrossed and Enrolled versions of SB 3815 is the update of the bill's status from 'Engrossed' to 'Enrolled' in the document headers and page footers. This indicates the bill has been finalized and approved by both legislative chambers, ready for the Governor's signature. No substantive policy, legal, or operational text within the body of the bill was altered.
TECHNICAL

Updated document status labels from 'Engrossed' to 'Enrolled' throughout the text to reflect the bill's final passage.

Floor votes · Senate Apr 15, 2026 · House May 22, 2026

How they voted

520
Passed · 6 other
Total votes 58
Apr 15, 2026
D Democratic39
36 Yea 3
92% Yea
R Republican19
16 Yea 3
84% Yea
Vote distribution
All Yea All Nay Mixed No data
Full legislative history

Actions timeline

Total actions
35
Key actions
7
Committee
7
Amendments
4
Jun 26, 2026
Signed into law
Governor Approved
upper
May 22, 2026
Upper · Passed
Passed Both Houses
upper
May 22, 2026
Lower · Passed
Third Reading - Short Debate - Passed 094-005-000
lower
May 5, 2026
Lower · Passed
Do Pass / Short Debate Insurance Committee; 010-005-000
lower
Apr 27, 2026
Committee
Assigned to Insurance Committee
lower
Apr 17, 2026
Committee
Referred to Rules Committee
lower
Apr 15, 2026
Introduced
Arrived in House
lower
Apr 15, 2026
Upper · Passed
Third Reading - Passed; 053-000-000
upper
Apr 15, 2026
Upper · Passed
Senate Floor Amendment No. 1 Adopted; Ellman
upper
Apr 14, 2026
Introduced
Senate Floor Amendment No. 1 Recommend Do Adopt Insurance; 011-000-000
upper
Apr 14, 2026
Introduced
Senate Floor Amendment No. 1 Assignments Refers to Insurance
upper
Apr 9, 2026
Committee
Senate Floor Amendment No. 1 Referred to Assignments
upper
Apr 9, 2026
Introduced
Senate Floor Amendment No. 1 Filed with Secretary by Sen. Laura Ellman
upper
Mar 4, 2026
Upper · Passed
Do Pass Insurance; 009-000-000
upper
Feb 24, 2026
Committee
Assigned to Insurance
upper
Feb 6, 2026
Committee
Referred to Assignments
upper
2 primary · 4 co-sponsors

Sponsors