SB0268
View on ILGAINSURANCE RATE FAIRNESS
What this bill does
Creates the Insurance Fairness and Consumer Protection Law Article of the Illinois Insurance Code. Provides that insurers must submit a request for approval to the Department of Insurance for any proposed rate increase for homeowners insurance premiums or automobile insurance premiums. Prohibits implementing any rate increase without prior written approval of the Department. Prohibits using nondriving factors, such as credit score, occupation, and education level, to determine automobile insurance premiums. Provides that, for homeowners insurance, factors unrelated to the insured property's location, age, and condition shall not be considered in rate setting. Requires a public disclosure and comment period for any proposed rate increase exceeding 10% in a 12-month period. Prohibits an insurer from increasing premiums by more than 15% per year for any policyholder without exceptional justification, which must include specified evidence. Sets forth provisions concerning definitions; penalties; reimbursement of consumers; market conduct actions; Department approval of rate increases; and rulemaking. Effective immediately.
Stuck
P(Advance)
Chance it ever
reaches a milestone (committee, floor, etc.). Not “next step.”
P(Law)
Chance it becomes
law given where it is now (stage, momentum).
Forecast
Low
P(law) at intro —
sponsor & topic only; no progress or delay.
Confidence: 94%
Calculating prediction drivers...
Pipeline Progress
Current stage: Passed Committee · Last action 214 days ago · STAGNANT
How does a bill become law in Illinois?
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Introduction of Bill
A member of the Senate or the House introduces a bill, which is assigned a unique identifying number (e.g., "H.B. ___" for House bills and "S.B. ___" for Senate bills). If not enacted, it must be reintroduced in the next General Assembly with a new number.
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Committee Work — Hearings
The bill goes to the appropriate committee, which holds hearings to gather expert opinions and determine the need for the legislation.
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Committee Work — Markup, Amendments, Report
The committee may make amendments to the bill. If approved, a committee report endorsing the bill is issued.
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Floor Debate
The bill is debated and can be further amended. The debate transcripts are accessible online for public viewing.
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Passage and Consideration in Second Chamber
If the bill passes in the first chamber, it moves to the second chamber for a similar review process. If both chambers approve, it goes to the governor.
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Gubernatorial Action
The governor can sign the bill into law, veto it, or take no action (resulting in an automatic law after 60 days). The type of veto can be total or amendatory. Once signed, the bill becomes a Public Act and is assigned a Public Act number.
Sponsor Context
Michael E. Hastings
Moderate Influence (#19)
Bridges legislative blocs (high betweenness)
Bills sponsored by Michael E. Hastings advance 8% more often than the chamber average.
Public Engagement
48 witness slips filed
40 proponents / 8 opponents
30 organizations
Witness slips
48 slips filed. Proponent / opponent / no position as filed with the committee.
| Name | Organization | Representing | Position | Hearing committee | Hearing date |
|---|---|---|---|---|---|
| ALEJANDRA SANCHEZ | ATEC AMBULANCE | ATEC AMBULANCE | Proponent | Insurance | 2025-05-20 |
| Amanda Fagan | Gardner Fire Protection District | Michael E. Hastings | Proponent | Insurance | 2025-05-20 |
| Andrew Rand | Advanced Medical Transport of Central Illinois | Advanced Medical Transport of Central Illinois | Proponent | Insurance | 2025-05-20 |
| Andy Schroeder | North Park Fire Protection District | North Park Fire Protection District | Proponent | Insurance | 2025-05-20 |
| Anthony Wellington II | NORCOMM COMMUNICATIONS PUBLIC SAFETY | SUPERIOR AMBULANCE INC | Proponent | Insurance | 2025-05-20 |
| casey canter | Medstar | Medstar EMS ILLINOIS | Proponent | Insurance | 2025-05-20 |
| CHRISTINA GONZALEZ | A-TEC AMBULANCE, INC | ATEC AMBULANCE INC. | Proponent | Insurance | 2025-05-20 |
| Dave Bochenek | River Forest Fire Department | River Forest Fire Department | Proponent | Insurance | 2025-05-20 |
| David Davis | A-TEC Ambulance Inc | A-TEC Ambulance | Proponent | Insurance | 2025-05-20 |
| David M Johnson | NA | NA | Proponent | Insurance | 2025-05-20 |
| David Schwartz | Self | Self | Proponent | Insurance | 2025-05-20 |
| Dean Buch | MedStar Ambulance,Inc | MedStar Ambulance, Inc | Proponent | Insurance | 2025-05-20 |
| Francesca Morris | Self | Self | Proponent | Insurance | 2025-05-20 |
| Heidi Hermes | Metro Paramedic Services, Inc. | Metro Paramedic Services, Inc. | Proponent | Insurance | 2025-05-20 |
| Jeremy Adams | Boone County District 2 Fire Department | Boone County Fire District 2 | Proponent | Insurance | 2025-05-20 |
| Joe Falaschetti | Beecher Fire Protection District | Beecher Fire Protection District | Proponent | Insurance | 2025-05-20 |
| Joel Hallstrom | North Park Fire Protection District | Fire department based ambulance providers | Proponent | Insurance | 2025-05-20 |
| John Umek | City of North Chicago | City of North Chicago | Proponent | Insurance | 2025-05-20 |
| JUDITH MURPHY | A-TEC AMBULANCE | A-TEC AMBULANCE | Proponent | Insurance | 2025-05-20 |
| Kathryn Krajewski | A-Tec Ambulance, Inc. | A-Tec Ambulance | Proponent | Insurance | 2025-05-20 |
| Leon Filas | Filas Media Consulting | Metro Paramedic Services | Proponent | Insurance | 2025-05-20 |
| Lyndsey Ryan | Atec Ambulance | Atec Ambulance Inc | Proponent | Insurance | 2025-05-20 |
| Matt Hehn | North Park Fire Protection District | North Park Fire Protection District | Proponent | Insurance | 2025-05-20 |
| Megan Ladewig | A-TEC Ambulance | Megan Ladewig | Proponent | Insurance | 2025-05-20 |
| Michael Luebbers | Illinois Freedom Civic Coalition dba Illinois Freedom Alliance | On behalf of IFCC dba IFA | Proponent | Insurance | 2025-05-20 |
| Roger Scott | A-TEC Ambulance, Inc. | Illinois State Ambulance Association and A-TEC Ambulance, Inc. | Proponent | Insurance | 2025-05-20 |
| Ryan Rothweiler | Medstar Ambulance | medstar ambulance | Proponent | Insurance | 2025-05-20 |
| Steve Stelloh | NORCOMM 911 | NORCOMM 911 Communications | Proponent | Insurance | 2025-05-20 |
| Ted Beskow | Individual | Fire Department | Proponent | Insurance | 2025-05-20 |
| Travis R Kempfer | Medstar Ambulance Inc | Medstar Ambulance Inc | Proponent | Insurance | 2025-05-20 |
| Vicky Peckus | A-Tec Ambulance, Inc | A-Tec Ambulance, Inc | Proponent | Insurance | 2025-05-20 |
| Zachary Wills | ATEC Ambulance | ATEC Ambulance | Proponent | Insurance | 2025-05-20 |
| David Schwartz | Self | Self | Proponent | Insurance | 2025-05-13 |
| David Schwartz | Self | Self | Proponent | Insurance | 2025-05-06 |
| Nicholas Haile | self | self | Proponent | Insurance | 2025-05-06 |
| David Schwartz | Self | Self | Proponent | Insurance | 2025-04-08 |
| Michael Luebbers | Illinois Freedom Civic Coalition dba Illinois Freedom Alliance | On behalf of IFCC dba IFA | Proponent | Insurance | 2025-04-08 |
| Nicholas Haile | self | self | Proponent | Insurance | 2025-04-08 |
| Sandra Alexander | NA | Self | Proponent | Insurance | 2025-04-08 |
| Shannon R Rapp | Blue Sky Van Rides | Shannon Rapp | Proponent | Insurance | 2025-04-08 |
| Gabriela Garza | Illinois Manufacturers' Association | Illinois Manufacturers' Association | Opponent | Insurance | 2025-05-13 |
| Gabriela Garza | Illinois Manufacturers' Association | Illinois Manufacturers' Association | Opponent | Insurance | 2025-05-06 |
| Gabriela Garza | Illinois Manufacturers' Association | Illinois Manufacturers' Association | Opponent | Insurance | 2025-04-08 |
| Jordan Ryan | Illinois Chamber of Commerce | Illinois Chamber of Commerce | Opponent | Insurance | 2025-04-08 |
| Evan Manning | Big I IL | Big I IL | Opponent | Insurance | 2025-03-18 |
| Jennifer Hammer | JWHammer, LLC | National Association of Mutual Insurance Companies (NAMIC) | Opponent | Insurance | 2025-03-18 |
| Jordan Ryan | Illinois Chamber of Commerce | Illinois Chamber of Commerce | Opponent | Insurance | 2025-03-18 |
| Margaret A Houlihan Smith | CapitolHall Partners, LLC | American Property Casualty Insurance Association (APCIA) | Opponent | Insurance | 2025-03-18 |
Action History
30 actions recorded. Last action: 2025-10-23 — Added as Co-SponsorSen. Graciela Guzmán. Each action's meaning and outcome signal are classified automatically.
2025-01-24
Introduction & Filing
Filed with Secretary bySen. Michael E. Hastings Rule 2-7(b)
Bill officially submitted to the Senate Secretary during the session.
2025-01-24
Introduction & Filing
First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38
Formal introduction — title read into the official record. Required procedural step; bill now exists in the system.
2025-01-24
Committee Assignment
Referred toAssignments Senate Rule 3-8(a); House Rule 18(a)
Sent to a committee (usually Rules in the House, Assignments in the Senate). The gatekeeping step — Rules/Assignments decides which substantive committee hears the bill.
2025-01-29
Co-Sponsorship
Mild +
Added as Chief Co-SponsorSen. Mike Porfirio Senate Rule 5-1(a); House Rule 37(a)
A legislator takes on the chief co-sponsor role, a stronger commitment than regular co-sponsorship.
2025-01-29
Co-Sponsorship
Mild +
Added as Chief Co-SponsorSen. Meg Loughran Cappel Senate Rule 5-1(a); House Rule 37(a)
A legislator takes on the chief co-sponsor role, a stronger commitment than regular co-sponsorship.
2025-01-29
Co-Sponsorship
Mild +
Added as Chief Co-SponsorSen. Mike Simmons Senate Rule 5-1(a); House Rule 37(a)
A legislator takes on the chief co-sponsor role, a stronger commitment than regular co-sponsorship.
2025-02-04
Co-Sponsorship
Mild +
Added as Chief Co-SponsorSen. Patrick J. Joyce Senate Rule 5-1(a); House Rule 37(a)
A legislator takes on the chief co-sponsor role, a stronger commitment than regular co-sponsorship.
2025-02-26
Co-Sponsorship
Mild +
Added as Co-SponsorSen. Paul Faraci Senate Rule 5-1(a); House Rule 37(a)
A legislator added as co-sponsor.
2025-03-04
Committee Assignment
Assigned toInsurance Senate Rule 3-8(a); House Rule 18(b)
Sent to a substantive committee (e.g., Transportation, Revenue). This is where the bill gets a real hearing and evaluation.
2025-03-04
Amendment Actions
Senate Committee Amendment No. 1 Filed with Secretary bySen. Michael E. Hastings
[Amendment] Bill officially submitted to the Senate Secretary during the session.
2025-03-04
Amendment Actions
Senate Committee Amendment No. 1 Referred toAssignments
[Amendment] Sent to a committee (usually Rules in the House, Assignments in the Senate). The gatekeeping step — Rules/Assignments decides which substantive committee hears the bill.
2025-03-12
Amendment Actions
Senate Committee Amendment No. 1 Assignments Refers toInsurance
[Amendment] Senate Assignments Committee forwards the bill to a substantive committee.
2025-03-19
Amendment Actions
Senate Committee Amendment No. 1 Postponed -Insurance
[Amendment] Committee hearing postponed. Routine procedural action — does NOT mean the bill is dead. Sponsor may be gathering votes or negotiating amendments.
2025-03-19
Committee Action
Postponed -Insurance Senate Rule 3-11; House Rule 22
Committee hearing postponed. Routine procedural action — does NOT mean the bill is dead. Sponsor may be gathering votes or negotiating amendments.
2025-03-21
Deadlines & Re-referrals
Rule 2-10 Committee Deadline Established As April 4, 2025 Rule 2-10(a)(3-4)
Senate committee deadline set or extended. Procedural — establishes when the bill must be voted out of committee.
2025-04-04
Deadlines & Re-referrals
Rule 2-10 Committee Deadline Established As April 11, 2025 Rule 2-10(a)(3-4)
Senate committee deadline set or extended. Procedural — establishes when the bill must be voted out of committee.
2025-04-11
Deadlines & Re-referrals
Rule 2-10 Committee/3rd Reading Deadline Established As May 9, 2025 Rule 2-10(a)
Combined committee and floor deadline set for Senate bill.
2025-04-30
Committee Action
Postponed -Insurance Senate Rule 3-11; House Rule 22
Committee hearing postponed. Routine procedural action — does NOT mean the bill is dead. Sponsor may be gathering votes or negotiating amendments.
2025-05-06
Amendment Actions
Senate Committee Amendment No. 1 Postponed -Insurance
[Amendment] Committee hearing postponed. Routine procedural action — does NOT mean the bill is dead. Sponsor may be gathering votes or negotiating amendments.
2025-05-06
Committee Action
Postponed -Insurance Senate Rule 3-11; House Rule 22
Committee hearing postponed. Routine procedural action — does NOT mean the bill is dead. Sponsor may be gathering votes or negotiating amendments.
2025-05-09
Deadlines & Re-referrals
Rule 2-10 Committee/3rd Reading Deadline Established As May 23, 2025 Rule 2-10(a)
Combined committee and floor deadline set for Senate bill.
2025-05-14
Amendment Actions
Senate Committee Amendment No. 1 Postponed -Insurance
[Amendment] Committee hearing postponed. Routine procedural action — does NOT mean the bill is dead. Sponsor may be gathering votes or negotiating amendments.
2025-05-20
Amendment Actions
Senate Committee Amendment No. 1 Postponed -Insurance
[Amendment] Committee hearing postponed. Routine procedural action — does NOT mean the bill is dead. Sponsor may be gathering votes or negotiating amendments.
2025-05-20
Committee Action
Postponed -Insurance Senate Rule 3-11; House Rule 22
Committee hearing postponed. Routine procedural action — does NOT mean the bill is dead. Sponsor may be gathering votes or negotiating amendments.
2025-05-23
Deadlines & Re-referrals
Rule 2-10 Committee/3rd Reading Deadline Established As June 1, 2025 Rule 2-10(a)
Combined committee and floor deadline set for Senate bill.
2025-06-02
Deadlines & Re-referrals
Mild −
Rule 3-9(a) / Re-referred toAssignments Rule 3-9(a)
Senate procedural rule — bill re-referred to Assignments for missing Rule 2-10 deadline. Bill is NOT dead but faces uphill battle.
2025-06-02
Amendment Actions
Mild −
Senate Committee Amendment No. 1 Rule 3-9(a) / Re-referred toAssignments
[Amendment] Senate procedural rule — bill re-referred to Assignments for missing Rule 2-10 deadline. Bill is NOT dead but faces uphill battle.
2025-07-14
Co-Sponsorship
Mild +
Added as Co-SponsorSen. Laura Fine Senate Rule 5-1(a); House Rule 37(a)
A legislator added as co-sponsor.
2025-07-17
Co-Sponsorship
Mild +
Added as Co-SponsorSen. Rachel Ventura Senate Rule 5-1(a); House Rule 37(a)
A legislator added as co-sponsor.
2025-10-23
Co-Sponsorship
Mild +
Added as Co-SponsorSen. Graciela Guzmán Senate Rule 5-1(a); House Rule 37(a)
A legislator added as co-sponsor.
All actions (table)
| Date | Chamber | Action | Category | Signal |
|---|---|---|---|---|
| 2025-01-24 | Senate | Filed with Secretary bySen. Michael E. Hastings Rule 2-7(b) | Introduction & Filing | — |
| 2025-01-24 | Senate | First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 | Introduction & Filing | — |
| 2025-01-24 | Senate | Referred toAssignments Senate Rule 3-8(a); House Rule 18(a) | Committee Assignment | — |
| 2025-01-29 | Senate | Added as Chief Co-SponsorSen. Mike Porfirio Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-01-29 | Senate | Added as Chief Co-SponsorSen. Meg Loughran Cappel Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-01-29 | Senate | Added as Chief Co-SponsorSen. Mike Simmons Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-02-04 | Senate | Added as Chief Co-SponsorSen. Patrick J. Joyce Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-02-26 | Senate | Added as Co-SponsorSen. Paul Faraci Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-03-04 | Senate | Assigned toInsurance Senate Rule 3-8(a); House Rule 18(b) | Committee Assignment | — |
| 2025-03-04 | Senate | Senate Committee Amendment No. 1 Filed with Secretary bySen. Michael E. Hastings | Amendment Actions | — |
| 2025-03-04 | Senate | Senate Committee Amendment No. 1 Referred toAssignments | Amendment Actions | — |
| 2025-03-12 | Senate | Senate Committee Amendment No. 1 Assignments Refers toInsurance | Amendment Actions | — |
| 2025-03-19 | Senate | Senate Committee Amendment No. 1 Postponed -Insurance | Amendment Actions | — |
| 2025-03-19 | Senate | Postponed -Insurance Senate Rule 3-11; House Rule 22 | Committee Action | — |
| 2025-03-21 | Senate | Rule 2-10 Committee Deadline Established As April 4, 2025 Rule 2-10(a)(3-4) | Deadlines & Re-referrals | — |
| 2025-04-04 | Senate | Rule 2-10 Committee Deadline Established As April 11, 2025 Rule 2-10(a)(3-4) | Deadlines & Re-referrals | — |
| 2025-04-11 | Senate | Rule 2-10 Committee/3rd Reading Deadline Established As May 9, 2025 Rule 2-10(a) | Deadlines & Re-referrals | — |
| 2025-04-30 | Senate | Postponed -Insurance Senate Rule 3-11; House Rule 22 | Committee Action | — |
| 2025-05-06 | Senate | Senate Committee Amendment No. 1 Postponed -Insurance | Amendment Actions | — |
| 2025-05-06 | Senate | Postponed -Insurance Senate Rule 3-11; House Rule 22 | Committee Action | — |
| 2025-05-09 | Senate | Rule 2-10 Committee/3rd Reading Deadline Established As May 23, 2025 Rule 2-10(a) | Deadlines & Re-referrals | — |
| 2025-05-14 | Senate | Senate Committee Amendment No. 1 Postponed -Insurance | Amendment Actions | — |
| 2025-05-20 | Senate | Senate Committee Amendment No. 1 Postponed -Insurance | Amendment Actions | — |
| 2025-05-20 | Senate | Postponed -Insurance Senate Rule 3-11; House Rule 22 | Committee Action | — |
| 2025-05-23 | Senate | Rule 2-10 Committee/3rd Reading Deadline Established As June 1, 2025 Rule 2-10(a) | Deadlines & Re-referrals | — |
| 2025-06-02 | Senate | Rule 3-9(a) / Re-referred toAssignments Rule 3-9(a) | Deadlines & Re-referrals | Mild − |
| 2025-06-02 | Senate | Senate Committee Amendment No. 1 Rule 3-9(a) / Re-referred toAssignments | Amendment Actions | Mild − |
| 2025-07-14 | Senate | Added as Co-SponsorSen. Laura Fine Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-07-17 | Senate | Added as Co-SponsorSen. Rachel Ventura Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-10-23 | Senate | Added as Co-SponsorSen. Graciela Guzmán Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |