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HB3721

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INS OUT-OF-NETWORK EMERGENCY

What this bill does

Amends the Illinois Insurance Code. Provides that any group or individual policy of accident and health insurance or managed care plan amended, delivered, issued, or renewed on or after January 1, 2027 shall provide coverage for emergency medical services delivered by an out-of-network provider on the same terms as coverage that would be provided for an in-network provider. Provides that this requirement does not apply if the services rendered are not covered for in-network providers. Amends the State Employees Group Insurance Act of 1971, the Counties Code, the Illinois Municipal Code, the School Code, the Health Maintenance Organization Act, the Limited Health Service Organization Act, the Voluntary Health Services Plans Act, and the Illinois Public Aid Code to require coverage under those provisions.

Sponsor: Harry Benton Chamber: House Introduced: 2025-02-07
Stuck
P(Advance)
19.6%
Chance it ever reaches a milestone (committee, floor, etc.). Not “next step.”
P(Law)
0.0%
Chance it becomes law given where it is now (stage, momentum).
Forecast
0.7%
Low P(law) at intro — sponsor & topic only; no progress or delay.
Confidence: 80%

Calculating prediction drivers...

Pipeline Progress

Current stage: Floor Vote · Last action 363 days ago · STAGNANT

How does a bill become law in Illinois?
  1. 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.

  2. Committee Work — Hearings

    The bill goes to the appropriate committee, which holds hearings to gather expert opinions and determine the need for the legislation.

  3. Committee Work — Markup, Amendments, Report

    The committee may make amendments to the bill. If approved, a committee report endorsing the bill is issued.

  4. Floor Debate

    The bill is debated and can be further amended. The debate transcripts are accessible online for public viewing.

  5. 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.

  6. 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

Witness slips

9 slips filed. Proponent / opponent / no position as filed with the committee.

Name Organization Representing Position Hearing committee Hearing date
Aces Lira AIDS Foundation Chicago AIDS Foundation Chicago Proponent Insurance 2025-03-20
David Schwartz Self Self Proponent Insurance 2025-03-20
Jeanne Cameron AFSCME Council 31 AFSCME Council 31 Proponent Insurance 2025-03-20
Aces Lira AIDS Foundation Chicago AIDS Foundation Chicago Proponent Insurance 2025-03-18
Andrew Thornton Illinois State Ambulance Association Illinois State Ambulance Association Proponent Insurance 2025-03-18
David Schwartz Self Self Proponent Insurance 2025-03-18
Jeanne Cameron AFSCME Council 31 AFSCME Council 31 Proponent Insurance 2025-03-18
Kate Morthland Illinois Life & Health Insurance Council Illinois Life & Health Insurance Council Opponent Insurance 2025-03-20
Kate Morthland Illinois Life & Health Insurance Council Illinois Life & Health Insurance Council Opponent Insurance 2025-03-18

Roll-call votes

Total votes and outcome per event. Deciding vote = margin of 1; those voters on the winning side could have changed the outcome by flipping.

Date Chamber Type Description Yea Nay Present NV Outcome Margin Deciding voters
H Committee Insurance 11 6 0 0 Passed 5 —

Action History

10 actions recorded. Last action: 2025-04-11 — Rule 19(a) / Re-referred toRules Committee. Each action's meaning and outcome signal are classified automatically.

2025-02-07 Introduction & Filing
Filed with the Clerk byRep. Harry Benton House Rule 6(b)
Bill officially submitted to the House Clerk during the session.
2025-02-18 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.
2025-02-18 Committee Assignment
Referred toRules Committee 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.
2025-03-11 Committee Assignment
Assigned toInsurance Committee 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.
2025-03-20 Committee Action Positive
Do Pass / Short DebateInsurance Committee; 011-006-000 Senate Rule 3-11(a)(1); House Rule 22(a)(1), 52(b)
Committee recommends passage and places it on the Short Debate calendar (limited floor discussion time). Strong positive signal — committee believes bill has broad support.
2025-03-21 Floor Process Positive
Placed on Calendar 2nd Reading - Short Debate Senate Rule 4-4(7-8)/5-2; House Rule 31(8-9)/38/52
Bill placed on the Second Reading calendar. Positive — bill is queued for floor action.
2025-03-26 Floor Process Positive
Second Reading - Short Debate Senate Rule 3-12(a)/5-4(a); House Rule 24(a)/40(b)/52(a)(1)
Bill reaches the floor amendment stage on Short Debate calendar. Major milestone — bill has passed committee and is on the floor.
2025-03-26 Floor Process
Held on Calendar Order of Second Reading - Short Debate Senate Rule 4-4(7-8)/5-2; House Rule 31(8-9)/38/52
Bill was ready for Second Reading but was paused/held by the sponsor. Usually indicates the sponsor is still negotiating amendments or gathering votes. NOT a negative signal — the sponsor controls the pace.
2025-04-08 Co-Sponsorship Mild +
Added Co-SponsorRep. Camille Y. Lilly Senate Rule 5-1(a); House Rule 37(a)
A legislator adds their name as co-sponsor, signaling public support for the bill.
2025-04-11 Deadlines & Re-referrals Mild −
Rule 19(a) / Re-referred toRules Committee House Rule 19(a); Senate analog: Rule 3-9(a)
MISSED COMMITTEE DEADLINE — bill did not get a committee vote before the deadline and is re-referred to Rules/Assignments. The bill is NOT dead but faces an uphill battle to be reassigned. Most bills that hit Rule 19(a) do not advance.

All actions (table)

Date Chamber Action Category Signal
2025-02-07 House Filed with the Clerk byRep. Harry Benton House Rule 6(b) Introduction & Filing —
2025-02-18 House First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 Introduction & Filing —
2025-02-18 House Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a) Committee Assignment —
2025-03-11 House Assigned toInsurance Committee Senate Rule 3-8(a); House Rule 18(b) Committee Assignment —
2025-03-20 House Do Pass / Short DebateInsurance Committee; 011-006-000 Senate Rule 3-11(a)(1); House Rule 22(a)(1), 52(b) Committee Action Positive
2025-03-21 House Placed on Calendar 2nd Reading - Short Debate Senate Rule 4-4(7-8)/5-2; House Rule 31(8-9)/38/52 Floor Process Positive
2025-03-26 House Second Reading - Short Debate Senate Rule 3-12(a)/5-4(a); House Rule 24(a)/40(b)/52(a)(1) Floor Process Positive
2025-03-26 House Held on Calendar Order of Second Reading - Short Debate Senate Rule 4-4(7-8)/5-2; House Rule 31(8-9)/38/52 Floor Process —
2025-04-08 House Added Co-SponsorRep. Camille Y. Lilly Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +
2025-04-11 House Rule 19(a) / Re-referred toRules Committee House Rule 19(a); Senate analog: Rule 3-9(a) Deadlines & Re-referrals Mild −