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SB3864

View on ILGA

INS CD-COST SHARING RESTRICT

What this bill does

Amends the Illinois Insurance Code. In provisions requiring policies of group accident and health insurance to provide coverage for certain examination and testing services provided to a victim of specified criminal offenses, prohibits the policy from imposing a deductible, coinsurance, copayment, or any other cost-sharing requirement on the coverage provided, except to the extent that the coverage would disqualify a high-deductible health plan from eligibility for a health savings account under the Internal Revenue Code. Effective January 1, 2027.

Sponsor: John F. Curran Chamber: Senate Introduced: 2026-02-06
Stuck
P(Advance)
14.7%
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).
Confidence: 85%

Calculating prediction drivers...

Pipeline Progress

Current stage: In Committee · Last action 246 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

Campaign finance

This is SBE campaign receipts to the people on this bill, not Moneyball and not earmarked to the bill.

Money is campaign receipts to matched candidate committees, not earmarked to this bill. Window 2025-01-01 – 2026-09-13.

$2,753,221.46 Across sponsors / voters
1 Members with trails
0 Overlapping donors

Sponsor and voter funding

Member Role Receipts Total received Top donors
John F. Curran Chief sponsor 665 $2,753,221.46 Chicago Land Operators Joint Labor-Management PAC ($475,000.00); Engineers Political Education Committee Separate Education Fund ($385,000.00); Health Care Council of Illinois Political Action Committee ($110,000.00)

Top donors across these members

Donor Occupation Employer Receipts Total
Chicago Land Operators Joint Labor-Management PAC — — 6 $475,000.00
Engineers Political Education Committee Separate Education Fund — — 2 $385,000.00
Health Care Council of Illinois Political Action Committee — — 2 $110,000.00
John Curran Senator State of Illinois 1 $100,001.00
BMO Harris Bank — — 38 $89,439.21
Illinois Road Builders PAC — — 2 $50,000.00
LIUNA Chicago Laborers' District Council PAC — — 2 $50,000.00
Illinois Risk Management Services, Inc. — — 3 $45,000.00
Associated Beer Distributors of Illinois PAC — — 4 $42,306.98
Accel Entertainment Gaming, LLC — — 3 $40,000.00
Senate Republican Victory Fund — — 138 $36,919.80
United Assn. of Journeymen & IL Pipe Trades Assn. PAC — — 1 $35,000.00
Realtor Political Action Committee — — 6 $32,500.00
Manufacturers Political Action Committee — — 2 $30,000.00
Midwest Gaming & Entertainment LLC — — 1 $30,000.00
Southern Glazer's Wine and Spirits, LLC — — 2 $29,200.00
IMHA-PAC — — 2 $26,000.00
Marquis Energy LLC — — 1 $25,000.00
Fraternal Order of Police-Chicago Lodge No. 7 — — 1 $25,000.00
Chicago J. Dineen Lodge #7 PAC — — 1 $25,000.00
AGC of Illinois PAC — — 2 $20,000.00
IBEW Illinois PAC — — 1 $20,000.00
Comcast Financial Agency Corporation — — 2 $20,000.00
Association Management Resources, Inc. — — 2 $20,000.00
Downstate Operators Joint Labor-Management PAC — — 1 $20,000.00

Hearings

This bill has not been scheduled for a committee hearing.

Action History

3 actions recorded. Last action: 2026-02-06 — Referred toAssignments. Each action's meaning and outcome signal are classified automatically.

2026-02-06 Introduction & Filing
Filed with Secretary bySen. John F. Curran Rule 2-7(b)
Bill officially submitted to the Senate Secretary during the session.
2026-02-06 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.
2026-02-06 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.

All actions (table)

Date Chamber Action Category Signal
2026-02-06 Senate Filed with Secretary bySen. John F. Curran Rule 2-7(b) Introduction & Filing —
2026-02-06 Senate First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 Introduction & Filing —
2026-02-06 Senate Referred toAssignments Senate Rule 3-8(a); House Rule 18(a) Committee Assignment —