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Bill

HB 3607

INS CD-LIMIT COST SHARING

104th Regular Session Introduced by Camille Lilly

Illinois bill to cap patient cost-sharing (copays, deductibles, coinsurance) in insurance plans to improve healthcare affordability and access.

Rule 19(a) / Re-referred to Rules Committee
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Bill Summary · HB 3607

Legislative bill overview

HB 3607 proposes to limit cost-sharing requirements (copayments, coinsurance, and deductibles) for insurance coverage in Illinois. The bill passed the Insurance Committee with a "Do Pass" recommendation but has undergone procedural delays, currently being re-referred to the Rules Committee after second reading.

Why is this important

Cost-sharing limits directly affect healthcare affordability for Illinois residents by capping out-of-pocket expenses. This could expand access to medical services but may also influence insurance premium pricing and carrier participation in the Illinois market.

Potential points of contention

  • Insurance industry impact: Insurers may argue that cost-sharing limits reduce their flexibility in pricing and could lead to higher premiums or reduced plan options for consumers
  • Scope and specificity: The bill's exact limitation amounts and which insurance products are covered remain unclear from the title alone, creating uncertainty about breadth of impact
  • Funding mechanism: Unclear whether cost controls are achieved through mandate requirements on insurers or through state subsidies, affecting different stakeholder groups differently

Compiled from official sources — confirm details with the bill’s official record.

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