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Bill

HB 1066

INS-PROVIDER NONDISCRIMINATION

104th Regular Session Introduced by Amy Elik and 1 co-sponsor

Illinois HB 1066 prohibits insurance providers from discriminating in coverage or rates based on protected characteristics, expanding consumer protections but potentially restricting risk-based pricing practices.

Rule 19(a) / Re-referred to Rules Committee
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Bill Summary · HB 1066

Legislative bill overview

HB 1066 establishes nondiscrimination requirements for insurance providers in Illinois, prohibiting them from denying, limiting, or charging differential rates based on specified protected characteristics. The bill appears designed to expand consumer protections in the insurance market by preventing discriminatory underwriting or rating practices.

Why is this important

Insurance pricing and eligibility directly affect millions of Illinoisans' access to coverage and affordability. Discrimination in insurance can perpetuate inequality and deny essential coverage to vulnerable populations. However, insurers also use risk-based rating as a core business practice, making the specific protected classes and exemptions in this bill economically and operationally significant.

Potential points of contention

  • Scope of protected classes: The bill's specific definition of which characteristics cannot be used in underwriting (likely including race, gender, sexual orientation, or others) will determine its breadth and industry impact
  • Risk-based rating exceptions: Insurance industry will likely argue certain factors currently used in pricing correlate with risk; the bill's carve-outs for actuarially sound practices will be heavily debated
  • Implementation and compliance costs: Insurers may claim the bill requires expensive underwriting system overhauls and could reduce market competition or increase premiums

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

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