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Bill

SB 2405

INS-SURPRISE BILL PROTECT

104th Regular Session Introduced by Chris Balkema and 31 co-sponsors

Illinois bill protecting consumers from unexpected out-of-network medical charges by limiting patient liability and requiring insurer-provider coordination for emergency and inadvertent care.

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Bill Summary · SB 2405

Legislative bill overview

SB 2405 aims to protect Illinois consumers from surprise medical bills—unexpected out-of-network charges for emergency or inadvertently received healthcare services. The bill establishes protections requiring insurers and providers to work together to limit patient liability for services rendered without adequate notice or choice.

Why is this important

Surprise billing is a widespread problem affecting millions of Americans annually, often resulting in thousands of dollars in unexpected debt. For Illinois residents, this legislation could significantly reduce financial hardship from emergency care or situations where patients cannot easily choose in-network providers, while also potentially influencing broader healthcare market transparency.

Potential points of contention

  • Insurance company costs: Requiring insurers to cover out-of-network charges at negotiated rates may increase premiums or reduce insurer profitability, leading to industry opposition
  • Provider payment disputes: Healthcare providers may resist limits on balance billing, arguing it reduces their revenue and ability to negotiate independently
  • Definition scope: Ambiguity around what qualifies as a "surprise" bill (e.g., non-emergency situations, elective procedures, or situations where patients had theoretical choice) could create enforcement challenges and disputes

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

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