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Bill

SB 2757

SHORT-TERM HEALTH INSURANCE

104th Regular Session Introduced by Jil Tracy

SB 2757 establishes regulatory standards for Illinois short-term health insurance plans to protect consumers and define coverage terms and renewal conditions.

Rule 3-9(a) / Re-referred to Assignments
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Bill Summary · SB 2757

Legislative bill overview

SB 2757 proposes regulations for short-term health insurance plans in Illinois, establishing standards for coverage duration, renewal terms, and consumer protections. The bill appears designed to clarify the availability and terms of these temporary insurance products while protecting consumers from potentially predatory practices.

Why is this important

Short-term health insurance fills a gap for people between jobs or awaiting coverage, but these plans often lack protections standard health insurance provides. Clear state regulation affects affordability and access for vulnerable populations while influencing how insurers can market and price these products in Illinois.

Potential points of contention

  • Coverage limitations vs. access trade-off: Stricter regulations may reduce plan availability or increase premiums, limiting options for those seeking temporary, affordable coverage
  • Industry cost burden: Insurance companies may argue compliance costs will be passed to consumers or reduce their willingness to offer short-term plans in Illinois
  • Pre-existing condition handling: Specific protections (or lack thereof) for people with health conditions in short-term plans will likely face debate between consumer advocates and industry groups

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

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