Illinois HB 5259: INS-PAST DUE PREMIUMS

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104TH GENERAL ASSEMBLY 
State of Illinois 
2025 and 2026
HB5259

Introduced 2/10/2026, by Rep. Bob Morgan 

SYNOPSIS AS INTRODUCED:

215 ILCS 97/5

215 ILCS 97/65 new

 Amends the Illinois Health Insurance Portability and Accountability Act. Defines "grandfathered health plan". Provides that, except for grandfathered health plans, a health insurance issuer in the individual, small group, or large group market shall not deny coverage to an individual or employer due to the individual's or employer's failure to pay premiums owed under a prior policy, certificate, or contract of insurance. Specifies that nothing in the provisions concerning past-due premiums prohibits a health insurance issuer from pursuing the collection of past-due premiums from an individual or employer by any other means permitted by law. Effective immediately.

LRB104 19898 BAB 33348 b

A BILL FOR

HB5259LRB104 19898 BAB 33348 b

1 AN ACT concerning regulation.

2 Be it enacted by the People of the State of Illinois, 

3represented in the General Assembly:

4 Section 5. The Illinois Health Insurance Portability and 

5Accountability Act is amended by changing Section 5 and by 

6adding Section 65 as follows:

7 (215 ILCS 97/5)

8 Sec. 5. Definitions. 

9 "Affiliate" means a person that directly, or indirectly 

10through one or more intermediaries, controls, is controlled 

11by, or is under common control with the person specified. 

12 "Beneficiary" has the meaning given such term under 

13Section 3(8) of the Employee Retirement Income Security Act of 

141974.

15 "Bona fide association" means, with respect to health 

16insurance coverage offered in a State, an association which: 

17 (1) has been actively in existence for at least 5 

18 years; 

19 (2) has