Illinois SB 3864: INS CD-COST SHARING RESTRICT

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104TH GENERAL ASSEMBLY 
State of Illinois 
2025 and 2026
SB3864

Introduced 2/6/2026, by Sen. John F. Curran 

SYNOPSIS AS INTRODUCED:

215 ILCS 5/356e from Ch. 73, par. 968e

215 ILCS 5/367 from Ch. 73, par. 979

 Amends the Illinois Insurance Code. In provisions requiring policies of group accident and health insurance to provide coverage for certain examination and testing services provided to a victim of specified criminal offenses, prohibits the policy from imposing a deductible, coinsurance, copayment, or any other cost-sharing requirement on the coverage provided, except to the extent that the coverage would disqualify a high-deductible health plan from eligibility for a health savings account under the Internal Revenue Code. Effective January 1, 2027.

LRB104 18638 BAB 32081 b

A BILL FOR

SB3864LRB104 18638 BAB 32081 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 Insurance Code is amended by 

5changing Sections 356e and 367 as follows:

6 (215 ILCS 5/356e) (from Ch. 73, par. 968e)

7 Sec. 356e. Victims of certain offenses. 

8 (1) No individual policy of accident and health insurance, 

9which provides benefits for hospital or medical expenses based 

10upon the actual expenses incurred, delivered, or issued for 

11delivery to any person in this State shall contain any 

12specific exception to coverage which would preclude the 

13payment under that policy of actual expenses incurred in the 

14examination and testing of a victim of an offense defined in 

15Sections 11-1.20 through 11-1.60 or 12-13 through 12-16 of the 

16Criminal Code of 1961 or the Criminal Code of 2012, or an 

17attempt to commit such off