Illinois SB 3181: INS CD-FAIR PHYSICIAN PAYMENT

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104TH GENERAL ASSEMBLY 
State of Illinois 
2025 and 2026
SB3181

Introduced 2/2/2026, by Sen. Omar Aquino 

SYNOPSIS AS INTRODUCED:

215 ILCS 5/368k new

 Amends the Illinois Insurance Code. Sets forth provisions concerning minimum reimbursement rates that a health insurance company must provide for a physician providing health care services in the specified counties. Prohibits a physician from waiving minimum reimbursement protections as a condition of participation in a health benefit plan or for any other reason. Grants the Department of Insurance rulemaking authority and establishes penalty provisions for violations of the minimum reimbursement provisions.

LRB104 18630 BAB 32073 b

A BILL FOR

SB3181LRB104 18630 BAB 32073 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 

5adding Section 368k as follows:

6 (215 ILCS 5/368k new)

7 Sec. 368k. Fair physician payment; minimum reimbursement; 

8penalties.

9 (a) In this Section:

10 "County" means one or all of the following 4 counties: 

11Cook, DuPage, Lake, and Will Counties in Illinois.

12 "Covered health care service" means any service for which 

13a Medicare rate has been established at the time the physician 

14service is provided.

15 "Health insurance company" means any insurance company, 

16health maintenance organization, preferred provider 

17organization, or other entity that administers a health 

18insurance plan subject to regulation under the laws of 

19Illinois.

20 "Health insurance plan" does not include a noncommercial 

21insurance plan, such as a personal line or a pol