Illinois SR 546: MEMORIAL ALBERT DICENSO

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SR0546LRB104 16999 MST 30413 r

1SENATE RESOLUTION

2 WHEREAS, The Affordable Care Act (ACA), enacted in 2010 

3and implemented in 2014, promised lower premiums by $2,500 per 

4family and the ability to keep one's doctor, promises that 

5have not been realized, with premiums increasing by an average 

6of 129% from 2014 to 2019; and

7 WHEREAS, Illinois fully embraced the ACA by passing 

8legislation that eliminated all other health insurance 

9options, banning temporary or short-term medical plans, and 

10mandating broad coverages such as maternity, infertility, TMJ, 

11broad mental health and substance abuse, and biomarker testing 

12for all residents regardless of age or sex, effectively 

13creating a one-size-fits-all plan that eliminated consumer 

14choice for approximately 500,000 Illinoisans; and

15 WHEREAS, The elimination of the individual mandate led to 

16healthy individuals dropping coverage while those with higher 

17needs enrolled, exacerbating losses, and the lack of 

18safeguards has resulted in rampant fraud estimated at more 

19than $25 billion annually, including instances where a single 

20Social Security Number was used for over 125 policies in 2023, 

21coverage for at least 7,000 deceased individuals, and $94 

22million in subsidies for fictitious applicants in 2015; and

SR0546- 2 -LRB104 16999 MST 30413 r

1 WHEREAS, During the COVID-19 pandemic, federal subsidies 

2masked the true skyrocketing costs of ACA plans, with 

3subsidies increasing from $92 billion in 2023 to $138 billion 

4in 2025, but even with continued subsidies, rates were 

5projected to rise 26% in the current year; and

6 WHEREAS, With the expiration of COVID-era subsidies on 

7December 31, 2025, approximately 250,000 o