101ST GENERAL ASSEMBLY
State of Illinois
2019 and 2020
HB4094
 
Introduced 1/16/2020, by Rep. Allen Skillicorn
 
SYNOPSIS AS INTRODUCED:
 

 
215 ILCS 190/10

     Amends the Short-Term, Limited-Duration Health Insurance Coverage Act. Provides that a short-term, limited-duration health insurance coverage policy must have an expiration date that is less than 3 years (rather than 181 days) and may be renewed or extended (rather than prohibiting a policy to be renewable or extendable within a period of 365 days after the individual's coverage under the policy ends). Effective immediately.
  


LRB101 16274 BMS 65647 b

 
 
A BILL FOR
 

  
HB4094LRB101 16274 BMS 65647 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 Short-Term, Limited-Duration Health 
5Insurance Coverage Act is amended  by changing Section 10 as 
6follows:
 
7    (215 ILCS 190/10)

8    Sec. 10. Application; scope; duration of coverage.   
9    (a) This Act applies to health insurance issuers that offer 
10short-term, limited-duration health insurance coverage to 
11individuals in this State and to short-term, limited-duration 
12health insurance coverage that is delivered or issued for 
13delivery in this State, including coverage issued outside of 
14this State that covers individuals in this State.
15    (b) A short-term, limited-duration health insurance 
16coverage policy may not be issued or delivered to any person 
17residing in this State unless the policy, when delivered or 
18issued for delivery in this State, complies with the provisions 
19of this Act.
20    (c) Any short-term, limited-duration health insurance 
21coverage policy that is delivered or issued for delivery in 
22this State must have an expiration date in the policy that is 
23less than 3 years 181 days after the effective date and may be 
 
 
HB4094- 2 -LRB101 16274 BMS 65647 b

1renewed or extended shall not be renewable or extendable within 
2a period of 365 days after the individual's coverage under the 
3policy ends, either at the option of the issuer or the 
4individual. Renewal of a short-term, limited-duration health 
5insurance coverage policy includes the issuance of a new 
6short-term, limited-duration health insurance policy by an 
7issuer to a policyholder within 60 days after the expiration of 
8a policy previously issued by the issuer to the policyholder.
9    (d) Any short-term, limited-duration health insurance 
10coverage policy that is delivered or issued for delivery in 
11this State may not be rescinded before the expiration date in 
12the policy, except in cases of nonpayment of premiums, fraud, 
13or as provided in subsection (e).
14    (e) Any short-term, limited-duration health insurance 
15coverage policy that is delivered or issued for delivery in 
16this State shall contain an option for an individual to cancel 
17coverage after any 30-day interval during the term of the plan.

18(Source: P.A. 100-1118, eff. 11-27-18.)
 
 
19    Section 99. Effective date. This Act takes effect upon 
20becoming law.