IL S.B. 1346
Background:
• Under current law, a health benefit plan must issue to its insureds a card or other technology containing uniform health care benefit information as outlined in 215 ILCS § 139/15.
Effective: January 1, 2026
• The law is amended to:
o Expand the mandate to provide certain information in the uniform health care benefit information cards to include health benefit plans offering dental coverage; and
o Clarify references to the health care benefit information cards include physical and electronic cards.
• The cards must identify, on the back of the card, whether the plan (including a health benefit plan offering dental coverage or a dental plan):
o Is self-insured or fully funded; and
o Is subject to regulation by the Department of Insurance.
• Self-insured ERISA Applicable—Not Regulated by IDOI
• Self-insured non-ERISA Applicable in the Category of schools, State Government, City Municipality, County Municipality—Regulated by IDOI
• Self-insured Non-ERISA Applicable in the category of churches & federal government—Not Regulated by IDOI
• Under current law, a health benefit plan must issue to its insureds a card or other technology containing uniform health care benefit information as outlined in 215 ILCS § 139/15.
Effective: January 1, 2026
• The law is amended to:
o Expand the mandate to provide certain information in the uniform health care benefit information cards to include health benefit plans offering dental coverage; and
o Clarify references to the health care benefit information cards include physical and electronic cards.
• The cards must identify, on the back of the card, whether the plan (including a health benefit plan offering dental coverage or a dental plan):
o Is self-insured or fully funded; and
o Is subject to regulation by the Department of Insurance.
Who Is Impacted:
• Fully Insured—Regulated by IDOI• Self-insured ERISA Applicable—Not Regulated by IDOI
• Self-insured non-ERISA Applicable in the Category of schools, State Government, City Municipality, County Municipality—Regulated by IDOI
• Self-insured Non-ERISA Applicable in the category of churches & federal government—Not Regulated by IDOI