Illinois legislation · 104th General Assembly
Illinois HB1085: INS CD-MENTAL HEALTH PARITY
Status: Signed into law, December 12, 2025
Amends the Illinois Insurance Code. Establishes reimbursement rates for mental health and substance use disorder treatment services for all group or individual policies of accident and health insurance or managed care plans that are amended, delivered, issued, or renewed on or after January 1, 2027 or for any contracted third party administering the behavioral health benefits for the insurer. Requires a group or individual policy of accident and health insurance or managed care plan that is amended, delivered, issued, or renewed on or after January 1, 2026 or any contracted third party administering the behavioral health benefits for the insurer to cover certain medically necessary mental health and substance use disorder treatment services. Provides that, if the Department of Insurance determines that an insurer or a contracted third party administering the behavioral health benefits for the insurer has violated a provision concerning mental health and substance use parity, the Department shall by order assess a civil penalty of $1,000 for each violation. Excludes certain health care plans serving Medicaid populations who are enrolled under the Illinois Public Aid Code or under the Children's Health Insurance Program Act from provisions concerning mental health and substance use parity. Requires the Department to review the impact of the proposed mental health and substance abuse mandate on network adequacy for mental health and substance use disorder treatment and access to affordable mental health and substance use care. Permits the Department to examine out-of-network utilization and out-of-pocket costs for insureds for mental health and substance use treatment and services for all plans to compare with in-network utilization. Amends the State Employees Group Insurance Act of 1971, the Counties Code, the Illinois Municipal Code, and the School Code to require coverage under those provisions. Effective immediately.
What the bill says
An act concerning regulation.
From the enrolled text, October 30, 2025:
AN ACT concerning regulation. Be it enacted by the People of the State of Illinois, represented in the General Assembly: Section 5.The Counties Code is amended by changing Section 5-1069.3 as follows: (55 ILCS 5/5-1069.3) Sec. 5-1069.3.Required health benefits.If a county, including a home rule county, is a self-insurer for purposes of providing health insurance coverage for its employees, the coverage shall include coverage for the post-mastectomy care benefits required to be covered by a policy of accident and health insurance under Section 356t and the coverage required under Sections 356g, 356g.5, 356g.5-1, 356m, 356q, 356u, 356u.10, 356w, 356x, 356z.4, 356z.4a, 356z.6, 356z.8, 356z.9, 356z.10, 356z.11, 356z.12, 356z.13, 356z.14, 356z.15, 356z.22, 356z.25, 356z.26, 356z.29, 356z.30, 356z.32, 356z.33, 356z.36, 356z.40, 356z.41, 356z.45, 356z.46, 356z.47, 356z.48, 356z.51, 356z.53, 356z.54, 356z.56, 356z.57, 356z.59, 356z.60, 356z.61, 356z.62, 356z.64, 356z.67, 356z.68,[DELETED: and]356z.70,[DELETED: and]356z.71[ADDED: , ] [ADDED: 356z.74, and 356z.77]of the Illinois Insurance Code. The coverage shall comply with Sections 155.22a, 355b, 356z.19, [DELETED: and]370c[ADDED: , and 370c.4]of the Illinois Insurance Code. The Department of Insurance shall enforce the requirements of this HB1085 Enrolled- 2 -LRB104 05991 BAB 16024 b HB1085 Enrolled - 2 - LRB104 05991 BAB 16024 b HB1085 Enrolled - 2 - LRB104 05991 BAB 16024 b Section. The requirement that health benefits be covered as provided in this Section is an exclusive …
Sponsors
- Lindsey LaPointe (D, 19) · primary sponsor
- Maurice West (D, 67)
- Bob Morgan (D, 58)
- Tracy Katz Muhl (D, 57)
- Dagmara Avelar (D, 85)
- Maura Hirschauer (D, 49)
- Michelle Mussman (D, 56)
- Terra Costa Howard (D)
- Anna Moeller (D, 43)
- Theresa Mah (D, 24)
- Kevin John Olickal (D, 16)
- Lilian Jiménez (D, 4)
Latest actions
- : Public Act . . . . . . . . . 104-0446
- : Effective Date June 1, 2026
- : Governor Approved
- : Sent to the Governor
- : Added as Alternate Co-Sponsor Sen. Karina Villa
- : Added Co-Sponsor Rep. Margaret A. DeLaRosa
- : Added Chief Co-Sponsor Rep. Tracy Katz Muhl
- : Passed Both Houses
- : House Concurs
- : Senate Floor Amendment No. 3 House Concurs 086-019-001
Votes
- Third Reading - Passed (October 30, 2025): 48 yea, 10 nay, passed
- Senate Floor Amendment No. 3 Recommend Do Adopt Executive (October 30, 2025): 11 yea, 2 nay, passed
- Senate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Rules Committee (October 30, 2025): 3 yea, 2 nay, passed
- Senate Floor Amendment No. 3 House Concurs (October 30, 2025): 86 yea, 19 nay, passed
- Senate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Rules Committee (October 30, 2025): 3 yea, 2 nay, passed
- Senate Committee Amendment No. 1 House Concurs (October 30, 2025): 86 yea, 19 nay, passed
Subjects: ILCS 105 - Schools, ILCS 5 - Government, ILCS 65 - Municipalities, ILCS 215 - Insurance, ILCS 55 - Counties
Common questions
- What is HB1085?
- HB1085 is a bill in the Illinois Legislature (104th General Assembly): INS CD-MENTAL HEALTH PARITY.
- What does HB1085 do?
- In its own words: An act concerning regulation.
- What is the status of HB1085?
- Signed into law as of December 12, 2025. Latest action: Public Act . . . . . . . . . 104-0446 (December 12, 2025).
- Who sponsored HB1085?
- Lindsey LaPointe (D, 19), with 11 co-sponsors.
- Where is the official record for HB1085?
- On the Illinois Legislature website: https://www.ilga.gov/Legislation/BillStatus?DocNum=1085&GAID=18&DocTypeID=HB&SessionID=114
Source: official Illinois record. Tracked by Delilah, AI for legislation across all 50 states and Congress.