Illinois law sets dental coverage and insurance reporting requirements

Covered dental plans must offer dependent coverage to eligible parents and stepparents when the policy provides dependent coverage. The coverage requirement applies to stand-alone dental plans available through the Illinois Health Benefits Exchange and the same policy forms sold outside it. The parent or stepparent must meet federal tax rules for a dependent relative and live within the policy’s service area. Stand-alone dental plans are outside the state Network Adequacy and Transparency Act. The Illinois Department of Insurance must enforce applicable federal dental-network standards if federal law establishes them. The dependent-coverage requirement covers policies issued, amended, delivered, or renewed on or after January 1, 2026.

Insurers and companies managing prescription drug benefits must file reports in formats chosen by the Illinois Department of Insurance. Supplier reports cover insurers authorized or accredited in Illinois with at least $50 million in assets. Drug reports cover companies managing prescription benefits for health plans. Drug reports must protect personal health information. The department must make summary versions public; full reports remain confidential. Prescription drug reports are due no later than September 1 each year.

The Illinois Department of Insurance may reference federal rules when writing rules that carry out the Affordable Care Act. The department must keep records from the National Association of Insurance Commissioners or state, federal, or international regulators confidential when those records are confidential where they came from. These references need not name a version date or state that later federal updates are excluded.

The law schedules listed parts of the Illinois Insurance Code to expire in 2037 and directs that the Health Care Purchasing Group Act stop applying. The expiration covers Insurance Code Articles II, III, IV, V, VI, VIIA, VIIC, XVII, XXXI, and XXXI 1/4. Section 20 concerns the entire Health Care Purchasing Group Act. The law took effect on July 31, 2026. The listed insurance articles have a scheduled expiration date of January 1, 2037.

The Illinois Department of Insurance may waive registration and course approval fees for free government courses. The waiver covers provider registration and course approval fees for insurance-agent training taken before licensing or to keep a license. A government entity must provide the course free of charge. The department may grant the waiver; it is not required to do so.