IL SB3419

Amends the Illinois Health Insurance Portability and Accountability Act to extend guaranteed availability of coverage requirements to both small and large group markets, previously limited to small group markets only.

Requires health insurance issuers offering coverage in either the small or large group market to accept every qualifying employer and eligible individual who applies for enrollment, subject to specific exceptions.

Permits issuers to deny coverage based on network service area limitations, insufficient financial capacity, or failure to meet employer contribution and group participation rules, with uniform application across all employers.

Requires a 180-day suspension period during which an issuer cannot offer coverage in the affected market or service area after denying coverage based on network capacity or financial constraints.

Takes effect July 1, 2010.