IL HB4000

Amends the Illinois Insurance Code by adding Section 155.47 to prohibit life insurance companies from discriminating against individuals based solely on opioid antagonist prescription or standing order.

Defines "opioid antagonist" as any drug that binds to opioid receptors and blocks or inhibits the effects of opioids to reverse overdose.

Applies to life insurance policies issued or delivered in Illinois, or issued by life insurance companies organized in Illinois.

Prohibits life insurance companies from denying coverage, limiting coverage amount or extent, or charging different rates based solely on opioid antagonist use, unless the charge is based on sound underwriting or actuarial principles related to actual or anticipated loss experience.