IL SB3675

Expands regulation of short-term, limited-duration health insurance to cover both group and individual policies, not just individual coverage, with policies limited to less than 181 days and non-renewable for 365 days after expiration

Requires insurance producers and issuers to provide written disclosures about essential health benefits coverage, obtain signed confirmations from applicants, and read disclosures aloud during face-to-face or phone sales before enrollment

Prohibits deceptive marketing practices, including representing short-term plans as equivalent to minimum essential coverage or comprehensive health insurance, and bans use of logos deceptively similar to healthcare.gov or Get Covered Illinois

Mandates that applicants be informed of qualifying events for special enrollment periods and, if eligible, be notified about qualified health plan availability on healthcare.gov before purchasing short-term coverage

Authorizes the Director of Insurance to investigate violations, suspend or revoke insurance producer licenses, and impose civil penalties up to $100,000 for disclosure failures or deceptive practices; effective January 1, 2026