IL HB1865

Prohibits soliciting nursing home residents or individuals over age 65 to purchase accident or health insurance unless the seller advises reviewing current plans with a family member or advisor, provides a contact phone number, waits 48 hours before making changes, and allows opting out of future communications

Bars entering into or amending health insurance policies with individuals over 65 who have a health care power of attorney or a medical condition like dementia that reduces decision-making capacity, unless the power of attorney agent executes the written agreement

Authorizes the Director of Insurance to declare void and unenforceable any insurance policy solicited, entered into, or amended in violation of these new protections

Makes it an unlawful consumer practice for nursing homes or long-term care facilities to make substantive disruptive changes or relocate residents with dementia or reduced decision-making capacity without prior approval from a family member, guardian, or power of attorney

Amends both the Illinois Insurance Code and the Consumer Fraud and Deceptive Business Practices Act to add these protections for vulnerable adults