IL HB5557

Requires health insurance carriers to submit annual data reports to the Director of Insurance by July 1 each year, covering mental health, substance use disorder, and medical/surgical services from the previous calendar year

Mandates reporting of utilization review outcomes (approvals, denials, timeframes), out-of-network utilization rates, in-network reimbursement rates indexed to Medicare, network provider counts, and appeals data, disaggregated by facility type, provider type, youth/adult, and in-person/telehealth

Requires the Director to publish all reported data on a public website within 3 months of receipt, including raw downloadable files and an interactive dashboard allowing comparison across plans and carriers

Cites findings that Illinois residents in 2021 were 90% more likely to receive outpatient behavioral health services out-of-network, and that medical/surgical clinicians received 21% higher reimbursement than behavioral health clinicians

Applies to health benefit plans issued or renewed on or after January 1, 2027, with non-compliance constituting an unfair or deceptive practice subject to enforcement