ILCS » Chapter 215 · Act 5
Illinois Compiled Statutes

215 ILCS 5/356z.4a (2026)

Coverage for abortion

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(215 ILCS 5/356z.4a)
    Sec. 356z.4a. Coverage for abortion.
    (a) Except as otherwise provided in this Section, no individual or group policy of accident and health insurance that provides pregnancy-related benefits may be issued, amended, delivered, or renewed in this State after the effective date of this amendatory Act of the 101st General Assembly unless the policy provides a covered person with coverage for abortion care. Regardless of whether the policy otherwise provides prescription drug benefits, abortion care coverage must include medications that are obtained through a prescription and used to terminate a pregnancy, regardless of whether there is proof of a pregnancy.
    (b) Coverage for abortion care may not impose any deductible, coinsurance, waiting period, or other cost-sharing limitation. This subsection does not apply to the extent that such coverage would disqualify a high-deductible health plan from eligibility for a health savings account pursuant to Section 223 of the Internal Revenue Code.
    (c) Except as otherwise authorized under this Section, a policy shall not impose any restrictions or delays on the coverage required under this Section.
    (d) This Section does not, pursuant to 42 U.S.C. 18054(a)(6), apply to a multistate plan that does not provide coverage for abortion.
    (e) If the Department concludes that enforcement of this Section may adversely affect the allocation of federal funds to this State, the Department may grant an exemption to the requirements, but only to the minimum extent necessary to ensure the continued receipt of federal funds.
(Source: P.A. 102-1117, eff. 1-13-23; 103-720, eff. 1-1-26.)

    
Notes of Decisions
Cited in 1 case (1 in the last 5 years), 2025–2025 · leading case: Illinois Baptist State Ass'n v. Dep't of Ins., 2025 IL App (4th) 241282-U.
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Illinois Baptist State Ass'n v. Dep't of Ins., 2025 IL App (4th) 241282-U. · cites it 2× “4a of the Illinois Insurance Code (215 ILCS 5/356z.4a (West 2020)), which was enacted as part of the Reproductive Health Act (Pub.”
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