Illinois: Keep Insurance Affordable, Urge Your Legislator to Vote NO on HB 3799

To: Illinois Carriers, Agents, and Policyholders

Deadline: 12 p.m. Central, Tuesday, Feb. 17, 2026

Action: Ask Your Legislators to Vote “NO” on HB 3799

HB 3799 hurts Illinois consumers. It would raise premiums, reduce competition, and destabilize a market that has served families well for decades. No state in the nation has a prior approval system in place like what HB 3799 is proposing. This new system could cause homeowners’ insurance premiums to increase by approximately 20 percent or $230 on average.

HB 3799 was recently defeated in a veto session and has been brought back, proving that bad ideas don’t go away.

Why HB 3799 is harmful:

• Creates uncertainty by allowing the Illinois Department of Insurance to revisit and overturn past rate approvals, calling previously accepted rates “excessive” long after the fact.
• Provides no timelines or due-process protections for insurers that request a hearing, opening the door to indefinite delays and inconsistent enforcement.
• Gives the department broad, undefined authority to decide what qualifies as an “excessive” rate, without objective standards to guide those decisions.
• Allows the department to mandate retroactive refunds based solely on its own reinterpretation of rates that were already approved, exposing carriers to unpredictable costs.

Illinois cannot afford to mirror California’s broken system, where fewer insurance companies mean higher premiums and fewer choices for consumers.

Click Here to Contact Your Legislators Today and Urge Them to Vote “NO” on HB 3799