Illinois Expands Health Coverage with New Law Mandating Comprehensive Vaccine Administration
Illinois has passed a new law that mandates extensive health insurance coverage for vaccine administration, addressing several critical diseases. The law, which takes effect from January 1, 2026, requires both group and individual health insurance policies to cover vaccinations for COVID-19, influenza, and respiratory syncytial virus (RSV) without any cost-sharing responsibilities like deductibles or copayments.
Under the new legislation, vaccines must be authorized or licensed by the United States Food and Drug Administration (FDA) and administered according to the standard immunization schedule recommended by the Advisory Committee on Immunization Practices. The law specifies that coverage is to be extended irrespective of whether the vaccine is administered by a pharmacist or another authorized healthcare provider.
The legislation, part of Public Act 103-0918, aims to make preventative health measures more accessible and affordable, promoting higher vaccination rates across the state. This is particularly significant in light of ongoing public health challenges posed by annual flu seasons and the continued presence of COVID-19.
An interesting facet of the law ensures that the coverage does not disrupt eligibility for health savings accounts linked to high-deductible health plans, maintaining compliance with the Internal Revenue Code of 1986.
