Public Act 103-0914
 
SB2697 EnrolledLRB103 35895 RPS 65980 b

    AN ACT concerning regulation.
 
    Be it enacted by the People of the State of Illinois, 
represented in the General Assembly:
 
    Section 5. The State Employees Group Insurance Act of 1971 
is amended by changing Section 6.11 as follows:
 
    (5 ILCS 375/6.11)
    Sec. 6.11. Required health benefits; Illinois Insurance 
Code requirements. The program of health benefits shall 
provide the post-mastectomy care benefits required to be 
covered by a policy of accident and health insurance under 
Section 356t of the Illinois Insurance Code. The program of 
health benefits shall provide the coverage required under 
Sections 356g, 356g.5, 356g.5-1, 356m, 356q, 356u, 356u.10, 
356w, 356x, 356z.2, 356z.4, 356z.4a, 356z.6, 356z.8, 356z.9, 
356z.10, 356z.11, 356z.12, 356z.13, 356z.14, 356z.15, 356z.17, 
356z.22, 356z.25, 356z.26, 356z.29, 356z.30a, 356z.32, 
356z.33, 356z.36, 356z.40, 356z.41, 356z.45, 356z.46, 356z.47, 
356z.51, 356z.53, 356z.54, 356z.55, 356z.56, 356z.57, 356z.59, 
356z.60, and 356z.61, and 356z.62, 356z.64, 356z.67, 356z.68, 
and 356z.70 of the Illinois Insurance Code. The program of 
health benefits must comply with Sections 155.22a, 155.37, 
355b, 356z.19, 370c, and 370c.1 and Article XXXIIB of the 
Illinois Insurance Code. The program of health benefits shall 
provide the coverage required under Section 356m of the 
Illinois Insurance Code and, for the employees of the State 
Employee Group Insurance Program only, the coverage as also 
provided in Section 6.11B of this Act. The Department of 
Insurance shall enforce the requirements of this Section with 
respect to Sections 370c and 370c.1 of the Illinois Insurance 
Code; all other requirements of this Section shall be enforced 
by the Department of Central Management Services.
    Rulemaking authority to implement Public Act 95-1045, if 
any, is conditioned on the rules being adopted in accordance 
with all provisions of the Illinois Administrative Procedure 
Act and all rules and procedures of the Joint Committee on 
Administrative Rules; any purported rule not so adopted, for 
whatever reason, is unauthorized. 
(Source: P.A. 102-30, eff. 1-1-22; 102-103, eff. 1-1-22; 
102-203, eff. 1-1-22; 102-306, eff. 1-1-22; 102-642, eff. 
1-1-22; 102-665, eff. 10-8-21; 102-731, eff. 1-1-23; 102-768, 
eff. 1-1-24; 102-804, eff. 1-1-23; 102-813, eff. 5-13-22; 
102-816, eff. 1-1-23; 102-860, eff. 1-1-23; 102-1093, eff. 
1-1-23; 102-1117, eff. 1-13-23; 103-8, eff. 1-1-24; 103-84, 
eff. 1-1-24; 103-91, eff. 1-1-24; 103-420, eff. 1-1-24; 
103-445, eff. 1-1-24; 103-535, eff. 8-11-23; 103-551, eff. 
8-11-23; revised 8-29-23.)
 
    Section 10. The Counties Code is amended by changing 
Section 5-1069.3 as follows:
 
    (55 ILCS 5/5-1069.3)
    Sec. 5-1069.3. Required health benefits. If a county, 
including a home rule county, is a self-insurer for purposes 
of providing health insurance coverage for its employees, the 
coverage shall include coverage for the post-mastectomy care 
benefits required to be covered by a policy of accident and 
health insurance under Section 356t and the coverage required 
under Sections 356g, 356g.5, 356g.5-1, 356q, 356u, 356u.10, 
356w, 356x, 356z.4, 356z.4a, 356z.6, 356z.8, 356z.9, 356z.10, 
356z.11, 356z.12, 356z.13, 356z.14, 356z.15, 356z.22, 356z.25, 
356z.26, 356z.29, 356z.30a, 356z.32, 356z.33, 356z.36, 
356z.40, 356z.41, 356z.45, 356z.46, 356z.47, 356z.48, 356z.51, 
356z.53, 356z.54, 356z.56, 356z.57, 356z.59, 356z.60, and 
356z.61, and 356z.62, 356z.64, 356z.67, 356z.68, and 356z.70 
of the Illinois Insurance Code. The coverage shall comply with 
Sections 155.22a, 355b, 356z.19, and 370c of the Illinois 
Insurance Code. The Department of Insurance shall enforce the 
requirements of this Section. The requirement that health 
benefits be covered as provided in this Section is an 
exclusive power and function of the State and is a denial and 
limitation under Article VII, Section 6, subsection (h) of the 
Illinois Constitution. A home rule county to which this 
Section applies must comply with every provision of this 
Section. 
    Rulemaking authority to implement Public Act 95-1045, if 
any, is conditioned on the rules being adopted in accordance 
with all provisions of the Illinois Administrative Procedure 
Act and all rules and procedures of the Joint Committee on 
Administrative Rules; any purported rule not so adopted, for 
whatever reason, is unauthorized. 
(Source: P.A. 102-30, eff. 1-1-22; 102-103, eff. 1-1-22; 
102-203, eff. 1-1-22; 102-306, eff. 1-1-22; 102-443, eff. 
1-1-22; 102-642, eff. 1-1-22; 102-665, eff. 10-8-21; 102-731, 
eff. 1-1-23; 102-804, eff. 1-1-23; 102-813, eff. 5-13-22; 
102-816, eff. 1-1-23; 102-860, eff. 1-1-23; 102-1093, eff. 
1-1-23; 102-1117, eff. 1-13-23; 103-84, eff. 1-1-24; 103-91, 
eff. 1-1-24; 103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 
103-535, eff. 8-11-23; 103-551, eff. 8-11-23; revised 
8-29-23.)
 
    Section 15. The Illinois Municipal Code is amended by 
changing Section 10-4-2.3 as follows:
 
    (65 ILCS 5/10-4-2.3)
    Sec. 10-4-2.3. Required health benefits. If a 
municipality, including a home rule municipality, is a 
self-insurer for purposes of providing health insurance 
coverage for its employees, the coverage shall include 
coverage for the post-mastectomy care benefits required to be 
covered by a policy of accident and health insurance under 
Section 356t and the coverage required under Sections 356g, 
356g.5, 356g.5-1, 356q, 356u, 356u.10, 356w, 356x, 356z.4, 
356z.4a, 356z.6, 356z.8, 356z.9, 356z.10, 356z.11, 356z.12, 
356z.13, 356z.14, 356z.15, 356z.22, 356z.25, 356z.26, 356z.29, 
356z.30a, 356z.32, 356z.33, 356z.36, 356z.40, 356z.41, 
356z.45, 356z.46, 356z.47, 356z.48, 356z.51, 356z.53, 356z.54, 
356z.56, 356z.57, 356z.59, 356z.60, and 356z.61, and 356z.62, 
356z.64, 356z.67, 356z.68, and 356z.70 of the Illinois 
Insurance Code. The coverage shall comply with Sections 
155.22a, 355b, 356z.19, and 370c of the Illinois Insurance 
Code. The Department of Insurance shall enforce the 
requirements of this Section. The requirement that health 
benefits be covered as provided in this is an exclusive power 
and function of the State and is a denial and limitation under 
Article VII, Section 6, subsection (h) of the Illinois 
Constitution. A home rule municipality to which this Section 
applies must comply with every provision of this Section. 
    Rulemaking authority to implement Public Act 95-1045, if 
any, is conditioned on the rules being adopted in accordance 
with all provisions of the Illinois Administrative Procedure 
Act and all rules and procedures of the Joint Committee on 
Administrative Rules; any purported rule not so adopted, for 
whatever reason, is unauthorized. 
(Source: P.A. 102-30, eff. 1-1-22; 102-103, eff. 1-1-22; 
102-203, eff. 1-1-22; 102-306, eff. 1-1-22; 102-443, eff. 
1-1-22; 102-642, eff. 1-1-22; 102-665, eff. 10-8-21; 102-731, 
eff. 1-1-23; 102-804, eff. 1-1-23; 102-813, eff. 5-13-22; 
102-816, eff. 1-1-23; 102-860, eff. 1-1-23; 102-1093, eff. 
1-1-23; 102-1117, eff. 1-13-23; 103-84, eff. 1-1-24; 103-91, 
eff. 1-1-24; 103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 
103-535, eff. 8-11-23; 103-551, eff. 8-11-23; revised 
8-29-23.)
 
    Section 20. The School Code is amended by changing Section 
10-22.3f as follows:
 
    (105 ILCS 5/10-22.3f)
    Sec. 10-22.3f. Required health benefits. Insurance 
protection and benefits for employees shall provide the 
post-mastectomy care benefits required to be covered by a 
policy of accident and health insurance under Section 356t and 
the coverage required under Sections 356g, 356g.5, 356g.5-1, 
356q, 356u, 356u.10, 356w, 356x, 356z.4, 356z.4a, 356z.6, 
356z.8, 356z.9, 356z.11, 356z.12, 356z.13, 356z.14, 356z.15, 
356z.22, 356z.25, 356z.26, 356z.29, 356z.30a, 356z.32, 
356z.33, 356z.36, 356z.40, 356z.41, 356z.45, 356z.46, 356z.47, 
356z.51, 356z.53, 356z.54, 356z.56, 356z.57, 356z.59, 356z.60, 
and 356z.61, and 356z.62, 356z.64, 356z.67, 356z.68, and 
356z.70 of the Illinois Insurance Code. Insurance policies 
shall comply with Section 356z.19 of the Illinois Insurance 
Code. The coverage shall comply with Sections 155.22a, 355b, 
and 370c of the Illinois Insurance Code. The Department of 
Insurance shall enforce the requirements of this Section. 
    Rulemaking authority to implement Public Act 95-1045, if 
any, is conditioned on the rules being adopted in accordance 
with all provisions of the Illinois Administrative Procedure 
Act and all rules and procedures of the Joint Committee on 
Administrative Rules; any purported rule not so adopted, for 
whatever reason, is unauthorized. 
(Source: P.A. 102-30, eff. 1-1-22; 102-103, eff. 1-1-22; 
102-203, eff. 1-1-22; 102-306, eff. 1-1-22; 102-642, eff. 
1-1-22; 102-665, eff. 10-8-21; 102-731, eff. 1-1-23; 102-804, 
eff. 1-1-23; 102-813, eff. 5-13-22; 102-816, eff. 1-1-23; 
102-860, eff. 1-1-23; 102-1093, eff. 1-1-23; 102-1117, eff. 
1-13-23; 103-84, eff. 1-1-24; 103-91, eff. 1-1-24; 103-420, 
eff. 1-1-24; 103-445, eff. 1-1-24; 103-535, eff. 8-11-23; 
103-551, eff. 8-11-23; revised 8-29-23.)
 
    Section 25. The Illinois Insurance Code is amended by 
adding Section 356u.10 as follows:
 
    (215 ILCS 5/356u.10 new)
    Sec. 356u.10. Genetic testing and evidence-based 
screenings for an inherited gene mutation. 
    (a) In this Section, "genetic testing for an inherited 
mutation" means germline multi-gene testing for an inherited 
mutation associated with an increased risk of cancer in 
accordance with evidence-based, clinical practice guidelines.
    (b) A group policy of accident and health insurance or 
managed care plan that is amended, delivered, issued, or 
renewed after January 1, 2026 shall provide coverage for 
clinical genetic testing for an inherited gene mutation for 
individuals with a personal or family history of cancer, as 
recommended by a health care professional in accordance with 
current evidence-based clinical practice guidelines, 
including, but not limited to, the current version of the 
National Comprehensive Cancer Network clinical practice 
guidelines. The coverage shall limit the total amount that a 
covered person is required to pay for a clinical genetic test 
under this subsection to an amount not to exceed $50, except 
for services for which cost sharing is prohibited under 42 
U.S.C. 300gg-13. This subsection (b) shall not apply to 
coverage of genetic testing to the extent 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) For individuals with a genetic test that is positive 
for an inherited mutation associated with an increased risk of 
cancer, coverage required under this Section shall include any 
evidence-based screenings, as recommended by a health care 
professional in accordance with current evidence-based 
clinical practice guidelines, to the extent that the 
management recommendation is not already covered by the 
policy, except that coverage for evidence-based screenings 
under this subsection (c) may be subject to a deductible, 
coinsurance, or other cost-sharing limitation so long as the 
limitation is not greater than that required for other related 
cancer risk management benefits covered under the policy. In 
this subsection, "evidence-based cancer screenings" means 
medically recommended evidence-based screening modalities in 
accordance with current clinical practice guidelines.
 
    Section 30. The Health Maintenance Organization Act is 
amended by changing Section 5-3 as follows:
 
    (215 ILCS 125/5-3)  (from Ch. 111 1/2, par. 1411.2)
    Sec. 5-3. Insurance Code provisions. 
    (a) Health Maintenance Organizations shall be subject to 
the provisions of Sections 133, 134, 136, 137, 139, 140, 
141.1, 141.2, 141.3, 143, 143c, 147, 148, 149, 151, 152, 153, 
154, 154.5, 154.6, 154.7, 154.8, 155.04, 155.22a, 155.49, 
355.2, 355.3, 355b, 355c, 356f, 356g.5-1, 356m, 356q, 356u.10, 
356v, 356w, 356x, 356z.2, 356z.3a, 356z.4, 356z.4a, 356z.5, 
356z.6, 356z.8, 356z.9, 356z.10, 356z.11, 356z.12, 356z.13, 
356z.14, 356z.15, 356z.17, 356z.18, 356z.19, 356z.20, 356z.21, 
356z.22, 356z.23, 356z.24, 356z.25, 356z.26, 356z.28, 356z.29, 
356z.30, 356z.30a, 356z.31, 356z.32, 356z.33, 356z.34, 
356z.35, 356z.36, 356z.37, 356z.38, 356z.39, 356z.40, 356z.41, 
356z.44, 356z.45, 356z.46, 356z.47, 356z.48, 356z.49, 356z.50, 
356z.51, 356z.53, 356z.54, 356z.55, 356z.56, 356z.57, 356z.58, 
356z.59, 356z.60, 356z.61, 356z.62, 356z.64, 356z.65, 356z.67, 
356z.68, 364, 364.01, 364.3, 367.2, 367.2-5, 367i, 368a, 368b, 
368c, 368d, 368e, 370c, 370c.1, 401, 401.1, 402, 403, 403A, 
408, 408.2, 409, 412, 444, and 444.1, paragraph (c) of 
subsection (2) of Section 367, and Articles IIA, VIII 1/2, 
XII, XII 1/2, XIII, XIII 1/2, XXV, XXVI, and XXXIIB of the 
Illinois Insurance Code.
    (b) For purposes of the Illinois Insurance Code, except 
for Sections 444 and 444.1 and Articles XIII and XIII 1/2, 
Health Maintenance Organizations in the following categories 
are deemed to be "domestic companies":
        (1) a corporation authorized under the Dental Service 
    Plan Act or the Voluntary Health Services Plans Act;
        (2) a corporation organized under the laws of this 
    State; or
        (3) a corporation organized under the laws of another 
    state, 30% or more of the enrollees of which are residents 
    of this State, except a corporation subject to 
    substantially the same requirements in its state of 
    organization as is a "domestic company" under Article VIII 
    1/2 of the Illinois Insurance Code.
    (c) In considering the merger, consolidation, or other 
acquisition of control of a Health Maintenance Organization 
pursuant to Article VIII 1/2 of the Illinois Insurance Code,
        (1) the Director shall give primary consideration to 
    the continuation of benefits to enrollees and the 
    financial conditions of the acquired Health Maintenance 
    Organization after the merger, consolidation, or other 
    acquisition of control takes effect;
        (2)(i) the criteria specified in subsection (1)(b) of 
    Section 131.8 of the Illinois Insurance Code shall not 
    apply and (ii) the Director, in making his determination 
    with respect to the merger, consolidation, or other 
    acquisition of control, need not take into account the 
    effect on competition of the merger, consolidation, or 
    other acquisition of control;
        (3) the Director shall have the power to require the 
    following information:
            (A) certification by an independent actuary of the 
        adequacy of the reserves of the Health Maintenance 
        Organization sought to be acquired;
            (B) pro forma financial statements reflecting the 
        combined balance sheets of the acquiring company and 
        the Health Maintenance Organization sought to be 
        acquired as of the end of the preceding year and as of 
        a date 90 days prior to the acquisition, as well as pro 
        forma financial statements reflecting projected 
        combined operation for a period of 2 years;
            (C) a pro forma business plan detailing an 
        acquiring party's plans with respect to the operation 
        of the Health Maintenance Organization sought to be 
        acquired for a period of not less than 3 years; and
            (D) such other information as the Director shall 
        require.
    (d) The provisions of Article VIII 1/2 of the Illinois 
Insurance Code and this Section 5-3 shall apply to the sale by 
any health maintenance organization of greater than 10% of its 
enrollee population (including, without limitation, the health 
maintenance organization's right, title, and interest in and 
to its health care certificates).
    (e) In considering any management contract or service 
agreement subject to Section 141.1 of the Illinois Insurance 
Code, the Director (i) shall, in addition to the criteria 
specified in Section 141.2 of the Illinois Insurance Code, 
take into account the effect of the management contract or 
service agreement on the continuation of benefits to enrollees 
and the financial condition of the health maintenance 
organization to be managed or serviced, and (ii) need not take 
into account the effect of the management contract or service 
agreement on competition.
    (f) Except for small employer groups as defined in the 
Small Employer Rating, Renewability and Portability Health 
Insurance Act and except for medicare supplement policies as 
defined in Section 363 of the Illinois Insurance Code, a 
Health Maintenance Organization may by contract agree with a 
group or other enrollment unit to effect refunds or charge 
additional premiums under the following terms and conditions:
        (i) the amount of, and other terms and conditions with 
    respect to, the refund or additional premium are set forth 
    in the group or enrollment unit contract agreed in advance 
    of the period for which a refund is to be paid or 
    additional premium is to be charged (which period shall 
    not be less than one year); and
        (ii) the amount of the refund or additional premium 
    shall not exceed 20% of the Health Maintenance 
    Organization's profitable or unprofitable experience with 
    respect to the group or other enrollment unit for the 
    period (and, for purposes of a refund or additional 
    premium, the profitable or unprofitable experience shall 
    be calculated taking into account a pro rata share of the 
    Health Maintenance Organization's administrative and 
    marketing expenses, but shall not include any refund to be 
    made or additional premium to be paid pursuant to this 
    subsection (f)). The Health Maintenance Organization and 
    the group or enrollment unit may agree that the profitable 
    or unprofitable experience may be calculated taking into 
    account the refund period and the immediately preceding 2 
    plan years.
    The Health Maintenance Organization shall include a 
statement in the evidence of coverage issued to each enrollee 
describing the possibility of a refund or additional premium, 
and upon request of any group or enrollment unit, provide to 
the group or enrollment unit a description of the method used 
to calculate (1) the Health Maintenance Organization's 
profitable experience with respect to the group or enrollment 
unit and the resulting refund to the group or enrollment unit 
or (2) the Health Maintenance Organization's unprofitable 
experience with respect to the group or enrollment unit and 
the resulting additional premium to be paid by the group or 
enrollment unit.
    In no event shall the Illinois Health Maintenance 
Organization Guaranty Association be liable to pay any 
contractual obligation of an insolvent organization to pay any 
refund authorized under this Section.
    (g) Rulemaking authority to implement Public Act 95-1045, 
if any, is conditioned on the rules being adopted in 
accordance with all provisions of the Illinois Administrative 
Procedure Act and all rules and procedures of the Joint 
Committee on Administrative Rules; any purported rule not so 
adopted, for whatever reason, is unauthorized. 
(Source: P.A. 102-30, eff. 1-1-22; 102-34, eff. 6-25-21; 
102-203, eff. 1-1-22; 102-306, eff. 1-1-22; 102-443, eff. 
1-1-22; 102-589, eff. 1-1-22; 102-642, eff. 1-1-22; 102-665, 
eff. 10-8-21; 102-731, eff. 1-1-23; 102-775, eff. 5-13-22; 
102-804, eff. 1-1-23; 102-813, eff. 5-13-22; 102-816, eff. 
1-1-23; 102-860, eff. 1-1-23; 102-901, eff. 7-1-22; 102-1093, 
eff. 1-1-23; 102-1117, eff. 1-13-23; 103-84, eff. 1-1-24; 
103-91, eff. 1-1-24; 103-123, eff. 1-1-24; 103-154, eff. 
6-30-23; 103-420, eff. 1-1-24; 103-426, eff. 8-4-23; 103-445, 
eff. 1-1-24; 103-551, eff. 8-11-23; revised 8-29-23.)
 
    Section 35. The Voluntary Health Services Plans Act is 
amended by changing Section 10 as follows:
 
    (215 ILCS 165/10)  (from Ch. 32, par. 604)
    Sec. 10. Application of Insurance Code provisions. Health 
services plan corporations and all persons interested therein 
or dealing therewith shall be subject to the provisions of 
Articles IIA and XII 1/2 and Sections 3.1, 133, 136, 139, 140, 
143, 143c, 149, 155.22a, 155.37, 354, 355.2, 355.3, 355b, 
356g, 356g.5, 356g.5-1, 356q, 356r, 356t, 356u, 356u.10, 356v, 
356w, 356x, 356y, 356z.1, 356z.2, 356z.3a, 356z.4, 356z.4a, 
356z.5, 356z.6, 356z.8, 356z.9, 356z.10, 356z.11, 356z.12, 
356z.13, 356z.14, 356z.15, 356z.18, 356z.19, 356z.21, 356z.22, 
356z.25, 356z.26, 356z.29, 356z.30, 356z.30a, 356z.32, 
356z.33, 356z.40, 356z.41, 356z.46, 356z.47, 356z.51, 356z.53, 
356z.54, 356z.56, 356z.57, 356z.59, 356z.60, 356z.61, 356z.62, 
356z.64, 356z.67, 356z.68, 364.01, 364.3, 367.2, 368a, 401, 
401.1, 402, 403, 403A, 408, 408.2, and 412, and paragraphs (7) 
and (15) of Section 367 of the Illinois Insurance Code.
    Rulemaking authority to implement Public Act 95-1045, if 
any, is conditioned on the rules being adopted in accordance 
with all provisions of the Illinois Administrative Procedure 
Act and all rules and procedures of the Joint Committee on 
Administrative Rules; any purported rule not so adopted, for 
whatever reason, is unauthorized. 
(Source: P.A. 102-30, eff. 1-1-22; 102-203, eff. 1-1-22; 
102-306, eff. 1-1-22; 102-642, eff. 1-1-22; 102-665, eff. 
10-8-21; 102-731, eff. 1-1-23; 102-775, eff. 5-13-22; 102-804, 
eff. 1-1-23; 102-813, eff. 5-13-22; 102-816, eff. 1-1-23; 
102-860, eff. 1-1-23; 102-901, eff. 7-1-22; 102-1093, eff. 
1-1-23; 102-1117, eff. 1-13-23; 103-84, eff. 1-1-24; 103-91, 
eff. 1-1-24; 103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 
103-551, eff. 8-11-23; revised 8-29-23.)
 
    Section 40. The Illinois Public Aid Code is amended by 
adding Section 5-52 as follows:
 
    (305 ILCS 5/5-52 new)
    Sec. 5-52. Genetic testing and evidence-based screenings 
for an inherited gene mutation.
    (a) In this Section, "genetic testing for an inherited 
mutation" means germline multi-gene testing for an inherited 
mutation associated with an increased risk of cancer in 
accordance with evidence-based, clinical practice guidelines.
    (b) Subject to federal approval, the medical assistance 
program, after January 1, 2026, shall provide coverage for 
clinical genetic testing for an inherited gene mutation for 
individuals with a personal or family history of cancer, as 
recommended by a health care professional in accordance with 
current evidence-based clinical practice guidelines, 
including, but not limited to, the current version of the 
National Comprehensive Cancer Network clinical practice 
guidelines.
    (c) For individuals with a genetic test that is positive 
for an inherited mutation associated with an increased risk of 
cancer, coverage required under this Section shall include any 
evidence-based screenings, as recommended by a health care 
professional in accordance with current evidence-based 
clinical practice guidelines, to the extent that the 
management recommendation is not already covered by the 
medical assistance program. In this subsection, 
"evidence-based cancer screenings" means medically recommended 
evidence-based screening modalities in accordance with current 
clinical practice guidelines.
 
    Section 99. Effective date. This Section and Section 40 
take effect January 1, 2025.

Effective Date:  1/1/2025