Fatal heart attack risks may be higher during days with extreme heat & air pollution


by The American Heart Association


Our findings provide evidence that reducing exposure to both extreme temperatures and fine particulate pollution may be useful to prevent premature deaths from heart attack, especially for women and older adults

DALLAS — The combination of soaring heat and smothering fine particulate pollution may double the risk of heart attack death, according to a new study of more than 202,000 heart attack deaths in China. The study published today in the American Heart Association’s flagship journal Circulation.

"Extreme temperature events are becoming more frequent, longer and more intense, and their adverse health effects have drawn growing concern. Another environmental issue worldwide is the presence of fine particulate matter in the air, which may interact synergistically with extreme temperatures to adversely affect cardiovascular health," said senior author Yuewei Liu, M.D., Ph.D., an associate professor of epidemiology in the School of Public Health at Sun Yat-sen University in Guangzhou, China. "However, it remains unknown if and how co-exposure to extreme temperatures and fine particulate pollution might interact to trigger a greater risk of death from heart attack, which is an acute response potentially brought on by an acute scenario and a great public health challenge due to its substantial disease burden worldwide."

AHA Logo To examine the impact of extreme temperatures with and without high levels of fine particulate pollution, the researchers analyzed 202,678 heart attack deaths between 2015-2020 that occurred in Jiangsu province, a region with four distinct seasons and a wide range of temperatures and fine particulate pollution levels. The deaths were among older adults with an average age of 77.6 years; 52% were older than age 80; and 52% were male. Particulate exposure on the day of each death and one day before death were included in the analysis.

Extreme temperatures were gauged according to the daily heat index (also referred to as apparent temperature) for an area, which captures the combined effect of both heat and humidity. Both the length and extremeness of heat waves and cold snaps were evaluated. Heart attack deaths, or case days, during these periods were compared with control days on the same day of the week in the same month — meaning that if a death occurred on a Wednesday, all other Wednesdays in the same month would be considered control days. Particulate levels were considered high on any day with an average level of fine particulate matter above 37.5 micrograms per cubic meter.

"Our findings provide evidence that reducing exposure to both extreme temperatures and fine particulate pollution may be useful to prevent premature deaths from heart attack, especially for women and older adults," Liu said.

Compared with control days, the risk of a fatal heart attack was observed at the following levels:

  • 18% higher during 2-day heat waves with heat indexes at or above the 90th percentile (ranging from 82.6 to 97.9 degrees Fahrenheit), increasing with temperature and duration, and was 74% higher during 4-day heat waves with heat indexes at or above the 97.5th percentile (ranging from 94.8 to 109.4 degrees Fahrenheit). For context, 6,417 (3.2%) of the 202,678 observed deaths from heart attack happened during heat waves with heat indexes at or above the 95th percentile (ranging from 91.2 to 104.7 degrees Fahrenheit) for three or more days.
  • 4% higher during 2-day cold snaps with temperatures at or below the 10th percentile (ranging from 33.3 to 40.5 degrees Fahrenheit), increasing with lower temperatures and duration, and was 12% higher during 3-day cold snaps with temperatures at or below the 2.5th percentile (ranging from 27.0 to 37.2 degrees Fahrenheit). For context, 6,331 (3.1%) of the 202,678 observed deaths from heart attack happened during cold spells with temperatures at or below the 5th percentile (ranging from 30.0 to 38.5 degrees Fahrenheit) for 3 or more days.
  • Twice as high during 4-day heat waves that had fine particulate pollution above 37.5 micrograms per cubic meter. Days with high levels of fine particulate pollution during cold snaps did not have an equivalent increase in the risk of heart attack death.
  • Generally higher among women than men during heat waves.
  • Higher among people ages 80 and older than in younger adults during heat waves, cold snaps or days with high levels of fine particulate pollution.
  • The mean age of all individuals who died from a heart attack in Jiangsu from 2015-2020, including during non-extreme temperature events, was 77.6 years old; 52.1% of these individuals were over 80 years old.

    The researchers estimated that up to 2.8% of heart attack deaths may be attributed to the combination of extreme temperatures and high levels of fine particulate pollution (> 37.5 micrograms per cubic meter), according to WHO targets.


    Reducing exposure to air pollution and reversing the negative impact of poor air quality on cardiovascular health, including heart disease and stroke, is essential to reducing health inequities in Black and Hispanic communities.

    "Strategies for individuals to avoid negative health effects from extreme temperatures include following weather forecasts, staying inside when temperatures are extreme, using fans and air conditioners during hot weather, dressing appropriately for the weather, proper hydration and installing window blinds to reduce indoor temperatures," said Liu. "Using an air purifier in the house, wearing a mask outdoors, staying clear of busy highways when walking and choosing less-strenuous outdoor activities may also help to reduce exposure to air pollution on days with high levels of fine particulate pollution. To improve public health, it is important to take fine particulate pollution into consideration when providing extreme temperature warnings to the public."

    In a 2020 scientific statement and a 2020 policy statement, the American Heart Association details the latest science about air pollution exposure and the individual, industrial and policy measures to reduce the negative impact of poor air quality on cardiovascular health. Reducing exposure to air pollution and reversing the negative impact of poor air quality on cardiovascular health, including heart disease and stroke, is essential to reducing health inequities in Black and Hispanic communities, those that have been historically marginalized and under-resourced, and communities that have the highest levels of exposure to air pollution.

    The investigators recommended additional research about the possible interactive effects of extreme weather events and fine particulate pollution on heart attack deaths in areas with different temperature and pollution ranges to confirm their findings. The study did not include adjustments for any adaptive behaviors taken by individuals, such as using air conditioning and staying indoors, when temperatures are extreme or pollution levels are high, which could cause misclassification of individuals’ exposure to weather and alter their risk patterns. These results also may not be generalizable to other regions in China or other countries due to potential variations of adaption capacity and temperature distribution.




  • Weather changes can be a pain, literally, for migraine sufferers


    The relationship between weather and migraines are not fully understood yet. Rapid weather changes, especially shifts in barometric pressure and extreme temperature swings, can trigger migraines for some people.


    by Colleen Reynolds
    OSF Healthcare

    Weather changes can play a major role in triggering migraine headaches for some people, according to specialists who treat the condition. In fact, for some people, weather can play a huge role in migraine headaches.

    Photo provided

    Ashley Workman
    Ashley Workman is an advanced practice registered nurse with OSF HealthCare Illinois Neurological Institute (OSF INI). She works in the headache and cranial facial pain program and explains, “Specific weather changes that we see influence some of our patients’ migraine patterns are changes in barometric pressure, which we identify as any fluctuation or drop in the atmospheric pressure around us in our environment, extreme temperature shifts — so not only extreme heat waves, but also those cold snaps, or any more extreme shift in temperature from high to low.”

    Workman says Illinois weather has offered recent examples of those quick changes when it was 90 degrees just a few weeks ago, but now it’s dropping into the 30s and most people have turned their heat on. While scientists understand parts of the migraine process, Workman stresses the relationship between weather and migraine isn’t fully understood.

    Migraines are a complex disorder, and there are some theories out there that weather changes influence migraines. Workman points out that researchers have one theory in particular that is centered around the influence of barometric pressure.

    “Does that shift in atmospheric pressure actually have an influence on the pressure within our skull? And that can then further influence how our blood vessels constrict and dilate. And those specific changes then can trigger those neurons and nerves signaling the pain process, which then leads to inflammation and causing that migraine headache for patients.”


    Photo: Vitaly Gariev/Unsplash

    Testing those theories can be difficult because the brain and the nervous system are so complex.

    “These neurons that we’re talking about are so teensy, tiny and can be influenced by so many factors, migraine being one of those that the sky is somewhat the limit on what triggers them and it’s very individualized to the person so that really adds a layer of complexity of giving someone sometimes a straightforward answer of why they have migraine or what their triggers are, because it can differ so much across the board,” Workman suggests.

    • There is no cure for migraine headaches, so Workman says it truly is all about education and managing the condition by being prepared. Here are some approaches:
    • Tracking headaches on a calendar can help identify weather-related patterns. She says that’ll help better identify triggers.
    • Having medication readily available is also key. Workman emphasizes the importance of always having your medication with you in case a migraine comes on, especially unexpectedly.
    • Managing stress and routinely getting enough sleep are important.
    • Focusing on a better diet and drinking more water to avoid dehydration is also a key to better management of migraine.

    Ultimately, Workman advises that there are things providers can do to help patients live a little better lifestyle, knowing that they have migraine headaches including prescriptions, including acute medications or preventative medications.

    She adds, “A lot has evolved in the migraine world over the last five to seven years, with newer treatments on the market that we haven’t had that have been really, really so impactful for patients and leading to better migraine control.”

    If you have been struggling with migraine headaches, Workman says there’s no need to suffer without support. Make an appointment with your primary care provider.




    Tags: struggling with migraine headaches, the brain and the nervous system are complex, weather changes can play a role with migraines


    Don't have a standby generator yet? Here are 6 things you will want to know before you buy


    Brandpoint - Every day on the news, it seems, there's a report about another extreme weather event. According to the National Oceanic and Atmospheric Administration (NOAA), 2023 was a record year for extreme weather. The U.S. experienced 28 separate, billion-dollar weather disasters last year, the highest number ever. That averages out to more than one every two weeks.

    Last week, the NWS Storm Prediction Center issued a warning that severe storms capable of damaging winds, large hail, and tornadoes are on tap for tomorrow. The affected area stretches from the Ozarks into the Lower Great Lakes.

    Widespread power outages, like this one expected to roll through central Illinois on Tuesday evening, are one of the byproducts of these mega-storms, but it doesn't take a once-in-a-century flood to cause them. Blackouts happen regularly due to more "mundane" causes, like power grid glitches, ice storms or high winds, even lightning in a garden-variety thunderstorm taking out a power pole. And you're left in the dark. Depending on the severity of the outage, that darkness could last awhile.

    Remember that storm that produced nearly 80mph windspeeds passed through the area last June? In its wake, the storm left over 28,000 homes without power in Champaign County and more 170,000 homes in Ameren's service area.


    A branch from a large tree was peeled away from the trunk by strong winds last June near a condo at the corner Broadway and Vermont in Urbana.
    Sentinel photo

    When the power goes out in your home, so does the heat. And the internet. And the electricity needed to keep food at a safe temperature in the refrigerator. All of your "smart" electronics and appliances that talk to each other (and to you) go silent.

    Owning a standby generator is the best way to keep your household humming during a power outage. Because of all of the extreme weather we've been experiencing, it's moving from the nice-to-have category into a necessity. Here's what you need to know before buying one.

    A standby generator is different than a portable generator. Most people are familiar with the type of bulky generators their fathers kept in the garage, noisy contraptions that needed to be hooked up to cough to life when the power went out. You could run the refrigerator or a space heater, but not both. We've come a long way since then. A standby generator is a back-up electrical system that kicks in automatically when the power goes out. These sleek, permanently installed units are a bit like having a power plant on reserve. Some models are able to power the electricity to your entire home. The switchover from the power grid to your generator is completely automatic and usually so seamless, homeowners don't even notice a disruption.

    You must own your home to install a standby generator. Standby generators are permanently installed outside of your home — just like an AC unit or solar panel system — and routed to your home’s electrical and gas systems. For this reason, you must own the property your generator will power.

    The type of home matters. A condo or apartment, even if you own it, isn't conducive to having a generator. If you live in a townhome complex, consult your community’s by-laws before purchasing a generator. Typically, single-family and fixed mobile homes are qualified for generator installation.

    Research any necessary permits before you install. Typically, your generator will be installed alongside your home’s exterior in a discrete area, but it is still considered a modification to your home’s appearance. This means you’ll likely require approval, and perhaps permits, prior to installation if you live in a community regulated by an HOA or other governing board.

    Consider your home's power needs ... and your own. Do you want to power your entire home during an outage, or can you get by with only select appliances or systems running? Analyze your home’s electrical load and your power priorities. This will help you determine potential generator models to choose from. Some are equipped to power your entire home, while others are better for powering the necessities.

    Not all generators are created equal. You can find any number of generators on the market today with just a few mouse clicks online. But this is your family's safety and well-being in a potential disaster we're talking about. It's not the time to take chances on an untested product or company. Go with a trusted name in the industry you can count on to keep your household running. KOHLER generators have been on the market for over 100 years and each model has endured hundreds of performance tests to ensure total reliability. They're built with commercial-grade engines designed to outlast the outage. And they use state-of-the-art technology so you can monitor it on your mobile device or computer.


    Photo provided
    In addition to providing dependable electrical service in an emergency, standby generators increase the intrinsic value of the home and property on the real estate market.

    When a power outage strikes, a standby generator ensures that your family won't miss a beat. Want to learn more? Visit KOHLERhomeenergy.com for more information.


    Potential NOAA cuts spell trouble for IL weather warnings



    This weekend, a violent storm cell producing a tornado that raced along a 12 mile track just south of Champaign-Urbana. Fortunately, nobody was injured, but area saw damage to buildings and powerlines. Without NOAA warnings preceeding major storms like this, many will suffer without the warnings of severe weather.


    Photo: NOAA/Unsplash

    In addition to short-term storm predictions, like for the storm passing through Central Illinois on Sunday, data from NOAA helps farmers understand what to plant and when to harvest.

    by Judith Ruiz-Branch
    Illinois News Connection

    CHICAGO - One of many federal agencies facing cuts by the Trump administration's Department of Government Efficiency is the National Oceanic and Atmospheric Administration and in states like Illinois with plenty of extreme weather events, scientists said the cuts could threaten people's safety.

    NOAA employees are bracing for expected layoffs of up to 20%, or more than 1,000 jobs. Among other roles, NOAA's National Weather Service provides data used by most weather forecasters, including for warnings and advisories.

    Bernadette Woods Placky, chief meteorologist and vice president of engagement for Climate Central, explained why NOAA data is critical.

    "Because of NOAA data, we know when to evacuate ahead of storms, fires," Woods Placky outlined. "We know when not to evacuate, which is also really critical, because that saves a lot of money and a lot of time."

    Just this week, Illinois saw severe rain and snowstorms, high winds and tornado and fire warnings. Woods Placky added beyond short-term predictions, data from NOAA helps farmers understand what to plant and when to harvest, especially as crop hardiness zones shift due to climate change.

    NOAA's climate and storm data dates back to 1950 and goes beyond U.S. borders. Woods Placky emphasized unstable governments can interrupt data gathering.

    "When you get that gap in the data, it invalidates the long-term datasets," Woods Placky pointed out. "You can't carry it with the same weight to tease out longer-term trends to keep people safe and prepared on longer-term shifts that we're seeing."

    She added global groups also use NOAA's data, including the Intergovernmental Panel on Climate Change and the United Nations.

    Some argued services NOAA offers can instead be privatized.

    David Dickson, TV engagement coordinator for the nonprofit Covering Climate Now, said it shows a misunderstanding.

    "To argue against NOAA not being useful because we have private companies offering weather apps would be to argue against farmers because we have grocery stores," Dickson underscored. "It really does fund the invisible backbone of virtually everything we consume."




    6 tips to keep your pets warm and safe during Illinois winter


    pets out for a walk
    Photo: Nathanael Mosqueda/Pexels
    (Family Features) -- So far, the weather in central Illinois has been pretty mild this winter, and like their owners, family pets are enjoying their time outside. But as we head toward the typically colder 6-8 week period starting sometime in January through February, it is never too early to start thinking about protecting our four-legged companions when arctic air from the north pushes our way.

    Just as people prepare their homes, cars and families for extreme temperatures and weather events of winter, it's important to remember pets' needs this time of year.

    As cold weather sets in, Dr. Jennifer Freeman, DVM, resident veterinarian at PetSmart, shares these tips to prepare and ensure your pets are warm and happy throughout winter.

    Take Caution When Outdoors
    When temperatures reach levels of extreme cold, Freeman recommends limiting outdoor walks and monitoring your pet's behavior for signs of stress or discomfort. Letting your dog outside to use the bathroom or go for a quick walk is OK, but never leave a pet outside for a long period of time, especially during a winter storm.

    "Don't let your dog off its leash after snowfall, as snow can mask familiar scents," Freeman said. "This can cause your pet to become disoriented or lost if they get too far away."

    Add Extra Layers
    Despite efforts to limit time outdoors, your pet needs to go outside for bathroom breaks and exercise. Pets who are small, short-haired, old or have any health issues or illnesses may be more sensitive to cold weather.

    Pet sweaters can help keep your pet warm. If your pet is shivering, that's a sign they need extra layers. To help trap body heat and protect paws from extreme cold, consider using booties when venturing outside.

    Watch out for Hazardous Chemicals
    Many people use snow-melting products like deicers, antifreeze and salt, which can cause skin irritation and be fatal if ingested by your pet. Pet parents should keep an eye on their pets when they're outside and be mindful of hazards. After a walk, it's important to thoroughly rinse your pet's paws and stomach, Freeman said, especially after walking in areas where these products are frequently used.

    Keep Skin Protected
    Just like humans, many pets get dry skin during the winter. When your pet needs a bath, try using a pet-friendly moisturizing shampoo to help keep skin healthy and hydrated. If your pet's skin seems extra dry, supplements like fish oil can be added to your pets' food to help the skin and coat. It's important to keep an eye on skin health and check with your vet if issues persist as they could be signs of larger problems.

    Have an Emergency Plan
    "While creating emergency kits in case of a storm or power outage, don't forget about your pet's needs," Freeman said. "A pet's kit should include supplies needed to keep them fed, warm and secure during emergency conditions like blizzards or extreme cold. Items like sweaters, insulated vests, paw booties, pet-safe ice melt and a heated bed or pad can help avoid risks associated with freezing temperatures."

    Gather any other care items your pet may require such as medications, puppy pads, waste bags, litter box supplies and calming spray. Freeman also suggests storing a one-week supply of food in a waterproof container along with bottled water and portable bowls as well as a list of feeding routines and behavioral considerations in case others need to care for your pet.

    Ensure Identification Information is Current
    While winter emergencies may add to the importance, it's crucial your pet wears a tag displaying your phone number year-round. Microchip and register your pet with current contact information and tuck a copy of their vaccination and medical records, veterinary contact information and a current photo in your emergency kit.

    Find products to help protect your pet this winter at PetSmart.com.


    Small farms disproportionately impacted by extreme heat according to recent study



    Researchers say there's no silver bullet for mitigating the effects of heat stress on herds.


    by Judith Ruiz-Branch
    Illinois News Connection

    CHICAGO - A new study shows how extreme weather conditions negatively affect production yields on Midwest dairy farms, with a disproportionate impact on smaller farms.

    Researchers at the University of Illinois studied milk production records from nine Midwest dairy farmers. Considering both temperature and humidity when measuring extreme heat, they found farms lose about 1% of milk yield annually because of heat stress, while smaller farms lose closer to 2%.

    Marin Skidmore, study co-author, said when cows are in extreme heat, it can cause increased restlessness and risk of infection, and decreased appetite, which reduces milk yield and impacts bottom lines.

    "To some extent, it's only 1.6%. But if you're really making every dollar from your paycheck count, because you're living in a time with high costs, then 1.6% of your paycheck being gone in a given year is meaningful," she said.

    The study predicts extreme heat days to be much more frequent in years to come and milk yield losses to increase about 30% in the next 25 years.

    The Midwest tends to have smaller dairy farms compared with other states, with herds ranging from 100 to 200 cows. Researchers say being able to track and compare daily milk yields across a large region with similar climates has never been done before. Skidmore said their findings suggest that larger herds seem to have some level of protection to extreme heat compared with smaller farms, which start to see impacts of heat stress at lower thresholds.

    "And this is additionally concerning in the context that we're studying because we've seen a lot of dairy farm exits over the last decade or two, and many of those are small farms," she added.

    While researchers say there's no silver bullet for mitigating the effects of heat stress on herds, recommendations include adjusting feeding and calving timing, and using sprinklers and improved ventilation systems.

    Skidmore emphasized the need for additional support for small farms since capital costs can be particularly constraining.

    "Having the access to enough capital to make these really big investments is difficult, and grants or loans to help small farms adopt some of these management technologies could be one avenue to help small farms cope with heat stress and keep them competitive," she continued.

    Skidmore said more research is also needed to explore other options to best manage extreme heat on dairy farms.




    Not much light to shine, Summer electric price spike fuels policy tensions in Springfield



    Price hike due to lack of energy supply comes alongside rocky transition to renewable power. “We cannot allow these power-hungry facilities to drive up costs for consumers who are already struggling to pay their bills,” says Gina Ramirez.


    reading in the dark
    Photo: Hans Isaacson/Unsplash
    Downstate Ameren Illinois says customers can expect an 18% to 22% increase in their monthly bill, or about $45 per month depending on usage. Long-term underlying issues affecting the rising costs could lead to even higher prices or rolling blackouts.

    by Andrew Adams
    Capitol News Illinois
    SPRINGFIELD - Customers around Illinois will see significantly higher prices on their electric bills next month.

    The average residential customer of northern Illinois’ Commonwealth Edison will pay about $10.60 per month more this summer, according to a company statement. Downstate Ameren Illinois says customers can expect an 18% to 22% increase in their monthly bill, or about $45 per month depending on usage. Prices will likely decrease in October once winter electric rates go into effect.

    Increasing energy prices are causing alarm among some consumer advocates and state policymakers, who worry that the long-term problems underlying the rising costs could lead to even higher prices or rolling blackouts.

    Clara Summers, who advocates for consumer-friendly energy policy on behalf of the nonprofit Citizens Utility Board, said the ComEd price increases were for two reasons: increasing demand from data centers and large manufacturing as well as procedural issues slowing down new renewable projects.

    CUB officials said the issues underlying Ameren’s increase were similar, while noting that both were due in part to the way grid regulators structure pricing.

    The price hikes are a major undercurrent of escalating tensions over a package of energy reforms making its way through Springfield as lawmakers race toward their scheduled May 31 adjournment.


    Extreme weather events are “likely” to cause shortfalls in energy reserves.

    “We’re trying to keep prices low while combating climate change,” Jen Walling, head of the Illinois Environmental Council, told Capitol News Illinois. The IEC has been heavily involved in advocating for parts of the bill.

    In December, federal officials at the North American Electric Reliability Corporation — the nonprofit oversight agency for grid operators — designated the grid for central and southern Illinois as “high risk” for not having enough electricity to meet demand on hot days in the summer and cold days in the winter over the next five years. The grid that stretches from central Canada to the Mississippi river delta is the only power grid in the nation to have that designation, with much of its risk stemming from power plants closing.

    Illinois’ northern grid, which includes parts of 13 states and Washington, D.C. from Illinois to the east coast, faces “elevated” risk. That means extreme weather events are “likely” to cause shortfalls in energy reserves. The increased demand stems from data centers, increasing adoption of electric heat pumps and the rise of electric vehicles, according to NERC.

    David Braun, an executive at the energy technology company Intelligent Generation, said demand on the electric grid is the highest it’s been in the 30 years he’s worked in the energy sector.

    “We haven’t seen this in a long time,” Braun told Capitol News Illinois. “So, it’s catching planners by surprise, and it takes a long time to build power plants.”

    Shrinking supply

    That demand, according to NERC’s December report, is coming at the same time supply is going down — increasing pressure on the grid.


    Downstate Illinois’ grid might run out of energy reserves as soon as 2034...

    Around the country, fossil fuel plants are closing as states move to limit their greenhouse gas emissions. While Illinois exports energy overall, plant closures elsewhere in the country can affect the price of energy, raising prices for Illinoisans. Grid operators nationwide, meanwhile, face yearslong red tape-induced backlogs on new renewables.

    Downstate Illinois’ grid might run out of energy reserves as soon as 2034, per NERC. Northern Illinois’ grid has more reserves but will face decreased levels throughout the next decade. If nothing is done to either reduce demand or increase supply, this means prices could continue to increase or blackouts could become necessary to stabilize the grid.

    To address these issues, lawmakers in Springfield are weighing sweeping energy legislation. The bill’s proponents say its provisions to incentivize new developments are the only way to prevent serious problems without walking back the state’s climate goals.

    Republican critics contend that the main reason for the legislation is to fix problems with the 2021 Climate and Equitable Jobs Act. Gov. JB Pritzker’s marquee climate policy, they say, is a major cause of the supply shortfalls because it requires fossil fuel-burning power plants to shut down by 2045.

    Others say provisions aimed at reducing data centers’ energy demands on the grid will hurt businesses in the state. Lawmakers and advocacy groups are currently reviewing draft language for the bill, which has not been made public. Even with complex procedural maneuvering to avoid long-passed deadlines, lawmakers face a tight turnaround to reach an agreement before the legislative session ends.

    The process could have become more complicated, some suggest, after the U.S. House passed a wide-ranging bill early Thursday that could drastically alter federal energy incentives if it becomes law.

    Higher prices

    Bills for customers of private electric utilities — most notably ComEd and Ameren — will go up in June.

    The increase was determined at two recent capacity auctions, which are how grid operators set energy prices for years into the future. High prices at these auctions can indicate low supply relative to demand.


    Consumer watchdogs at CUB estimate that the policy cut the increase for ComEd customers by about 17%.

    PJM Interconnection, the grid operator for northern Illinois, saw a roughly eight-fold jump in its most recent capacity auction compared to the year prior. Downstate’s energy grid, Midcontinent Independent System Operator, or MISO, saw more than a 20-fold year-over-year price jump at its capacity auction in April.

    Representatives of the state’s two largest electric utilities stressed that these increases occurred beyond their purview. “ComEd does not profit from this increase, was not part of the auction, does not supply capacity, and does not retain any proceeds of the capacity charge payments,” ComEd spokesperson John Schoen said in a statement.

    An Ameren spokesperson echoed the sentiment, noting that the state requires utilities to pass this type of cost to customers “dollar-for-dollar, without markup.”

    The price is lower for ComEd customers than it could have been due to a provision in CEJA, which credits customers when energy generated by nuclear power plants is above a certain level. Consumer watchdogs at CUB estimate that the policy cut the increase for ComEd customers by about 17%. Customers in the Ameren area, which has much less nuclear power, are not eligible for the credit.

    Other energy providers

    While millions of Illinoisans get their power from ComEd and Ameren, some get their electricity through other means, including alternate retail suppliers, municipal utilities and electric cooperatives. Many of these energy suppliers are not affected directly by the capacity auctions.

    Municipal customers in towns like Naperville, St. Charles and Rantoul are largely insulated from the spike, according to Staci Wilson, the head of government affairs for the Illinois Municipal Electric Agency. The IMEA is a private entity that provides electricity to 32 of the 42 municipal electric systems in the state.

    IMEA sometimes participates in capacity auctions. But Wilson said the agency tends to secure energy through other means, such as having ownership stakes directly in power plants.

    “IMEA member municipalities have rates that are currently lower than private utilities and our ownership model continues to gain value as we transition to a carbon-free future in an affordable and reliable manner,” Wilson said. But other municipal utility officials, including those at Springfield’s City Water, Light and Power, are less optimistic about future prices.

    “Regulations are forcing plant retirement a little too soon,” CWLP spokesperson Amber Sabin said. “And the grid operators that are here, they have resources that they can't connect to the grid. They're waiting, or they don't get financing or ever developed. They have supply chain issues, workforce issues, right? There's a cost to all of that.”

    CWLP didn’t participate in the recent MISO auction, although it could have. The utility shut down several coal-fired generators over the past five years but continues to operate one coal-fired power plant on the southeast side of Springfield. That plant will need to shut down permanently at some point in the next two decades under state law. “In the future, all the costs are going to go up,” Sabin said. “We do expect that capacity auction prices will affect our customers.”

    That echoes what some state officials expect as well. Sen. Bill Cunningham, D-Chicago, has worked on energy legislation for years and said that there is “nothing we can do” to reduce prices for this summer as capacity auctions have concluded, but he said lawmakers should do what they can to address the root causes of the spike.

    “We think this is going to be the new normal,” Cunningham said.

    Legislative moves

    Negotiations over energy reforms in Springfield have included lawmakers, the governor’s office, and interest groups including environmentalists, organized labor and business associations. The process is sparking heated debate. Over the past week, a draft of legislation began circulating among lawmakers and advocates, many of whom discussed portions of the bill with Capitol News Illinois.

    “I don’t think, by any stretch, you’ll see a bill the size and scope that CEJA was, that we passed four years ago — certainly won’t see that,” Cunningham, who was involved in the negotiations, said. Potential provisions deal with incentives for renewable power, energy efficiency regulations, nuclear power, data centers and more.


    We cannot allow these power-hungry facilities to drive up costs for consumers who are already struggling to pay their bills.

    Environmental groups clashed with business and labor this week over a provision meant to lower the energy burden brought by data centers. That proposal would require large energy consumers to build their own energy generation through renewable sources like wind or solar power or pay the state to do so.

    The pitch sparked fierce pushback from business and labor groups, which sent a collective letter to Pritzker, urging him to oppose the specific provision. The letter was co-signed by groups including the AFL-CIO, Climate Jobs Illinois, Illinois Manufacturers’ Association and Constellation Energy — the last of which operates all the state’s commercial nuclear power plants.

    The proposal is being pushed by environmentalists, who say they want more accountability from data centers and other large consumers.

    “We cannot allow these power-hungry facilities to drive up costs for consumers who are already struggling to pay their bills,” Gina Ramirez, director of Midwest environmental health at the National Resources Defense Council, said at a Wednesday rally.

    Other issues are less controversial, largely because they’ve been negotiated for months.

    Cunningham, a prominent player in the passage of CEJA, has his own proposal in the current draft: incentives for the energy storage industry. The current draft of that provision closely parallels recommendations made by the Illinois Commerce Commission. That agency was directed by a bill passed earlier this year to study how to handle energy storage projects. While legislative Republicans have largely been shut out of negotiations over the bill, some of their ideas are being considered.

    Sen. Sue Rezin, R-Morris, put out a pitch to ease the pressure on electric demand earlier this year by expanding nuclear energy. She was the architect of a bill two years ago that eased the state’s moratorium on new nuclear power plants, lifting it for next-generation, small generators.

    This year, Rezin introduced a bill that would eliminate the remaining state restrictions on new nuclear power plants. Language similar to Rezin’s was included in draft legislation circulated this week. Rezin, who leads several energy-related groups of lawmakers as part of her involvement at the National Conference of State Legislatures, said all states are facing similar issues around electricity.

    “All energy buildout will take years because of the regulatory process,” Rezin said. “That's why it's important now. The state of Illinois needs to send positive messages to companies that are looking to invest in technology — whether it's nuclear or any other kind of energy producing plant — that we are open for business.”

    The feds’ ‘big, beautiful bill’

    Republicans in the U.S. House of Representatives on Thursday morning passed a bill containing many domestic policy priorities of President Donald Trump that many fear could upend state energy policy.

    The bill contains provisions rolling back several clean energy tax incentives. Several key solar company stock prices fell sharply Thursday morning in response, including NextEra Energy, FirstSolar and Enphase Energy among others.

    Photo: American Public Power Association/Upsplash

    The solar industry has been a key part of Illinois’ renewable energy plans and efforts to reduce carbon emissions. Lesley McCain, the head of the Illinois Solar Energy & Storage Association, said that the bill could “cause solar energy companies of all sizes to cancel projects, and many will be forced to shut their doors.”

    Environmentalists were quick to criticize the federal bill, which still requires negotiation and an eventual vote in the U.S. Senate before it can become law.

    “It strips funding for climate programs, guts clean energy manufacturing, kills good union jobs, drives energy prices up, and abandons farmers and small business owners,” Walling said in a statement.

    Illinois Republicans, meanwhile, expressed optimism that some of the bill’s provisions could help the fossil fuel sector in the state.

    “If the federal government is going to help us to, you know, power up coal, power up gas — we want all energy,” Illinois House Minority Leader Tony McCombie, R-Savanna, said at a news conference. “We want solar, we want wind, we want nuke, we want coal. We want all of it.”

    Rep. Ryan Spain, R-Peoria, noted that the federal bill should not “be used as an excuse to rush forward” on the energy legislation under consideration in Springfield.




    Four signs you need a new roof over your head


    Communication-76/Pixabay

    SNS - A roof is one of the most important components of any home. It protects the structure and its inhabitants from harsh Illinois weather, debris, and even pests. However, over time, roofs can become damaged due to age or extreme conditions.

    Knowing when it’s time to re-roof your house can save you money in the long run, as well as protect your home’s structural integrity. In this article, we will discuss the signs to look out for that indicate when you should consider re-roofing your home. Here are four signs when you need re-roof your home or rental property.

    #1 Cracked or Missing Shingles

    Shingles are thin strips of material that form the surface of your roof. It looks like overlapping triangular tiles. If you notice that your shingles are cracked, missing, or curling up on the edges, then it’s a sign that they need to be replaced. This can happen due to age or exposure to extreme weather conditions such as hail and wind. Missing shingles can also result from poor installation or poor maintenance.

    While this can be an easy fix, you still need to consider hiring experienced roofing contractors like Mighty Dog Roofing to ensure that your shingle replacement is done correctly. If you don’t replace your missing or cracked shingles, then it can lead to more damage and cost more money in the long run.

    #2 Sagging Roof

    If you notice that your roof is sagging, it could be a sign of a structural issue with your roof decking, which supports the entire roof structure. If this is the case, it’s crucial to have a professional to inspect your roof right away, as sagging can lead to catastrophic damage and costly repairs.

    It could also be due to poor ventilation or inadequate insulation, both of which can contribute to premature wear and tear on your roof. In any case, it’s best to have a professional inspect your roof and determine the cause of the sagging so that it can be addressed promptly.

    #3 Sunlight Coming Through Your Roof

    If you notice that sunlight is coming through your roof, then it’s time to re-roof. This could mean that there are gaps or holes in your roof that need to be patched. These gaps can allow moisture and pests into your home, as well as cause energy loss due to heat escaping from the house.

    The good news is that patching these holes or gaps can usually be done relatively quickly and inexpensively. However, if there is extensive damage to the roof, then it may be time to consider re-roofing your home.

    #4 Age of Roof

    The age of your roof can also be a factor in determining whether or not you should re-roof. Most roofs are designed to last around 20 years, and after that, they can start to deteriorate due to age and weather conditions. If your roof is more than two decades old, it’s probably time to consider re-roofing your home.

    Good thing is, modern roofs are made of much more durable materials than those used in the past and can last for up to 50 years with proper maintenance. So, when it’s time to re-roof, you can be sure that your new roof will last a long time.

    How to Re-roof Your House

    The first step to re-roofing your home is to contact a roofer for an inspection. A professional roofer will be able to assess the condition of your roof and advise you on the best course of action. This could mean anything from repairing small issues to completely replacing the roof.

    If it’s determined that you need to re-roof, then the roofer will be able to recommend materials and products that are best suited for your home. It’s important to take their advice, as they have a lot of experience in this field and know what works best. Once you have decided on materials and products, the roofer will be able to provide you with an estimate for the cost of the project.

    Common Cost for Re-roofing

    The cost of re-roofing your home will largely depend on the size of your roof, the materials you choose, and any additional services like repairing existing damage. Generally speaking, re-roofing projects can range from a few thousand dollars to over $10,000 depending on the size and complexity of the job.

    Re-roofing your home is not an easy job and it is very important if there is a need. By keeping an eye out for signs of damage and taking action to address any issues, you can help ensure that your roof lasts as long as possible and protect the value of your home.

    If you suspect that your roof may need to be replaced, then don’t hesitate to contact a professional roofer for an inspection and advice. With the right materials, a good plan, and proper maintenance, you’ll be confident knowing that your new roof will protect your home for years to come.


    Prepared and aware: 4 travel safety tips for your 2026 getaway


    If your next trip feels more complicated to plan than you remember, you're not imagining it. Fuel prices, geopolitical tensions, and overcrowded hotspots are all changing the travel equation - here's what you need to know.


    Feature Impact - From beach escapes to international adventures, travel is still a top priority for millions of Americans, particularly during the warm-weather seasons. However, in light of evolving global events – and the changing travel advisories that often accompany them – preparation and awareness are key.

    Travel planning should be exciting, and being a prepared traveler ensures you can focus on making memories rather than managing surprises. That means doing your homework before you go, remaining cautious and aware while you’re there and being ready to respond should the unexpected happen.


    Photo: Beate Vogl/PEXELS

    Geopolitical tensions and overcrowded hotspots are all changing the equation for travelers of all ages. Global travel remains popular but increasingly complex as a half dozen issues complicate what should be a relaxing and exciting summer of fun and exploration.

    If you’ve tried planning a trip lately, you’ve probably noticed that the travel world feels a little different. Routes are shifting, prices are climbing, and travelers everywhere are rethinking how—and where—they want to explore. None of this means you should stay home. It just means a little extra awareness goes a long way.

    Geopolitical conflicts are affecting flight bookings

    Tensions in the Middle East continue to ripple across global aviation. The U.S. State Department’s Worldwide Caution highlights the possibility of sudden airspace closures, and some governments are warning travelers to avoid certain transit routes altogether.

    Airlines are being forced to take longer paths around conflict zones, sometimes adding hours to flights. With Dubai International Airport—normally one of the world’s busiest hubs—shut down due to missile damage, a major link between Europe and Asia is offline. Add in rising LNG prices and jet fuel spikes, and it’s no surprise travelers are seeing more delays, cancellations, and higher fares.

    Rising costs are reshaping the travel budget

    The days of cheap post-pandemic travel are fading fast. Jet fuel prices have jumped more than 120%, and airlines are trimming seat availability on long-haul routes to control costs. Hotels and services aren’t far behind, with inflation pushing prices up across the board.

    This has created a split in the travel world: luxury travelers are still going strong, while budget-conscious travelers are feeling the pinch. Many are leaning on loyalty points, choosing closer destinations, or shifting plans to avoid sticker shock. Currency swings—like a weaker U.S. dollar—are also influencing where Americans feel they can afford to go.

    Travelers want meaningful, personal experiences

    Even with higher prices, people aren’t giving up on travel—they’re just being more intentional about it. Instead of generic itineraries, travelers are looking for trips that feel personal and purposeful. That might mean exploring local culture, focusing on wellness, or even recreating childhood vacations.

    The result is a “two-speed” travel landscape: premium experiences on one end, value-focused options on the other, with fewer middle-of-the-road choices.

    Secondary cities and regional trips are having a moment

    Photo: Adrian Limani/PEXELS

    Visiting towns off the beaten path, like Canton of Bern in Switzerland, is growing among frequent travelers.
    Overcrowded hotspots are pushing travelers to look elsewhere. Secondary cities and off-peak seasons are becoming more appealing for anyone wanting fewer crowds and more authentic experiences.

    At the same time, the unpredictability of long-haul flights is nudging people toward regional travel. In places like Southeast Asia, intra-regional trips are booming because they’re easier, cheaper, and more reliable. Meanwhile, inbound travel to the U.S. is taking a hit—about one-third of potential visitors are rethinking their plans, and summer bookings from Europe are down 14%.

    New rules and a bigger focus on sustainability

    Destinations around the world are rolling out new regulations to manage tourism’s impact. Tourist taxes, eco-taxes, and stricter short-term rental rules are becoming more common. Sustainability isn’t a niche trend anymore—it’s a core part of how many places operate.

    Travelers are also gravitating toward destinations with milder climates and greener practices, especially as extreme weather becomes more common.

    Climate change is shaping when and where people choose to go

    Weather patterns are shifting, and travelers are adjusting. Warmer springs and autumns are stretching out shoulder seasons, while intense summer heat is driving interest in “coolcations”—trips to cooler regions during peak heat months. Severe weather events are also causing more delays and cancellations, especially in areas near the equator.

    Infrastructure and staffing are still catching up

    Even with strong demand, the travel industry is still dealing with staffing shortages. TSA delays have become more common, and airlines continue to face long-term gaps in pilots and maintenance crews. Hotels are operating with leaner teams too, often offering housekeeping only by request and scaling back food services.

    Tech is making travel smarter

    On the bright side, technology is stepping up. Nearly 60% of travel operators expect generative AI to play a major role in personalization and efficiency. Biometrics and “super-apps” are also making it easier to move through airports and hotels with fewer friction points.

    As you pack your bags, the experts at ALG Vacations recommend taking proactive steps like these to stay informed, protected and confident no matter where your adventures take you.


    Photo: Ketut Subiyanto/PEXELS

    Despite the challenges, travel is absolutely still worth it, just do your homework before you book.

    Research Your Destination

    Familiarize yourself with local customs, transportation options and any travel advisories tied to your destination, which often vary by region, not country. If you’re heading abroad, consider enrolling in the Smart Traveler Enrollment Program (STEP) offered by the U.S. State Department. The free service provides real-time, destination-specific updates about health, weather, safety and security, and makes it easier to contact you in case of an emergency.

    Consult with a Travel Advisor

    One of the most effective safety measures is working with a professional travel advisor. Advisors monitor travel advisories in real time, understand geographic nuances and regional differences within destinations and can provide verified information directly from destination partners. If plans need to change, your advisor can recommend alternatives and help manage rebooking options.

    Consider Travel Insurance

    Preparation also means protecting your investment. Unexpected events – from flight cancellations and changes in advisory level to medical emergencies and weather delays – can happen at any time. Travel insurance adds an extra layer of protection, helping cover eligible expenses and providing peace of mind. If you elect coverage, review policy options carefully to understand what is and isn’t covered by your plan.

    Share Your Plans with Someone at Home

    Before departing, provide a trusted friend or family member with copies of your itinerary, lodging information and contact details. This ensures someone knows where you are and how to reach you in case of an emergency, flight disruption or unexpected change in plans.

    Frequently Asked Questions About Safe Travel to Mexico

    Many of Mexico’s popular beach destinations – including Cancun, Riviera Maya, Costa Mujeres and Tulum – are operating as normal and welcoming visitors under a Level 2: Exercise Increased Caution advisory, which encourages travelers to remain aware of their surroundings and follow standard safety precautions, but does not discourage travel.

    Stay informed of changes to advisory levels through official updates from the U.S. Embassy and the STEP program, and consider these questions frequently asked to ALG Vacations travel advisors when planning your trip.

    Is it safe to travel to Mexico right now?

    Travelers should follow the U.S. State Department’s official guidance. If visiting a destination in Mexico under the Level 2 advisory, which is a common advisory level globally that also applies to destinations such as France and Italy, exercise standard travel precautions.

    Has the Puerto Vallarta shelter-in-place order been lifted?

    Yes, the shelter-in-place guidance affecting Puerto Vallarta has been lifted. However, travelers
    should regularly monitor official sources for updates or changes.

    Are Cancun, Riviera Maya, Costa Mujeres or Tulum experiencing disruptions?

    Airports in Cancun, Cozumel and Tulum are operating normally. Hotels, cruise ports and tourism services are also fully operational.

    Are Los Cabos operations impacted?

    Los Cabos tourism operations remain fully operational, including airport activity, ground transportation and hotel and resort operations.

    What are some alternative destinations?

    For those who may be exploring alternative plans, consider these popular spring destinations both domestically and abroad:
    • Caribbean destinations including Jamaica and the Dominican Republic
    • U.S. warm-weather destinations like Hawaii and Florida
    • European island destinations such as Mallorca, Spain or Corfu, Greece





    is it safe to travel internationally in 2026 | how to travel during geopolitical tensions | why are flights so expensive in 2026 | best travel destinations to avoid crowds 2026

    Brrrrrrrrrrr! Exposure to extreme cold can be more dangerous than you think


    If you exercise outside, wear proper clothing and know your limits. During outdoor activities, take breaks and go with a buddy. Keep a close eye on kids who may not realize how cold they are.

    Stay bundled up this winter

    Photo: Anastasia Nagibina/PEXELS

    One way to beat the cold this winter is to dress in layers. Older adults, people who work or do activities outside are at a higher risk of suffering from cold weather injuries.

    by Tim Ditman
    OSF Healthcare

    OSF ARPRN Maddy Draper
    Photo provided
    Maddy Draper, APRN

    DANVILLE - It’s the dead of winter, and you need to run to the mailbox or let your dog out. It’s just a minute, you think. A sweater and sandals will be fine.

    Not so fast, says Maddy Draper, APRN, a health care provider at OSF OnCall who sees cold weather injuries often. She says exposure to frigid temperatures can have serious consequences.

    Types of cold weather injuries

    • Frostnip: Draper says this is a mild form of frostbite where exposure to cold temperatures turns the skin pink or red. Your skin may feel burning or numb.
      “The numbness typically goes away with rewarming,” Draper says.
    • Frostbite: This is a more severe case of cold exposure. Your skin may be numb and appear yellow, white, gray or black. It may feel waxy and have blisters.
    • Hypothermia: This is when the body’s temperature drops below 95 degrees.
      “There are different stages,” Draper explains. “The first is our natural response of shivering. It gets more severe. The person may get confused and have lethargy, memory loss and slurred speech. It can lead to a coma and death.”

    Inside, too?

    Yes, there’s a risk for these injuries inside, too, Draper says. Notably, there have been cases of infants getting hypothermia.

    “The room may be too cold, and they’re not dressed appropriately,” Draper says. “If they’re in a bassinet or crib with just a onesie and it’s cold, that can lead to hypothermia.”

    Signs of infant hypothermia are bright red skin and decreased energy. Sleep experts use a thermal overall grade scale (TOG) to suggest how much clothing a baby should wear to sleep depending on the temperature of the room.

    Treatment

    Draper says she usually sees cases of frostbite and hypothermia sent to the emergency department. Providers will rewarm you with warm water or blankets and may provide warm liquids to drink, warmed oxygen through a mask and nasal tube or heated fluids through an intravenous line (IV) or other methods. Medication can also help with pain and blood flow.

    “The hospital has more imaging resources to see the impact of the tissue damage,” compared to urgent care, Draper says.

    For frostnip, you can take steps to warm up at home.

    “It’s not as fast as possible. It’s not as hot as possible. It’s just that gradual warming,” Draper says. “Get off your cool or wet clothes immediately. You don’t want to stick your hands or feet into hot, steaming water. Just warm water.”

    That’s because hot water can burn your skin. And if your skin is numb, you may not feel the burn before the damage is done. If water is not available, you can place your hands in your armpits. And handle the sensitive skin gently. Don’t rub or massage it. If your feet are affected, get off your feet.

    Prevention

    Draper says older adults, people who work or do activities outside (like hunters or hikers), unhoused people and people with medical conditions (like peripheral artery disease, diabetes and Raynaud’s disease) are at a higher risk of cold weather injuries. Getting stranded in a vehicle without proper protection is also common in the winter. Drinking alcohol or using drugs may lead to you losing consciousness outside. And smoking impacts blood circulation, putting you at a higher risk, Draper says.

    Some ways to beat the cold:

    • Dress in layers. You can always take a layer off, but you can’t put one on if you leave it at home. Make a hat, scarf, gloves and winter boots part of your wardrobe. Make sure the clothes aren’t too tight to allow for blood circulation. And look for water-resistant garments when buying clothes.
    • Have winter weather supplies, like blankets, flares, a first aid kit and food, in your vehicle.
    • Be well fed and hydrated. Body fat, though unhealthy in excess, helps us stay warm. For drinks, avoid alcohol and caffeinated beverages.
    • During outdoor activities, take breaks and go with a buddy. Keep a close eye on kids who may not realize how cold they are. Come inside to change from wet to dry clothes. Let others know your plans and when you’ll be back. If you’re not back in time, that’s a sign you may have fallen victim to the cold, and help should be sent.


    Key takeaways:
  • Cold, snowy weather makes it more difficult to exercise. The tips above will help you stay active.
  • Exercise in the daylight. It's a mood boost and is safer.
  • If you exercise outside, wear proper clothing and know your limits.
  • Indoor workouts can make use of your surroundings, like using water bottles as weights. Make sure there is nothing that would cause injury, like a slippery floor.

  • Bill to regulate soaring homeowners insurance rates is making comeback in Springfield


    A bill that would give state insurance regulators authority to review and modify homeowners insurance rates failed on the floor of the House last year but could be revived for a second vote when lawmakers return to the Statehouse this week.


    Peter Hancock
    Capitol News Illinois


    SPRINGFIELD - Illinois lawmakers are poised to make a second attempt at passing a bill that would give state regulators more authority to control the rising cost of homeowners insurance.

    Gov. JB Pritzker called for the legislation last summer after Bloomington-based State Farm Insurance announced it was raising premiums in Illinois an average 27.2%, citing years of losses in its property casualty line of coverage due to weather-related disasters in the state.


    Photo: Serge Lavoie/PEXELS

    After a natural disaster struck a while back, some insurers increased premium payments more than 25%.

    A bill to give the Illinois Department of Insurance authority to approve or reject insurance rate increases passed the Senate during last fall’s veto session. But when it returned to the House for a vote to concur with changes the Senate had made, the amended bill fell four votes short of the 60 needed for passage. That left many to believe the bill had died.

    The following day, however, the bill’s chief House sponsor, Rep. Robyn Gabel, D-Evanston, refiled a motion to concur, which is allowed under House rules. And Pritzker has said since the end of the veto session that he still wants the legislation to pass.

    “They get a second bite at the apple,” Kevin Martin, executive director of the Illinois Insurance Association, said in an interview.

    Gabel told Capitol News Illinois through a spokesperson this week that no decision had been made about calling the bill for a second vote. But Martin said people in the industry have heard the bill could be called as early as Tuesday, when the House and Senate return to the Statehouse to begin the 2026 legislative session in earnest.

    Current environment

    The controversy over State Farm’s rate hike last year raised attention to the fact that Illinois stands out among states for having exceptionally weak regulations over the insurance industry.

    Advocates for the legislation argue that every state in the nation except Illinois has a law that prohibits insurance companies from charging “inadequate, excessive or unfairly discriminatory” premiums. And other states’ insurance regulators have authority to review and modify proposed rate increases.

    Illinois, however, is known in the insurance industry as a “use-and-file” state, meaning companies can raise their rates at any time and immediately put them into effect before filing the new rate schedule with state regulators.

    The Illinois Department of Insurance has authority to license companies and agents to do business in the state. It also has authority to make sure insurance products sold in Illinois comply with state laws and that companies honor the terms of their policies. But it has no other authority to review or approve the rates they charge.

    Douglas Heller, director of insurance for the Washington-based Consumer Federation of America, described Illinois’ law last year as “among the most toothless in the nation.”

    In the wake of State Farm’s rate increase last year, Pritzker suggested the company was trying to shift the cost of disaster-related losses in other states like California and Florida onto the backs of Illinois consumers, and he said legislation was needed to prevent that practice from happening in Illinois.

    “As states across the country face even more extreme weather than we do, we need to make sure Illinois homeowners are not paying for losses that companies experience in other states,” Pritzker said in an op-ed column published in the Chicago Tribune that was cosigned by House Speaker Emanuel “Chris” Welch and Senate President Don Harmon.

    State Farm officials firmly denied that allegation, and Martin insisted no insurance companies in Illinois engage in that practice.

    “We have never seen anything like that, and we would argue very strongly that that does not happen and cannot happen based on the actuarial data that the companies have to provide in Illinois on Illinois losses,” he said.

    Proposed changes

    Pritzker’s call for new legislation to regulate homeowners insurance rates led to intense negotiations between the governor’s office, legislative leaders and the insurance industry. But the final language wasn’t unveiled until the final hours of the fall veto session. The language was put into a Senate amendment to House Bill 3799. It included language prohibiting “excessive, inadequate, or unfairly discriminatory” rates. It also called for banning the practice of “cost-shifting” by requiring companies to use state-specific loss data to develop their rates whenever possible.

    The bill also would leave in place the state’s “use-and-file” method of setting rates, meaning companies would not have to seek advance clearance from state regulators before implementing rate changes. But it would require them to give consumers at least 60 days’ advance notice before raising rates by 10% or more.

    The major sticking point for the insurance industry, however, was the provision giving the Department of Insurance authority to review and approve or modify rates after they are put into place.

    Under the proposed language, if the agency found a company’s rates to be excessive, inadequate or unfairly discriminatory, it would send the company a notice specifying the agency’s objections. Companies then would be allowed to defend their rates at an administrative hearing. But after that hearing, if the agency still believed the rates violated standards of the law, it would be authorized to order the company to rebate excess charges back to customers.

    According to Martin, the industry’s main objection to that language was that there was no limit on how far back in time the agency could look in its rate review process.

    “They can go back forever,” he said.

    “We just believe that, in all of the negotiations that we had, for them to come in at the last minute with this type of language, of the changes that they made, was just something that we thought was really unfair,” Martin said.

    The House and Senate have each been in session a few days this year, mainly to introduce new bills and to pass a few resolutions. But the work of the session will begin in earnest this coming week, starting Tuesday when both chambers will meet and begin holding committee hearings.

    Pritzker is scheduled to deliver his annual budget and State of the State address to a joint session of the General Assembly on Wednesday.


    Capitol News Illinois is a nonprofit, nonpartisan news service that distributes state government coverage to hundreds of news outlets statewide. It is funded primarily by the Illinois Press Foundation and the Robert R. McCormick Foundation.




    Tags: Illinois bill to regulate insurance companies resurfaces, Illinois Insurance Association opposes new bill, homeowners insurance rate hikes, Illinois insurance consumers



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