Insurance: health insurers; required coverage for autism spectrum disorders; modify. Amends sec. 3406s of 1956 PA 218 (MCL 500.3406s).

HB 4740 requires health insurance plans sold in Michigan to cover diagnosis and treatment for autism spectrum disorders (ASD), directly affecting insured individuals with ASD and their families. It mandates coverage for behavioral health treatments like applied behavior analysis, with age-based annual limits: $50,000 for children under 6, $40,000 for ages 7-12, and $30,000 for ages 13-18. Insurers cannot deny coverage based on an ASD diagnosis, limit treatment visits, or apply stricter cost-sharing than for physical illnesses (though annual caps apply). The bill also allows insurers to request periodic diagnostic reviews (e.g., autism diagnostic observation schedule every 3 years) and annual development evaluations.