Insurance: health benefits; pap smears; require to be covered in certain cases. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406nn.

HB 5200 requires health insurance plans in Michigan that cover gynecological care to include annual pap smear screenings for women aged 21 or older, with coverage mandated every three calendar years. This applies to all health insurance policies delivered, issued, or renewed in Michigan that provide gynecological coverage, directly affecting women 21+ and insurers offering such plans. The bill eliminates cost-sharing requirements (like copays, deductibles, or coinsurance) for these screenings, ensuring full coverage without out-of-pocket costs. It amends Michigan’s Insurance Code (MCL 500.3406nn) to standardize this preventive care requirement. The bill is currently pending in the House Committee on Insurance after introduction on November 4, 2025.