Insurance: health benefits; application of amount paid by the insured or other certain parties when calculating the insured’s co-pay for a prescription drug; require under certain conditions. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406nn.

This bill requires health insurance plans in Michigan to count payments made by patients or on their behalf toward out-of-pocket maximums and cost-sharing requirements for prescription drugs. The rule applies to both standard plans and high-deductible plans, with a specific exception for high-deductible plans where counting such payments would disqualify a patient's health savings account. The legislation takes effect for policies delivered, issued, or renewed in the state after December 31, 2025.