This bill prohibits insurance companies in Michigan from using price optimization techniques when setting rates. It defines price optimization as adjusting premiums based on factors unrelated to risk, such as a customer's willingness to pay or their likelihood of switching providers. The law also bans insurers from penalizing customers for shopping around, canceling policies early, or complaining about their coverage. By outlawing these practices, the bill aims to ensure that insurance rates are determined solely by the risk of loss or expense rather than a consumer's financial behavior.
Senate Bill 205 amends the public health code to permit physician's private practice offices and urgent care centers to provide information on anatomical gifts and bone marrow donation. These facilities may inquire of new patients whether they are interested in learning about the organ and tissue donor registry. For new patients aged 18 to 45, they may also inquire about interest in bone marrow donation. If a patient requests information, the offices or centers may provide educational materials and contact details for relevant donation programs or the state's organ procurement organization.
HB 4207 amends Michigan's insurance code to exclude "federal excepted benefits" from standard health insurance coverage requirements. It changes the definition of "health benefit plan" to clarify that coverage for specific federal benefits (like certain military or Indian Health Service programs) is not required under state health insurance policies. This directly affects health insurance carriers and policyholders in Michigan by narrowing what must be included in basic health coverage under state law. The bill makes this change by updating Section 3701 of the Insurance Code to exclude these federal benefits from the definition of covered services.
HB 5249 creates a new "adaptive care license" for ambulance operations currently licensed only for basic life support (BLS). It allows these operations to gradually upgrade to provide limited advanced life support (ALS) or advanced life support (ALS) services, provided they demonstrate staffing and equipment readiness for higher care levels by January 1, 2025. The license requires annual documentation of progress toward this upgrade, including training and equipment plans, and must be renewed annually alongside the operation's regular license. This applies specifically to ambulance services owned or contracted by local governments that previously provided only BLS for emergency response.
HB 4905 amends Michigan's licensing requirements for marriage and family therapists to explicitly allow virtual supervision via secure technology during training. It directly affects individuals seeking licensure who must complete supervised clinical hours, permitting them to meet the 300-hour practicum and 1,000-hour post-degree experience requirements through real-time video sessions instead of requiring in-person sessions only. The bill modifies specific sections of the Public Health Code (MCL 333.16909) to clarify that supervision via secure video technology qualifies, as long as it enables direct, contemporaneous interaction. This change aligns licensing standards with modern telehealth practices while maintaining the same hour requirements and supervision ratios. The bill does not alter the total hours needed or the qualifications of supervisors.
HB 6072 requires hospital boards in Michigan to follow the existing Hospital Financial Assistance Act when deciding how to provide financial help to patients. This change ensures that the rules for determining who qualifies for charity care and setting fees are consistent with state standards rather than being set solely by individual hospital boards. The bill only becomes active if a companion bill, HB 6071, is also passed into law. It directly affects public hospital trustees and the patients they serve by standardizing assistance policies.
This bill establishes the Hospital Financial Assistance Act, which requires hospitals in Michigan to create and enforce financial aid programs for patients by January 1, 2027. The law mandates that these programs use federal poverty guidelines to determine eligibility, offering up to a full discount on medical bills for uninsured individuals earning at or below 350% of the poverty line. Hospitals must also publish clear information about these programs on their websites and in billing statements, and they are required to submit annual reports detailing the number of applications and the amount of debt forgiven or collected. To ensure compliance, the state Department of Health and Human Services will oversee the process, investigate complaints, and impose civil fines of up to $10,000 on hospitals that fail to follow the new rules.
This bill, known as the Medical Debt Act, prohibits consumer reporting agencies from including medical debt in credit reports and bars creditors from reporting such debts to these agencies. It also prevents lenders from using unpaid medical bills as a negative factor when making credit decisions, with the exception of large mortgage loans exceeding federal limits. Additionally, the law restricts collection agencies from falsely claiming that medical debt will be reported on a consumer's credit file. These measures aim to protect individuals from having their medical financial obligations negatively impact their creditworthiness and future borrowing opportunities.
HB 5255, the "Medical Debt Protection Act," limits how medical debt can be collected in Michigan, directly affecting patients with medical debt and large healthcare providers (with $20 million+ annual revenue) or medical debt buyers. It prohibits charging interest or late fees for 90 days after a bill is due and caps annual interest at 3% on medical debt. The bill bans aggressive collection tactics like wage garnishment for patients qualifying for financial assistance under a healthcare facility's policy, and requires medical debt buyers to follow strict rules, including not using prohibited collection actions and returning debt if a patient qualifies for financial aid.
House Bill 4466 proposes to amend Michigan's Public Health Code. The bill seeks to establish sanctions for licensed healthcare professionals who perform gender reassignment procedures or provide related treatment to minors. It would modify sections 16221 and 16226 of the code, which pertain to professional licensing and disciplinary actions. This legislation directly affects healthcare providers and minors in Michigan by regulating the types of medical services that can be offered.
