Healthcare (Insurance)

in committee · Michigan · House Apr 22, 2026

HB 5828: Insurance: health insurers; invoking suicide clauses in insurance policies; prohibit if in compliance with death with dignity act. Amends secs. 3905 & 4037 of 1956 PA 218 (MCL 500.3905 & 500.4037) & adds secs. 3406rr. TIE BAR WITH: HB 5825'26

HB 5828 prohibits health insurers in Michigan from denying or limiting coverage for individuals who intend to end their lives in accordance with the state's Death with Dignity Act. The bill amends existing insurance code sections to ensure that suicide clauses in long-term care and universal life policies do not apply to deaths resulting from this specific medical aid-in-dying process. By adding a new section to the insurance code, the legislation clarifies that ending one's life under the Death with Dignity Act is not considered a suicide for the purposes of insurance exclusions.

Topics ✓ HealthcareSupports HealthcareBill protects patient rights by preventing insurers from denying coverage for aid-in-dying procedures, ensuring access to legal medical choices.95% confidence

Sub-Topics Insurance Long-Term Care

Track

passed · Michigan · Senate Jun 18, 2026

SB 974: Insurance: health insurers; updated references to reflect the enactment of the Michigan health insurance exchange act; provide for. Amends secs. 1261, 1262, 1262a & 1264 of 1956 PA 218 (MCL 500.1261 et seq.). TIE BAR WITH: SB 0973'26

SB 974 updates Michigan's insurance code to align with the state's health insurance exchange by clarifying definitions for roles such as navigators and certified application counselors. The bill establishes strict rules requiring these individuals to be state-certified before they can receive funding or assist consumers with health plan enrollment. It explicitly prohibits them from selling insurance or recommending specific plans, ensuring they provide only impartial information about available coverage options. Additionally, the legislation mandates that the state director implement a certification program including background checks and privacy training to protect consumer data.

Topics ✓ HealthcareSupports HealthcareBill strengthens the health insurance exchange by establishing certification rules for navigators, ensuring impartial consumer assistance and protecting patient rights during enrollment.85% confidence

Sub-Topics Insurance

Track

in committee · Michigan · Senate Apr 23, 2026

SB 922: Insurance: health insurers; coverage for the treatment of infertility; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406cc.

This bill requires health insurers in Michigan to cover infertility treatments starting in 2027, affecting all individuals with health insurance policies issued or renewed in the state. The legislation mandates comprehensive coverage for diagnostic care, fertility treatments, and preservation services, including at least four complete egg retrievals with unlimited embryo transfers and costs associated with transferring embryos to a third party. Insurers must provide these benefits without discrimination based on various personal characteristics and cannot impose higher deductibles, waiting periods, or preexisting condition exclusions specifically for infertility services. The law defines infertility broadly to include conditions impacting pregnancy ability and situations where individuals lack the necessary gametes, while also clarifying that coverage applies regardless of whether donor gametes are used or if a surrogate is involved.

Topics ✓ HealthcareSupports HealthcareBill mandates health insurers to cover infertility treatments, expanding access to reproductive healthcare services.95% confidence

Sub-Topics Insurance

Track

passed · Michigan · Senate Jun 18, 2026

SB 975: Insurance: health benefits; certification for qualified health plan and qualified dental plan; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406mm. TIE BAR WITH: SB 0973'26

This bill directs the state insurance director to work with the Michigan health insurance exchange to officially certify qualified health and dental plans. It requires the director to create specific rules for this certification process while maintaining the authority to regulate insurance businesses and exempt these plans from certain laws. The legislation defines qualified plans using existing terms from the Michigan health insurance exchange act and includes a provision that it only takes effect if a related companion bill is also passed.

Topics ✓ HealthcareSupports HealthcareBill establishes certification for qualified health and dental plans, strengthening the regulatory framework to ensure valid coverage options.85% confidence

Sub-Topics Insurance

Track

passed · Michigan · Senate Jun 18, 2026

SB 976: Insurance: health insurers; health insurance policy; include provision related to Michigan health insurance exchange act. Amends sec. 2212a of 1956 PA 218 (MCL 500.2212a). TIE BAR WITH: SB 0973'26

This bill amends Michigan's insurance code to require health insurers to provide consumers with a plain English summary of their policies and detailed information upon request. The legislation mandates that these summaries clearly explain coverage benefits, costs, exceptions, and renewal terms, while also ensuring policies are printed in a readable font size without highlighting specific text. Additionally, the bill requires insurers to disclose provider network details, professional credentials, and financial arrangements when asked, and it sets specific deadlines for delivering this information to applicants and policyholders.

Topics ✓ HealthcareSupports HealthcareBill enhances consumer protection by requiring clear policy summaries and network disclosures, improving patient access and understanding of healthcare benefits.90% confidence

Sub-Topics Insurance

Track

passed · Michigan · Senate Jun 18, 2026

SB 977: Insurance: reinsurance; innovative waiver for a reinsurance program; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406nn. TIE BAR WITH: SB 0973'26

This bill directs Michigan's department of insurance to request federal permission to create a state-run reinsurance program that helps stabilize health insurance markets. If approved, the program would allow insurers to recover some costs for high-risk patients, potentially lowering premiums and expanding coverage options. The legislation requires the department to share draft plans with the public and lawmakers before submitting a final application to the federal government. Implementation of the program depends on the successful approval of a companion bill, SB 0973, which must also be enacted for this measure to take effect.

Topics ✓ HealthcareSupports HealthcareBill creates a reinsurance program to stabilize markets, lower premiums, and expand coverage options for high-risk patients.85% confidence

Sub-Topics Insurance

Track

in committee · Michigan · House Apr 29, 2026

HB 5904: Insurance: health insurers; coverage for the treatment of infertility; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406cc.

This bill requires health insurance companies in Michigan to cover infertility treatments starting January 1, 2027. It mandates coverage for diagnostic care, fertility treatments, and preservation services, including up to four complete egg retrievals with unlimited embryo transfers. The law prohibits insurers from imposing different deductibles, waiting periods, or limits on infertility benefits compared to other medical services, and it ensures coverage regardless of the patient's age, gender identity, or use of donor gametes or surrogates.

Topics ✓ HealthcareSupports HealthcareBill mandates health insurers to cover infertility treatments, expanding access and protecting patient rights to reproductive healthcare services.95% confidence

Sub-Topics Insurance

Track

passed · Michigan · Senate Jun 18, 2026

SB 973: Insurance: health insurers; state-based insurance exchange; provide for. Creates new act. TIE BAR WITH: SB 0977'26

This bill establishes a new nonprofit corporation to operate Michigan's state-based health insurance exchange, which will serve as a marketplace for consumers and small businesses to purchase qualified health plans. The legislation creates a 12-member board to govern the exchange, with members appointed from the insurance industry, consumer advocates, and public officials to oversee its operations. Key provisions include setting up rules for conflict of interest, defining roles for state agencies, and enabling a system for direct enrollment assistance to help consumers navigate the marketplace.

Topics ✓ HealthcareSupports HealthcareBill establishes a state-based health insurance exchange to expand access to qualified health plans for consumers and small businesses.90% confidence

Sub-Topics Insurance

Track

in committee · Michigan · Senate Mar 26, 2026

SB 893: Insurance: insurers; insurance providers to panel a mental health provider within a certain time period of application process; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406mm.

This bill requires health insurance companies in Michigan to review and decide on new mental health provider applications within 60 calendar days of receiving a complete application, or within 45 days if an extension is granted for complex cases like license sanctions. If an insurer fails to approve or deny an application within the required timeframe, the provider must still be reimbursed for covered services submitted after the deadline, using either the insurer's standard in-network rate or the median rate paid to similar providers. The law also mandates that insurers send written requests for missing information within 10 business days and add approved providers to their payment systems and directories promptly. These rules apply to all licensed mental health professionals, including physicians, psychologists, social workers, and therapists, and cover both initial applications and recredentialing.

Topics ✓ HealthcareSupports HealthcareBill mandates timely review of mental health provider applications, improving access to mental health services and protecting provider rights.90% confidence

Sub-Topics Insurance Mental Health

Track

in committee · Michigan · House Feb 10, 2026

HB 5513: Insurance: health insurers; procedures and timelines for the credentialing of healthcare providers; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406vv. TIE BAR WITH: HB 5512'26

HB 5513 requires Michigan's insurance department to create a standardized application process for health insurers to verify healthcare providers' qualifications (credentialing). This directly affects health insurers operating in Michigan and the healthcare providers seeking to be listed on insurance provider networks. The bill establishes a uniform application form under Section 3406uu of the Insurance Code and clarifies that insurers aren't required to violate nationally recognized credentialing standards. The bill is tied to the enactment of related legislation (HB 5512) to take effect.

Topics ✓ HealthcareSupports HealthcareStandardizes provider credentialing for insurers, creating uniform process to improve efficiency and ensure adherence to nationally recognized standards, enhancing patient access to qualified providers.90% confidence

Sub-Topics Insurance Medical Licensing

Track