Insurance: health insurers; health care benefits that require certain deductibles or copays; provide for certain restrictions. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406nn.

This bill restricts health insurance companies in Michigan from covering medical services where the patient's share of the cost, such as copayments or coinsurance, exceeds 50% of the total service price. It directly affects health insurers and the individuals enrolled in their plans by setting a clear limit on how much patients can be charged out-of-pocket for covered benefits. The legislation requires the state insurance director to handle any complaints related to violations of this new rule. Changes made by the bill apply only to new insurance policies or to existing policies when they are renewed or modified after the law takes effect.