Insurance: health insurers; organ transplant coverage; prohibit if the organ is from a country known for organ harvesting. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ww.

HB 5406 would prohibit Michigan health insurers from covering organ transplants if the procedure occurs in China or another country designated by the Michigan Department of Health and Human Services as engaging in forced organ harvesting, or if the organ originated from such a country. It applies to all health insurance policies issued or renewed in Michigan and requires the health department director to designate which countries fall under this prohibition. The bill defines "forced organ harvesting" as organ removal through coercion, abduction, deception, or abuse of power. This policy change would directly affect patients seeking transplants involving organs from designated countries and insurers offering coverage for such procedures.