Insurance: health insurers; prohibition on denying or conditioning coverage of a Medicare supplement policy; expand. Amends sec. 3829 of 1956 PA 218 (MCL 500.3829).

This bill amends Michigan law to prevent health insurers from denying or conditioning Medicare supplement insurance coverage based on an applicant's health status, pre-existing conditions, or medical history. It directly affects individuals aged 65+ during their initial Medicare Part B enrollment window, non-age-eligible applicants with specific Medicare enrollment timing, and those switching insurers while maintaining the same policy. Key provisions require insurers to offer these policies without health-based exclusions or higher pricing (capping rates at those for 65-year-olds), and to reduce pre-existing condition waiting periods based on prior continuous health coverage. The law ensures equal access to Medicare supplement plans during defined enrollment periods while clarifying what counts as qualifying prior coverage.