Insurance: health benefits; application of amount paid by the insured or other certain parties when calculating the insured’s co-pay for a prescription drug; require under certain conditions. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406nn.

This bill requires health insurance plans in Michigan to count payments made by patients or on their behalf toward meeting out-of-pocket maximums and cost-sharing limits for prescription drugs. It applies to both standard plans and high-deductible health plans, though it includes a specific rule for high-deductible plans to ensure compliance with federal health savings account regulations. The law takes effect for policies delivered, issued, or renewed after December 31, 2025, and explicitly defers to federal law if any conflict arises.