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.