Insurance

This bill prohibits insurance companies in Michigan from using price optimization techniques when setting rates. It defines price optimization as adjusting premiums based on factors unrelated to risk, such as a customer's willingness to pay or their likelihood of switching providers. The law also bans insurers from penalizing customers for shopping around, canceling policies early, or complaining about their coverage. By outlawing these practices, the bill aims to ensure that insurance rates are determined solely by the risk of loss or expense rather than a consumer's financial behavior.

SB 133 allows insurance producers who belong to a professional insurance association to carry over unused continuing education credits to the next licensing period. This change directly affects licensed insurance producers in Michigan who are members of qualifying associations. The bill amends existing law to create a formal system for rolling over credits, reducing the need to complete full education requirements each year. This policy simplifies compliance for producers by enabling credit carryover, without altering core licensing standards.

SB 105 requires health plans and nonprofit dental corporations providing dental benefits to offer payment methods that deliver 100% of the payable amount to dentists without charging the dentist a fee to access payment (excluding fees from the dentist's financial institution). Dentists who choose to opt out of a payment method must maintain that choice until they opt back in or sign a new contract. This bill directly affects dentists and dental benefit providers in Michigan, applying to policies delivered, issued, or renewed after the law's effective date. It mandates specific reimbursement structures to reduce financial barriers for dental providers.

SB 415 requires Michigan's medical assistance program to cover group prenatal care services beginning on the bill's effective date. This directly affects pregnant individuals enrolled in Michigan's medical assistance program (like Medicaid) by mandating coverage for a specific type of care. The bill defines "group prenatal care services" as evidence-based, group-based visits that include health assessments, social support, education, and peer interaction in a family-centered setting. These services aim to support pregnant people through shared experiences and structured care, extending into early childhood.

This bill requires health insurance plans in Michigan to count payments made by patients or on their behalf toward out-of-pocket maximums and cost-sharing requirements for prescription drugs. The rule applies to both standard plans and high-deductible plans, with a specific exception for high-deductible plans where counting such payments would disqualify a patient's health savings account. The legislation takes effect for policies delivered, issued, or renewed in the state after December 31, 2025.