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.
This bill establishes the Commodities and Emergency Services and Supplies Pricing Protection Act to stop businesses from raising prices unfairly during a declared state of emergency. It specifically targets sales of building materials, food, emergency supplies, medical items, and general goods, defining an illegal price hike as an increase of more than 20% compared to pre-emergency rates unless the seller can prove higher costs. The law prohibits charging or offering these items at excessively high prices and grants prosecutors the power to investigate violations by demanding documents and testimony from suspected violators.
SB 1011 creates a new state-regulated program called a small business health pool to offer health coverage to Michigan employers with fewer than 500 employees and eligible self-employed individuals. This initiative requires these businesses to join a nonprofit sponsoring association that meets specific financial and operational standards, ensuring the group is stable and has a legitimate business purpose beyond just providing insurance. The bill establishes rules for how these pools operate, allowing them to be fully insured, level-funded, or self-funded while mandating that they cover essential health benefits and cannot discriminate based on health status or claims history. Additionally, the legislation creates a state-funded reinsurance program to reimburse 60% of catastrophic claims between $75,000 and $250,000 per person to help stabilize premiums. The Department of Insurance will oversee the program by reviewing financial solvency and compliance, but it will not approve insurance rates except for fully insured products.
SB 451 prohibits consumer reporting agencies in Michigan from including medical debt in credit reports, protecting residents from negative credit impacts due to unpaid medical bills. The law requires collection agencies to disclose this restriction in writing to consumers and forbids them from claiming medical debt will appear on credit reports unless the debt relates to a mortgage exceeding the federal conforming loan limit ($766,550 for 2024). It directly affects consumers who receive medical care but have unpaid bills, as their credit scores will no longer be harmed by such debt. The law also provides legal remedies, including damages and attorney fees, for violations.
SB 707 amends Michigan's licensing rules for marriage and family therapists. It updates educational requirements (e.g., specific coursework in family studies and therapy methodology), increases supervised clinical experience standards (300 direct client hours with 1:5 supervision ratio), and adds a "limited license" pathway for trainees. The bill restricts titles like "marriage counselor" or "family therapist" to only licensed professionals, preventing unlicensed individuals from using these terms. It directly affects therapists seeking or renewing licenses, training programs, and the public who rely on qualified providers for these services.
SB 760, the "Leading Ethical AI Development for Kids Act," prohibits operators of companion chatbots from making these AI systems available to minors (under 18) if they could encourage self-harm, unsafe behavior, or harmful interactions like sexual content. The bill specifically bans chatbots that simulate emotional relationships by retaining personal data, asking unsolicited emotional questions, or prioritizing user validation over safety. Operators face $25,000 fines per violation and can be sued by harmed minors or their guardians for damages. This applies to business-owned chatbots designed for ongoing emotional engagement - not customer service or internal tools - and takes effect in 2027.
Senate Bill 297 aims to protect registered professional nurses by ensuring their refusal to work beyond their predetermined schedule is not grounds for administrative action. It also establishes penalties for hospitals that violate rules related to mandatory overtime for nurses, as referenced in section 21526. Hospitals found in violation could face an administrative fine of $1,000 for each instance, along with other potential sanctions. This bill amends the Public Health Code to implement these provisions, directly affecting nurses and hospitals.
Senate Bill 296 prohibits hospitals from requiring registered professional nurses to work beyond their regularly scheduled, on-call, or voluntarily agreed-upon hours. It mandates that nurses working 12 or more consecutive hours receive 8 consecutive hours of off-duty time immediately afterward. Exceptions to this prohibition include declared states of emergency, mass casualty incidents, certain patient-care procedures, and situations where an oncoming nurse is unexpectedly absent. The bill also protects nurses from retaliation if they refuse work assignments that exceed these limits and requires hospitals to post notices informing nurses of these provisions.
HB 5455 enacts Michigan's participation in the Interstate Medical Licensure Compact, allowing physicians licensed in participating states to more easily obtain licenses in Michigan and other member states. This directly affects physicians seeking to practice across state lines, particularly through telehealth or in rural areas with healthcare shortages. The bill establishes a streamlined "expedited license" process for eligible physicians who meet specific criteria (like holding a full license in another member state and having no disciplinary history), while requiring physicians to follow the licensing rules of the state where the patient is located during care. It does not change Michigan's existing medical practice laws but creates a new pathway for multi-state licensure through a standardized compact process.
SB 398 modifies requirements for substance use disorder treatment programs in Michigan and prohibits state agencies from creating new rules about these services. It directly affects treatment providers and the state health department (DHHS) by changing existing standards for program operations and blocking future rulemaking on specific service requirements. Key provisions include updating program eligibility rules under MCL 333.6230 and banning the development of new rules under MCL 333.6234. The bill aims to streamline program standards while preventing additional regulatory burdens on treatment providers.
