Healthcare (Insurance)

in committee · Michigan · House Jun 26, 2025

HB 4684: Insurance: health insurers; pain management service plan; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ww.

HB 4684 requires Michigan health insurers to create and submit a plan ensuring coverage for a broad range of pain management services, including nonopioid medications and nonmedication alternatives to opioids. The plan must be filed with the state insurance department for approval, which will review whether the plan adequately covers alternatives to opioids without unduly favoring opioid prescriptions. Insurers must also distribute educational materials to network providers and post the plan on their public website. This bill directly affects all health insurers operating in Michigan who issue, deliver, or renew health insurance policies in the state.

Topics ✓ HealthcareSupports HealthcareRequires insurers to cover nonopioid pain management alternatives, expanding patient access to safer treatments and reducing opioid dependency through mandated coverage plans.95% confidence

Sub-Topics Insurance Substance Abuse

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in committee · Michigan · House Nov 5, 2025

HB 5199: Insurance: health insurers; age eligibility for coverage for annual breast cancer mammography examination; lower. Amends sec. 3406d of 1956 PA 218 (MCL 500.3406d).

HB 5199 lowers the minimum age for insurance coverage of annual breast cancer mammograms in Michigan. It would require health insurers to cover annual mammograms for women starting at a lower age than the current 35-year threshold (while maintaining the existing requirement for annual coverage for women 40 and older). The bill preserves current mandates for insurers to cover breast cancer diagnostic, outpatient treatment, and rehabilitative services without less favorable terms than general physical illness coverage. This applies to all health insurance policies delivered, issued, or renewed in Michigan.

Topics ✓ HealthcareSupports HealthcareLowers age threshold for mammogram coverage, expanding preventive care access for younger women without reducing existing benefits.95% confidence

Sub-Topics Insurance

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in committee · Michigan · Senate Mar 13, 2025

SB 149: Public employees and officers: compensation and benefits; regional airport authorities; include in the publicly funded health insurance contribution act. Amends sec. 2 of 2011 PA 152 (MCL 15.562).

SB 149 amends Michigan's Publicly Funded Health Insurance Contribution Act to update the definition of "public employer" to explicitly include regional airport authorities (as defined in the aeronautics code) and community colleges. This change requires these entities to contribute to the state's health insurance fund for their employees, as previously required of other public employers like school districts. The bill does not alter health benefits or costs but clarifies which organizations must comply with the act's contribution rules. It directly affects public employers such as community colleges, regional airport authorities, and other newly included entities.

Topics ✓ HealthcareSupports HealthcareRequires regional airports and community colleges to contribute to public health insurance fund, expanding coverage scope without altering benefits or costs.90% confidence ✓ Labor & EmploymentSupports Labor & EmploymentExpands health insurance contribution requirements to include regional airports and community colleges, extending existing public employee benefits coverage to more workers without altering benefits or costs.85% confidence

Sub-Topics Insurance

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in committee · Michigan · House Mar 19, 2025

HB 4243: Public employees and officers: compensation and benefits; regional airport authorities; include in the publicly funded health insurance contribution act. Amends sec. 2 of 2011 PA 152 (MCL 15.562).

HB 4243 amends Michigan's Publicly Funded Health Insurance Contribution Act to include regional airport authorities as covered public employers under the law. This means employees of regional airport authorities (such as those managing airports across the state) will now be subject to the same health insurance contribution rules as other public employees, like state workers or school district staff. The bill clarifies that these authorities must contribute to health insurance costs for their employees, following the same framework as other public employers defined in the existing law. It does not create new benefits but ensures airport authorities comply with the same health insurance contribution requirements as other public entities.

Topics ✓ HealthcareSupports HealthcareExtends health insurance contribution requirements to airport authority employees, expanding coverage under existing public employee health benefits framework per MCL 15.562.95% confidence ✓ Labor & EmploymentSupports Labor & EmploymentExtends health insurance contribution requirements to airport authority employees, aligning them with other public workers and strengthening their benefits under existing law.92% confidence

Sub-Topics Insurance

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passed · Michigan · Senate Apr 17, 2025

SB 135: Insurance: health insurers; compliance with affordable care act coverage; modify. Amends secs. 3403, 3406z, 3406bb & 3406ii of 1956 PA 218 (MCL 500.3403 et seq.).

SB 135 requires Michigan health insurers to provide dependent coverage until age 26, with identical benefits and premiums as other dependents. It mandates coverage for newborns from birth, including treatment for congenital defects, and prohibits denying coverage based on factors like out-of-wedlock birth or tax filing status. The bill also bans lifetime and annual dollar limits on essential health benefits (such as hospital care, maternity services, mental health, and prescription drugs) and requires no cost-sharing for preventive services meeting federal guidelines. These changes apply to individual and small group health insurance policies sold in Michigan, directly affecting insurers and their policyholders.

Topics ✓ HealthcareSupports HealthcareRequires dependent coverage until 26, mandates newborn coverage, prohibits coverage denial, bans lifetime/annual limits on essential benefits like mental health and prescriptions.95% confidence

Sub-Topics Hospitals Insurance

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passed both · Michigan · House Jun 10, 2025

HB 4464: Insurance: health insurers; compliance with affordable care act coverage; modify. Amends secs. 3403, 3406z, 3406bb, 3406hh & 3406ii of 1956 PA 218 (MCL 500.3403 et seq.).

HB 4464 requires Michigan health insurers to provide dependent coverage until age 26 without discrimination based on a child's birth status, tax filing, or residence. It mandates coverage for newborns from birth (including congenital defects) and prohibits lifetime or annual dollar limits on essential health benefits like emergency care, hospitalization, and maternity services. The bill also requires insurers to cover specific preventive services - such as evidence-based screenings and immunizations recommended by federal guidelines - without cost-sharing for eligible patients. These requirements apply to most individual and small group health insurance plans in Michigan, excluding grandfathered plans, retiree coverage, and short-term policies.

Topics ✓ HealthcareSupports HealthcareMandates dependent coverage until 26, newborn coverage, preventive services, and prohibits lifetime/annual limits on essential benefits, expanding access and protections in health insurance.95% confidence ✓ ImmigrationSupports ImmigrationProhibits health insurance discrimination based on birth status, protecting immigrant children from coverage denial due to immigration status.80% confidence ✓ Labor & EmploymentSupports Labor & EmploymentExpands worker benefits by mandating dependent coverage until 26, newborn coverage, and prohibiting lifetime limits on essential services like maternity care.85% confidence

Sub-Topics Insurance

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in committee · Michigan · Senate Jun 10, 2025

SB 371: Insurance: health insurers; limitations on duration of inpatient psychiatric admissions; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406mm.

SB 371 prohibits Michigan health insurers from limiting coverage for inpatient psychiatric care based on the length of a patient's stay. This directly affects health insurers operating in Michigan and individuals receiving inpatient psychiatric treatment. The bill amends Michigan's Insurance Code to add a new provision (Sec. 3406mm) that explicitly bans insurers from imposing duration-based restrictions on such coverage. The key mechanism is a clear prohibition on using time limits as a basis for denying or restricting psychiatric inpatient care coverage. This represents a concrete policy change to ensure continuous coverage for patients needing extended psychiatric hospitalization.

Topics ✓ HealthcareSupports HealthcareProhibits insurers from limiting inpatient psychiatric coverage by stay duration, directly protecting patient access to necessary mental health care without arbitrary restrictions.95% confidence

Sub-Topics Hospitals Insurance Mental Health

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in committee · Michigan · House Jun 26, 2025

HB 4683: Insurance: health insurers; prior authorization requirements for mental health and substance use disorder; modify. Amends sec. 3425 of 1956 PA 218 (MCL 500.3425).

HB 4683 requires Michigan health insurers to cover medically necessary mental health and substance use disorder treatments (including inpatient, intermediate, and outpatient care) without restrictive prior authorization practices. It mandates that insurers use clinical review criteria aligned with generally accepted medical standards, rather than arbitrary rules, when evaluating these services. The bill also prohibits insurers from making mental health coverage terms less favorable than those for other medical treatments. This directly affects health insurers operating in Michigan and patients seeking mental health or substance use disorder care through their insurance plans.

Topics ✓ HealthcareSupports HealthcareRequires insurers to cover mental health/substance use treatments without restrictive prior authorization, mandates clinical review aligned with medical standards, and prohibits less favorable terms for mental health coverage.95% confidence

Sub-Topics Insurance Mental Health Substance Abuse

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in committee · Michigan · House Jul 22, 2025

HB 4740: Insurance: health insurers; required coverage for autism spectrum disorders; modify. Amends sec. 3406s of 1956 PA 218 (MCL 500.3406s).

HB 4740 requires health insurance plans sold in Michigan to cover diagnosis and treatment for autism spectrum disorders (ASD), directly affecting insured individuals with ASD and their families. It mandates coverage for behavioral health treatments like applied behavior analysis, with age-based annual limits: $50,000 for children under 6, $40,000 for ages 7-12, and $30,000 for ages 13-18. Insurers cannot deny coverage based on an ASD diagnosis, limit treatment visits, or apply stricter cost-sharing than for physical illnesses (though annual caps apply). The bill also allows insurers to request periodic diagnostic reviews (e.g., autism diagnostic observation schedule every 3 years) and annual development evaluations.

Topics ✓ HealthcareSupports HealthcareMandates autism treatment coverage, prevents denial based on diagnosis, and sets annual limits to expand access to behavioral health services for ASD patients.95% confidence

Sub-Topics Insurance

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passed · Michigan · Senate Apr 17, 2025

SB 37: Insurance: health insurers; coverage for gynecological and perinatal services; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406cc.

SB 37 requires Michigan health insurers to cover gynecological and perinatal care services provided by in-network physicians, certified nurse midwives, or midwives at in-network facilities or at home. This applies to any health insurance policy that already includes coverage for these services. The bill defines key terms like "certified nurse midwife" and "midwife" to clarify which providers and settings qualify for the required coverage. The policy change ensures patients using in-network providers for these services have access without gaps in coverage.

Topics ✓ HealthcareSupports HealthcareMandates insurer coverage for gynecological/perinatal services, expanding access to essential care without restricting benefits or coverage.92% confidence

Sub-Topics Healthcare Workforce Insurance Women's Health

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