Sen. Mary Cavanagh

Maddy summaryThis bill directs Michigan's department of insurance to request federal permission to create a state-run reinsurance program that helps stabilize health insurance markets. If approved, the program would allow insurers to recover some costs for high-risk patients, potentially lowering premiums and expanding coverage options. The legislation requires the department to share draft plans with the public and lawmakers before submitting a final application to the federal government. Implementation of the program depends on the successful approval of a companion bill, SB 0973, which must also be enacted for this measure to take effect.

Maddy summaryThis bill establishes a new nonprofit corporation to operate Michigan's state-based health insurance exchange, which will serve as a marketplace for consumers and small businesses to purchase qualified health plans. The legislation creates a 12-member board to govern the exchange, with members appointed from the insurance industry, consumer advocates, and public officials to oversee its operations. Key provisions include setting up rules for conflict of interest, defining roles for state agencies, and enabling a system for direct enrollment assistance to help consumers navigate the marketplace.

Maddy summarySB 328 requires auto insurers in Michigan to reduce premiums by 10% for new policies or the first renewal after the law takes effect. This applies to all policies issued or renewed under the specified conditions, directly affecting policyholders and insurers. The bill explicitly prohibits insurers from lowering coverage options to offset this premium reduction. It mandates concrete changes to insurance pricing without altering policy terms or coverage requirements.

Maddy summarySB 808 creates the Secure Retirement Savings Board within Michigan's Department of Treasury to oversee a new retirement savings program. The board will have seven members, including the state treasurer as chair, two public experts appointed by the governor, and representatives from employers and enrollees. This bill establishes the board's structure and appointment process but does not take effect unless companion bill SB 807 is enacted. The summary focuses solely on the board's creation, as the bill is procedural rather than describing specific retirement program rules.

Maddy summarySB 807 creates the Michigan Secure Retirement Savings Program, requiring certain employers without existing retirement plans to automatically enroll eligible employees (ages 18+ with Michigan wages) in a payroll-deducted retirement savings plan. The program establishes a separate trust fund outside the state treasury for individual retirement accounts, meeting federal IRA standards, while employers must set up payroll deductions for participation. It also creates an administrative fund to cover program costs, funded by state allocations, grants, and other sources. The law mandates automatic enrollment (with opt-out options) for employees at qualifying employers, aiming to provide low-cost, portable retirement savings for workers who lack access to employer-sponsored plans.

Maddy summarySB 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.

Maddy summarySB 450 amends Michigan law to require public hospital boards to follow the Hospital Financial Assistance Act when setting patient payment policies for non-charity care. It directly affects county public hospitals by making their financial assistance policies subject to existing state standards under the Hospital Financial Assistance Act. The bill updates Section 17 of the 1913 Public Act 350 to clarify that hospital trustees' authority over patient fees is governed by this act, ensuring consistent financial assistance rules across public hospitals.

Maddy summarySB 701 amends Section 3 of Michigan's Consumer Protection Act (MCL 445.903) to modify provisions related to unfair credit practices. The bill title indicates it aims to set a maximum interest rate for medical debt, but the provided bill text only shows the current language of Section 3 (which lists unfair trade practices like deceptive advertising, false representations, and misleading credit terms), not the proposed changes. The context does not include the specific amendment language or how it would alter the medical debt interest rate. Without the actual proposed text of the amendment, the precise policy change cannot be summarized. The bill is currently in committee for review.

Maddy summarySB 449 requires Michigan hospitals to create and implement financial assistance programs for uninsured patients and those with high medical debt relative to income. Specifically, hospitals must offer up to 100% discounts for patients earning at or below 350% of federal poverty guidelines, base eligibility on objective income metrics, and publish program details clearly on bills, statements, and websites in plain language. Hospitals must also report annual data on program usage and debt relief to the state health department by 2027, with violations subject to $10,000 civil fines. The law directly affects uninsured patients and hospital financial operations, aiming to reduce barriers to care for low-income individuals.

Maddy summaryThis bill requires local governments in Michigan to notify the Secretary of State within 20 days of making specific changes to election rules, such as altering how winners are determined or switching between district-based and at-large voting systems. It also mandates that localities inform the state at least 20 days before removing voters from registration lists and within five business days of requests to inspect voting equipment or ballot data. To ensure transparency, the Secretary of State must post these notifications on the state website in an accessible format and publicly list any local government that fails to comply with these reporting deadlines. These provisions are set to take effect on January 1, 2028, after a consultation period with county clerks, municipal clerks, and voting rights advocates.