Bill > SB1111

This bill amends sections of the Insurance Code of 1956 to modify compliance with the Affordable Care Act (ACA) coverage requirements for health insurers in Michigan. Key provisions include: 1. Requiring health insurers to offer dependent coverage until the dependent reaches age 26, provide the same benefits and premium rates to dependent children as other covered dependents, and cover newborn children from the moment of birth. 2. Prohibiting health insurers from imposing lifetime or annual dollar limits on essential health benefits, with exceptions for grandfathered health plans, retiree-only coverage, and short-term/limited duration policies. 3. Mandating that health insurers in the individual or small group market cover essential health benefits, including ambulatory services, emergency care, hospitalization, maternity and newborn care, mental health and substance use disorder services, prescription drugs, rehabilitative and habilitative services, and preventive and wellness services. 4. Prohibiting health insurers from imposing preexisting condition exclusions, with exceptions for certain types of limited benefit policies and non-grandfathered health plan coverage. The bill aims to ensure health insurers in Michigan comply with the coverage requirements established under the ACA, while providing some flexibility for certain types of insurance policies.

Government Affairs, Health and Social Services

https://legislature.mi.gov/Bills/Bill?ObjectName=2024-SB-1111