Bill > SB0135

This bill modifies several sections of Michigan's insurance code to align with the Affordable Care Act (ACA) coverage requirements, focusing on health insurance policies across various market segments. The bill makes several key provisions, including requiring insurers to provide dependent coverage until a child reaches 26 years old, prohibiting lifetime and annual dollar limits on essential health benefits, and mandating coverage for a comprehensive set of health services such as ambulatory patient services, emergency services, hospitalization, mental health treatment, prescription drugs, and preventive care. The bill also ensures that insurers cannot deny coverage based on preexisting conditions and must provide mental health and substance use disorder services with the same level of financial requirements and treatment limitations as medical/surgical benefits. Additionally, the bill introduces new definitions and exemptions, notably creating specific carve-outs for retiree-only health insurance coverage and short-term limited duration policies. The modifications aim to standardize health insurance coverage, protect consumers, and ensure more comprehensive and equitable access to healthcare services across different types of health insurance plans in Michigan.

Health and Social Services

https://legislature.mi.gov/Bills/Bill?ObjectName=2025-SB-0135