Bill > HB4464

This bill amends Michigan's insurance code to modify several provisions related to health insurance coverage, primarily focusing on aligning state regulations with the Affordable Care Act (ACA). The bill clarifies and updates rules for health insurers in several key areas: dependent coverage, essential health benefits, mental health parity, and preexisting condition exclusions. Specifically, the bill adds provisions to exclude retiree-only health insurance coverage from certain requirements, expands definitions of health plan types like non-grandfathered health plans, and ensures that health insurers cannot impose lifetime or annual dollar limits on essential health benefits. The legislation maintains protections for dependents, requiring insurers to offer coverage for children up to age 26 and prohibiting discrimination based on factors like whether a child was born out of wedlock or lives with the insured. The bill also reinforces mental health parity rules, ensuring that mental health and substance use disorder benefits are subject to the same financial requirements and treatment limitations as medical and surgical benefits. Additionally, the bill continues to prohibit insurers from excluding coverage or imposing limitations based on preexisting conditions, with specific exemptions for certain types of limited benefit insurance plans.

Business and Industry, Health and Social Services

https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-4464