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.).
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Progress
Where this bill stands in the legislative process.
- Introduced
- Passed Senate
- Passed House
- To Governor
- Became Law
Overview
This bill modifies Michigan’s insurance laws to align more closely with the Affordable Care Act (ACA). It ensures that health insurers offer dependent coverage until age 26, provide the same benefits to dependent children as other covered dependents, and cover specific essential health benefits like mental health services and preventive care. The bill also prohibits lifetime and annual limits on essential health benefits and prevents insurers from denying coverage based on a person’s pre-existing health conditions, with some exceptions.
Key provisions
- Requires insurers to offer dependent coverage until age 26.
- Guarantees equal benefits for dependent children.
- Prohibits lifetime and annual limits on essential health benefit coverage.
- Mandates coverage for a comprehensive set of essential health benefits, including mental health and preventive care.
- Bans denial of coverage based on pre-existing conditions (with exceptions).
- Specifies coverage requirements for pediatric services, including oral and vision care.
- Addresses coverage for items and services recommended by the US Preventive Services Task Force and the Centers for Disease Control Prevention.
- Clarifies rules regarding out-of-network provider coverage and cost-sharing.
Who is affected
- Health insurers
- Policyholders
- Insured individuals
- Dependent children
- Individuals seeking health insurance coverage
Bill text
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Document of record
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- Senate Introduced Bill
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