The bill amends the Michigan Insurance Code of 1956, specifically sections 3403, 3406z, 3406bb, 3406hh, and 3406ii, to enhance health insurance coverage provisions. Key insertions include the requirement for insurers to provide dependent coverage until the dependent reaches 26 years of age, ensuring that coverage for newly born children is effective from birth and includes necessary care for congenital defects. Additionally, the bill prohibits insurers from denying enrollment for a child based on various grounds, such as being born out of wedlock or not residing with the insured. It also clarifies that these provisions do not apply to retiree-only health insurance coverage.

Further amendments include the prohibition of lifetime and annual limits on essential health benefits, while allowing for limits on non-essential benefits as permitted by law. The bill mandates comprehensive coverage for various health services, including mental health and substance use disorder services, ensuring parity in treatment limitations between mental health and medical/surgical benefits. It also eliminates preexisting condition exclusions for individuals, with specific exceptions for certain types of insurance coverage. Overall, the bill aims to strengthen health insurance protections and access for individuals and families in Michigan.

Statutes affected:
House Introduced Bill: 500.3403
As Passed by the House: 500.3403