This bill amends the Michigan Insurance Code of 1956 by updating several sections related to health insurance policies. Key provisions include the requirement for insurers to offer 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 factors such as the child's birth status or residency. 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 enhance health insurance protections and access for Michigan residents.

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