Senate Committee on Finance, Insurance, and Consumer Protection

Wednesday, June 17, 2026       12:30 p.m.

AGENDA

SB 245
Sen. Irwin
Insurance: insurers; processing of a claim; modify duties.

SB 328
Sen. Irwin
Insurance: automobile; rate reductions; require.

SB 535
Sen. Singh
Consumer protection: unfair trade practices; disclosure of automatic renewal provisions in consumer contracts; require.

SB 536
Sen. Singh
Consumer protection: unfair trade practices; disclosure of automatic renewal provisions in consumer contracts; require.

SB 1026
Sen. Klinefelt
Financial institutions: credit unions; requirements for use of assumed names by credit unions; modify.

SB 1027
Sen. Cavanagh
Financial institutions: credit unions; requirements for amending the bylaws of credit unions; modify.

SB 1028
Sen. Wojno
Financial institutions: credit unions; minimum voting age of members; allow credit unions to set.

SB 1029
Sen. Daley
Financial institutions: credit unions; notice requirements for certain closures by credit unions; modify.

SB 1030
Sen. Hoitenga
Financial institutions: credit unions; notices to credit union members of certain mergers; modify requirements for.

And any other business properly before the committee.

Scheduled the 18th, cancelled the 20th.

You know they'll be back, because the fiscally-illiterate and freedom-deaf longing of leftists for state Obamacare never dies.

This bill package is a reintroduction of bills we posted in 2024.
https://mihealthfreedom.org/community/difs-leo/michigan-senate-passes-sb-633-package-creates-a-michigan-health-care-insurance-marketplace-managed-by-difs/

The only surprise is the final bill repealing emergency refills. What's up with that - moved to the exchange act instead?

Wednesday, May 20, 2026     12:30 p.m.

AGENDA

SB 973
Sen. Hertel
Insurance: health insurers; state-based insurance exchange; provide for.

SB 974
Sen. Santana
Insurance: health insurers; updated references to reflect the enactment of the Michigan health insurance exchange act; provide for.

SB 975
Sen. Geiss
Insurance: health benefits; certification for qualified health plan and qualified dental plan; provide for.

SB 976
Sen. Camilleri
Insurance: health insurers; health insurance policy; include provision related to Michigan health insurance exchange act.

SB 977
Sen. Camilleri
Insurance: reinsurance; innovative waiver for a reinsurance program; provide for.

SB 978
Sen. Klinefelt
Insurance: health insurers; coverage for emergency refill of prescription medication for up to a 30-day supply; repeal.

And any other business properly before the committee.

Of these measures, perhaps the most bizarre is the out of pocket medical expense which, no matter how necessary or legitimate, does not qualify toward the legally-required Out of Pocket (OOP) maximum.

This week a bill tackles this issue in the Senate Committee on Finance, Insurance, and Consumer Protection committee.

Wednesday, May 13, 2026     12:30 p.m.

AGENDA

SB 914
Sen. Chang
Insurance: health benefits; application of amount paid by the insured or other certain parties when calculating the insured’s co-pay for a prescription drug; require under certain conditions.

And any other business properly before the committee.

(a) Fertility diagnostic care.

(b) Fertility treatment.

(c) Standard fertility preservation services.

(d) At least 4 complete oocyte retrievals with unlimited embryo transfers from those oocyte retrievals or from any oocyte retrieval.

(e) The medical costs related to an embryo transfer to be made from or on behalf of an insured to a third party. However, the insured's coverage must not extend to any medical costs of a surrogate after the embryo transfer.

(f) Coverage regardless of whether donor gametes or embryos are used or if an embryo will be transferred to a surrogate.

Copays are expressly forbidden, so expect these expensive treatments to drive up your premiums if SB 922 passes.  SB 922 was referred to the Senate Committee on Finance, Insurance, and Consumer Protection:

https://www.legislature.mi.gov/documents/2025-2026/billintroduced/Senate/htm/2026-SIB-0922.htm

SENATE BILL NO. 922

April 23, 2026, Introduced by Senators CHANG, IRWIN, MCMORROW, BAYER, CAVANAGH, SINGH, MOSS, GEISS, CAMILLERI, POLEHANKI, KLINEFELT and CHERRY and referred to Committee on Finance, Insurance, and Consumer Protection. - Title: Intro, sponsors, and referral

A bill to amend 1956 PA 218, entitled

"The insurance code of 1956,"

(MCL 500.100 to 500.8302) by adding section 3406cc.

the people of the state of michigan enact:

Sec. 3406cc. (1) Beginning January 1, 2027, an insurer that delivers, issues for delivery, or renews in this state a health insurance policy shall provide coverage for the treatment of infertility, including all of the following:

(a) Fertility diagnostic care.

(b) Fertility treatment.

(c) Standard fertility preservation services.

(d) At least 4 complete oocyte retrievals with unlimited embryo transfers from those oocyte retrievals or from any oocyte retrieval.

(e) The medical costs related to an embryo transfer to be made from or on behalf of an insured to a third party. However, the insured's coverage must not extend to any medical costs of a surrogate after the embryo transfer.

(f) Coverage regardless of whether donor gametes or embryos are used or if an embryo will be transferred to a surrogate.

(2) Coverage for the treatment of infertility under this section must be provided without discrimination on the basis of age, ancestry, disability, domestic partner status, gender, gender expression, gender identity, genetic information, marital status, national origin, race, religion, sex, or sexual orientation.

(3) An insurer described in subsection (1) shall not impose any of the following:

(a) Deductibles, copayments, coinsurance, benefit maximums, waiting periods, or any other limitations on coverage for the diagnosis and treatment of infertility, including the prescription of fertility medications, different from those imposed on benefits for services not related to infertility.

(b) Preexisting condition exclusions or preexisting condition waiting periods on coverage for the diagnosis and treatment of infertility or the use of any prior diagnosis, an individual's disability, or prior treatment for infertility as a basis for excluding, limiting, or otherwise restricting the availability of coverage for required benefits.

(c) Limitations on coverage based solely on arbitrary factors, including number of attempts, dollar amounts, or age, or providing different benefits to, or impose different requirements on, a class protected under the Elliot-Larsen civil rights act, 1976 PA 453, MCL 37.2101 to 37.2804, than that provided to other insureds.

(d) Exclusions, limitations, or other restrictions on coverage of fertility medications that are different from those imposed on any other prescription medications.

(e) Limitations under the policy based on anything other than the medical assessment of an individual's licensed health care provider.

(4) An insurer described in subsection (1) shall provide coverage under this section regardless of whether the insured foregoes a particular fertility treatment or procedure if the insured's health care provider determines that the treatment or procedure is likely to be unsuccessful or the insured seeks to use previously retrieved oocytes or embryos.

(5) As used in this section:

(a) "Fertility diagnostic care" means procedures, products, genetic testing, medications, counseling, and services intended to provide information and counseling about an individual's fertility, including laboratory assessments and imaging studies.

(b) "Fertility treatment" means procedures, products, genetic testing, medications, counseling, and services intended to establish a pregnancy or treat infertility and that are provided in a manner consistent with established medical practice and professional guidelines published by the American Society for Reproductive Medicine.

(c) "Gamete" means sperm or egg.

(d) "Health care provider" means any of the following:

(i) Nurse practitioner. As used in this subparagraph, "nurse practitioner" means an individual who is licensed as a registered professional nurse under part 172 of the public health code, 1978 PA 368, MCL 333.17201 to 333.17242, who has been granted a specialty certification as a nurse practitioner by the Michigan board of nursing under section 17210 of the public health code, 1978 PA 368, MCL 333.17210.

(ii) Physician.

(iii) Physician's assistant. As used in this subparagraph, "physician's assistant" means an individual who is licensed to engage in the practice as a physician's assistant under part 170, 175, or 180 of the public health code, 1978 PA 368, MCL 333.17001 to 333.17097, 333.17501 to 333.17556, and 333.18001 to 333.18058.

(e) "Infertility" means any of the following:

(i) The presence of a condition recognized by a health care provider that impacts an individual's ability to establish a pregnancy or to carry a pregnancy. This includes infertility arising from disabilities or from medical treatments or conditions associated with disability.

(ii) An individual's inability to establish pregnancy as an individual or with a partner because the individual or the individual and the individual's partner do not have the necessary gametes to establish a pregnancy.

(iii) An individual's inability to establish a pregnancy or to carry a pregnancy to live birth after 12 months of unprotected sexual intercourse when the individual and the individual's partner have the necessary gametes to establish pregnancy. Pregnancy loss does not restart the 12-month period.

(iv) An individual's inability to establish pregnancy after 6 months of unprotected sexual intercourse due to the individual's age when the individual and the individual's partner have the necessary gametes to establish pregnancy, or to carry a pregnancy to live birth. Pregnancy loss does not restart the 6-month period.

(f) "Oocyte" means an ovum or egg cell before maturation.

(g) "Physician" means either of the following:

(i) A physician licensed to engage in the practice of medicine under part 170 of the public health code, 1978 PA 368, MCL 333.17001 to 333.17097.

(ii) A physician licensed to engage in the practice of osteopathic medicine and surgery under part 175 of the public health code, 1978 PA 368, MCL 333.17501 to 333.17556.

(h) "Standard fertility preservation services" means procedures, products, genetic testing, medications, counseling, and services intended to preserve fertility, consistent with established medical practice and professional guidelines published by the American Society for Reproductive Medicine, or the American Society for Clinical Oncology for an individual who has a medical or genetic condition, including conditions related to disability or chronic illness, or who is expected to receive medical treatment that has a side effect or possible side effect of a risk to an individual's fertility and includes, but is not limited to, expenses related to evaluation, laboratory assessments, medications, and treatment, as well as the procurement and cryopreservation of gametes, embryos, and reproductive material and storage.

Pitfalls to watch for: 

Are they really dead? Questionable brain death standards for organ donation.

Licenses restrict patient care.

Wednesday, March 18, 2026     11:30 a.m.

AGENDA

SB 205
Sen. Daley
Health: anatomical gifts; certain private practice offices and urgent care clinics to provide information on the donor registry and donating bone marrow; allow.

SB 707
Sen. Klinefelt
Health occupations: marriage and family therapists; licensing requirements for marriage and family therapists; modify, and require continuing education.

And any other business properly before the committee.

Either way, we should expect interesting discussion in the Senate Committee on Finance, Insurance, and Consumer Protection this week.

Wednesday, March 4, 2026      12:30 p.m.

AGENDA

SB 701
Sen. Lindsey
Consumer credit: interest rates; maximum interest rate allowed for medical debt; modify.

SB 702
Sen. Anthony
Civil procedure: foreclosure; foreclosure or garnishment of wages for medical debt; prohibit.

SB 757
Sen. Camilleri
Communications: social media; addictive feeds for minors by social media platforms; prohibit.

SB 758
Sen. Hertel
Communications: internet; Michigan kids code act; create.

SB 759
Sen. Chang
Consumer protection: privacy; Michigan consumer protection act; amend to include violation of kids code act as violation.

SB 760
Sen. Polehanki
Trade: business regulation; availability of companion chatbots to minors; prohibit.

And any other business properly before the committee.

These bills tackle one aspect of the problem. Non-health related bills are italicized.

Wednesday, January 28, 2026     12:30 p.m.

AGENDA

SB 583
Sen. Cavanagh
Taxation: administration; electronic notice; allow.

SB 584
Sen. Irwin
Individual income tax: withholding requirements; mandatory withholding requirement by pension administrators; make optional.

SB 701
Sen. Lindsey
Consumer credit: interest rates; maximum interest rate allowed for medical debt; modify.

SB 702
Sen. Anthony
Civil procedure: foreclosure; foreclosure or garnishment of wages for medical debt; prohibit.

And any other business properly before the committee.

PANS and PANDAS have standard medical diagnostic criteria, billing codes, and treatment.

However, many (MANY) parents relate PANS and PANDAS to vaccines, and seek alternative treatments.

In 2019, the US HHS denied request for rulemaking under NVIC (National Vaccine Injury Compensation) for PANS and PANDAS, among other diagnoses commonly associated with vaccines.

Care impact:

Under this bill, coverage would be limited to standard care, which is unlikely to satisfy many parents.

Financial bottom line:

Like the existing list of 35 or so required coverage items, this new mandate would impact all plans sold in Michigan. It represents a shift for an indeterminate number of patients from Medicaid/last resort to private insurance coverage, and will certainly drive up premiums.

Wednesday, December 3, 2025     1:30 p.m.

AGENDA

SB 447  Sen. Hertel
Insurance: insurers; coverage for certain pediatric autoimmune neuropsychiatric disorders; require.

And any other business properly before the committee.

Wednesday, October 29, 2025     12:30 p.m.

AGENDA

HB 4077 Rep. Rogers Health: medical examiners; process for medical certification of a death record; modify.

HB 4078 Rep. Mueller Health: medical examiners; requirements for an investigation of the cause and manner of death; modify.

SB 475 Sen. Wojno Health occupations: health professionals; invasive bodily examinations; prohibit under certain circumstances.

SB 476 Sen. Santana Health occupations: health professionals; definition of invasive bodily examination; add.

And any other business properly before the committee.

More about Medical Examiner bills

Bills regulating invasive bodily examinations are usually a response to the Larry Nasser scandal, and often run counter to hospital culture.

Wednesday, November 5, 2025      12:00 noon

AGENDA

SB 483 Sen. Bayer Health: other; palliative care advisory task force; create.

SB 449 Sen. Anthony Health facilities: hospitals; hospital financial assistance act; enact.

SB 450 Sen. Lindsey Health facilities: hospitals; certain hospital financial assistance policies; make subject to the hospital financial assistance act.

SB 451 Sen. Anthony Consumer credit: credit reports and reporting agencies; collection and reporting of medical debt information; regulate.

And any other business properly before the committee.

The cumulative hearing was scheduled, cancelled, and rescheduled for this time.

Wednesday, November 12, 2025      12:00 noon

AGENDA

SB 449 Sen. Anthony Health facilities: hospitals; hospital financial assistance act; enact.

SB 450 Sen. Lindsey Health facilities: hospitals; certain hospital financial assistance policies; make subject to the hospital financial assistance act.

SB 451 Sen. Anthony Consumer credit: credit reports and reporting agencies; collection and reporting of medical debt information; regulate.

SB 475 Sen. Wojno Health occupations: health professionals; invasive bodily examinations; prohibit under certain circumstances.

SB 476 Sen. Santana Health occupations: health professionals; definition of invasive bodily examination; add.

SB 483 Sen. Bayer Health: other; palliative care advisory task force; create.

HB 4077 Rep. Rogers Health: medical examiners; process for medical certification of a death record; modify.

HB 4078 Rep. Mueller Health: medical examiners; requirements for an investigation of the cause and manner of death; modify.

HB 4309 Rep. Prestin Health occupations: physician's assistants; physician's assistants licensure compact; provide for.

And any other business properly before the committee.

MHF position paper on health licensing compacts

Busy times in state government.

Wednesday, June 18, 2025       11:00 a.m.

AGENDA

SB 397 Sen. Hertel Human services: medical services; exemption of certain prescription drugs from the medical assistance prior authorization process; provide for.

SB 398 Sen. Bellino Health: substance use disorder treatment; substance use disorder services programs requirements; modify, and prohibit the promulgation of certain rules.

SB 399 Sen. Irwin Controlled substances: drug paraphernalia; definition of drug paraphernalia; modify.

SB 400 Sen. Hertel Insurance: health insurers; prior authorization for certain opioid use disorder and alcohol use disorder medications; prohibit.

SB 401 Sen. Santana Health: pharmaceuticals; co-prescribing of naloxone with opioid drugs; require.

SB 402 Sen. Wojno Human services: medical services; coverage for street medicine services; require.

SB 403 Sen. Singh Health occupations: pharmacists; dispensing certain addiction medications without undue delay; require.

SB 404 Sen. Camilleri Controlled substances: other; opioid antagonist policy; require schools to implement in certain circumstances.

SB 405 Sen. Camilleri Controlled substances: other; definition of governmental agency under the administration of opioid antagonist act; modify.

And any other business properly before the committee.