State-Based Health Insurance Exchange

Current understanding

Proposals to establish a Michigan state-based health insurance exchange, which would replace or supplement reliance on the federal HealthCare.gov marketplace for individual and small-group ACA-compliant coverage. A state-run exchange typically administers plan certification, enrollment, and subsidies, and can affect who accesses subsidized coverage and how insurers participate in the individual market.

Evidence log

• 2026-06-18 — Insurance: reinsurance; innovative waiver for a reinsurance program; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406nn. TIE BAR WITH: SB 0973’26: SB0977 (passed chamber; tie-barred to SB0973’26) adds sec. 3406nn to the Insurance Code (1956 PA 218) to authorize an innovative waiver for a reinsurance program, extending the state-based exchange package with a mechanism to stabilize individual-market premiums via a 1332-style waiver. (novelty: 2) (novelty: 2)
• 2026-06-18 — Insurance: health insurers; health insurance policy; include provision related to Michigan health insurance exchange act. Amends sec. 2212a of 1956 PA 218 (MCL 500.2212a). TIE BAR WITH: SB 0973’26: SB0976 (passed chamber; tie-barred to SB0973’26) amends sec. 2212a of the Insurance Code (1956 PA 218, MCL 500.2212a) to add a provision tying health insurance policy requirements to the Michigan Health Insurance Exchange Act. (novelty: 2) (novelty: 2)
• 2026-06-18 — Insurance: health benefits; certification for qualified health plan and qualified dental plan; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406mm. TIE BAR WITH: SB 0973’26: SB0975 (passed chamber; tie-barred to SB0973’26) adds sec. 3406mm to the Insurance Code (1956 PA 218) to establish certification requirements for qualified health plans and qualified dental plans, aligning insurer plan certification with the state-based exchange framework. (novelty: 2)
• 2026-06-18 — Insurance: health insurers; updated references to reflect the enactment of the Michigan health insurance exchange act; provide for. Amends secs. 1261, 1262, 1262a & 1264 of 1956 PA 218 (MCL 500.1261 et seq.). TIE BAR WITH: SB 0973’26: SB0974 (passed chamber; tie-barred to SB0973’26) amends Insurance Code secs. 1261, 1262, 1262a & 1264 of 1956 PA 218 to update statutory cross-references conforming to the enactment of the Michigan health insurance exchange act. (novelty: 2)

Open questions

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