Insurance: health benefits; excluding federal excepted benefits from a health insurance policy; provide for. Amends sec. 3701 of 1956 PA 218 (MCL 500.3701). TIE BAR WITH: HB 4208’25
Key claim: Michigan Public Act 53 of 2026 (HB 4207) amends MCL 500.3701 so that federal excepted benefits are excluded from the definition of a health insurance policy.
Abstract
(HB4207 · 103rd Legislature) Insurance: health benefits; excluding federal excepted benefits from a health insurance policy; provide for. Amends sec. 3701 of 1956 PA 218 (MCL 500.3701). TIE BAR WITH: HB 4208’25 Sponsor: Rep. Mike Harris ® + 1 co-sponsor Latest vote: Senate Third Reading: Passed Roll Call # 202 — 36-0 (passed, 2026-07-03) Latest action (2026-07-23): Assigned Pa 53’26 With Immediate Effect
Why this matters
Redefining what counts as a ‘health insurance policy’ under Michigan’s Insurance Code determines which products are subject to state health-plan mandates and consumer protections. By carving out federally recognized excepted benefits (e.g., stand-alone dental, vision, fixed indemnity), the state aligns its regulatory perimeter with federal law, potentially affecting which coverage products consumers can access outside standard health plan rules.