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SB1013 • 2026

Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Amends secs. 2109 & 2119 of 1956 PA 218 (MCL 500.2109 & 500.2119).

Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Amends secs. 2109 & 2119 of 1956 PA 218 (MCL 500.2109 & 500.2119).

Active

The official status still shows this bill as active or still awaiting another formal step.

Sponsor
Jeremy Moss (District 7), Mary Cavanagh (District 6), Stephanie Chang (District 3), Jeff Irwin (District 15), Mallory McMorrow (District 8)
Last action
2026-07-03
Official status
referred to Committee on Insurance
Effective date
Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Amends secs. 2109 & 2119 of 1956 PA 218 (MCL 500.2109 & 500.2119).

Insurance: no-fault; price optimization use in determining insurance rates; prohibit.

What This Bill Does

  • Insurance: no-fault; price optimization use in determining insurance rates; prohibit.
  • Amends secs.
  • 2109 & 2119 of 1956 PA 218 (MCL 500.2109 & 500.2119).

Limits and Unknowns

  • This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

S-1

3

REPORTED FAVORABLY WITH SUBSTITUTE (S-1) 6/17/2026

Plain English: REPORTED FAVORABLY WITH SUBSTITUTE (S-1) 6/17/2026 3

  • The official amendment file could not be read automatically during the last sync, so only the official amendment metadata is shown right now.

Bill History

  1. 2026-07-03 HJ 56 Pg. 0

    read a first time

  2. 2026-07-03 HJ 56 Pg. 0

    referred to Committee on Insurance

  3. 2026-07-02 SJ 61 Pg. 771

    AMENDMENT(S) DEFEATED

  4. 2026-07-02 SJ 61 Pg. 771

    PASSED ROLL CALL # 172 YEAS 34 NAYS 3 EXCUSED 1 NOT VOTING 0

  5. 2026-07-02 HJ 55 Pg. 981

    received on 07/02/2026

  6. 2026-07-01 SJ 60 Pg. 755

    REPORTED BY COMMITTEE OF THE WHOLE FAVORABLY WITH SUBSTITUTE (S-1)

  7. 2026-07-01 SJ 60 Pg. 755

    SUBSTITUTE (S-1) CONCURRED IN

  8. 2026-07-01 SJ 60 Pg. 755

    PLACED ON ORDER OF THIRD READING WITH SUBSTITUTE (S-1)

  9. 2026-06-18 SJ 55 Pg. 689

    REPORTED FAVORABLY WITH SUBSTITUTE (S-1) 6/17/2026

  10. 2026-06-18 SJ 55 Pg. 689

    REFERRED TO COMMITTEE OF THE WHOLE WITH SUBSTITUTE (S-1)

  11. 2026-06-02 SJ 48 Pg. 577

    INTRODUCED BY SENATOR JEREMY MOSS

  12. 2026-06-02 SJ 48 Pg. 577

    REFERRED TO COMMITTEE ON ECONOMIC AND COMMUNITY DEVELOPMENT

Official Summary Text

Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Amends secs. 2109 & 2119 of 1956 PA 218 (MCL 500.2109 & 500.2119).

Current Bill Text

Read the full stored bill text 
SB-1013, As Passed Senate, July 2, 2026

DAW S06441'26 (S-1)_SB1013_APS_1 sa0r6o

SUBSTITUTE FOR
SENATE BILL NO. 1013
A bill to amend 1956 PA 218, entitled
"The insurance code of 1956,"
(MCL 500.100 to 500.8302) by adding section 2027a.
THE PEOPLE OF THE STATE OF MICHIGAN ENACT:
Sec. 2027a. (1) It is an unfair method of competition and an 1
unfair or deceptive act or practice in the business of insurance 2
for an insurer to use price optimization in any way in ratemaking. 3
(2) As used in this section: 4
(a) "Engage in activities that result in insurance policy 5
turnover" includes, but is not limited to, any of the following: 6
(i) Shopping with other insurers for a lower premium. 7
(ii) Canceling a policy before the expiration of the policy 8
term. 9
2
Final Page
DAW S06441'26 (S-1)_SB1013_APS_1 sa0r6o
(iii) Failing to renew a policy at the renewal of the policy 1
term. 2
(iv) Complaining to the insurer or the insurer's agent or 3
representative. 4
(b) "Price optimization" means establishing rates or varying 5
premiums at any time based on factors that are unrelated to risk of 6
loss or expense, including, but not limited to, any of the 7
following: 8
(i) Charging based on the insured's price tolerance. 9
(ii) Considering the likelihood that the insured will engage in 10
activities that result in insurance policy turnover. 11
(iii) Estimating the willingness of the insured to pay a higher 12
premium compared to other insureds. 13
(iv) Using any measure of a consumer's or group of consumers' 14
price elasticity of demand. 15