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SENATE BILL NO. 910
A bill to amend 1956 PA 218, entitled
"The insurance code of 1956,"
(MCL 500.100 to 500.8302) by adding section 3478.
THE PEOPLE OF THE STATE OF MICHIGAN ENACT:
Sec. 3478. (1) The insurance coverage and affordability task 1
force is created within the legislative council. 2
(2) The task force consists of the following members: 3
(a) The director or the director's designee as a nonvoting 4
member. 5
April 21, 2026, Introduced by Senator WEBBER and referred to Committee on Finance,
Insurance, and Consumer Protection.
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(b) The director of the department of health and human 1
services as a nonvoting member. 2
(c) One member of the legislature selected by the senate 3
majority leader. 4
(d) One member of the legislature selected by the senate 5
minority leader. 6
(e) One member of the legislature selected by the speaker of 7
the house of representatives. 8
(f) One member of the legislature selected by the house of 9
representatives minority leader. 10
(g) The following members appointed by the legislative 11
council: 12
(i) One individual representing health maintenance 13
organizations. 14
(ii) One individual representing health insurance companies. 15
(iii) One individual representing mutual insurance companies. 16
(iv) One individual representing hospitals. 17
(v) One individual representing doctors of medicine. 18
(vi) One individual representing doctors of osteopathic 19
medicine and surgery. 20
(vii) One individual representing purchasers or employers with 21
100 or more employees. 22
(viii) One individual representing purchasers or employers with 23
fewer than 100 employees. 24
(ix) One individual representing pharmacists. 25
(3) A member of the task force shall serve for a term of 3 26
years or until a successor is appointed. 27
(4) At the first meeting of the task force, a majority of the 28
members shall elect from the task force members a chairperson and 29
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other officers as the task force considers necessary or 1
appropriate. After the first meeting, the task force shall meet at 2
least quarterly, or more frequently at the call of the chairperson 3
or if requested by a majority of the members. 4
(5) A majority of the members of the task force appointed and 5
serving constitute a quorum for the transaction of business at a 6
meeting of the task force. 7
(6) The business that the task force may perform must be 8
conducted at a public meeting held in compliance with the open 9
meetings act, 1976 PA 267, MCL 15.261 to 15.275. The task force 10
shall give public notice of the time, date, and place of the 11
meeting in the manner required by the open meetings act, 1976 PA 12
267, MCL 15.261 to 15.275. 13
(7) The task force shall make available a writing prepared, 14
owned, used, in the possession of, or retained by the task force in 15
the performance of an official function as the task force to the 16
public in compliance with the freedom of information act, 1976 PA 17
442, MCL 15.231 to 15.246. 18
(8) Members of the task force shall serve without 19
compensation. However, members of the task force may be reimbursed 20
for their actual and necessary expenses incurred in the performance 21
of their official duties as members of the task force. 22
(9) The task force shall review any bill introduced in either 23
the house of representatives or the senate that would mandate that 24
a health insurer provide a health insurance benefit. A review 25
required under this section must include all of the following: 26
(a) The social impact of mandating the health benefit, which 27
must include all of the following: 28
(i) The extent to which the proposed health insurance mandate 29
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and the benefits or services it would provide are needed by, 1
available to, and utilized by the people of this state. 2
(ii) The extent to which insurance coverage for the proposed 3
health insurance mandate already exists or, if no coverage exists, 4
the extent to which the lack of coverage results in inadequate 5
health care or financial hardship for the affected people of this 6
state. 7
(iii) Relevant findings bearing on the social impact of the lack 8
of the proposed health insurance mandate. 9
(iv) The extent to which the benefits or services reduce 10
premature death and the economic loss associated with disease. 11
(v) Other information with respect to the social impact as the 12
task force considers appropriate. 13
(b) The financial impact of mandating the health insurance 14
benefit, which must include all of the following: 15
(i) The extent to which the proposed health insurance mandate 16
would increase or decrease the cost for treatment or service. 17
(ii) The extent to which similar mandated health benefits in 18
other states have affected charges, costs, and payments for 19
services. 20
(iii) The extent to which the proposed mandated health insurance 21
benefit would increase the appropriate use of the treatment or 22
service or will be a substitute for, or affect the cost of, 23
alternative benefits or services. 24
(iv) The impact of the proposed health insurance mandate on 25
total costs to carriers and on administrative costs. 26
(v) The impact of the proposed health insurance mandate on 27
total costs to purchasers and benefit costs. 28
(vi) The impact of the proposed health insurance mandate on the 29
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total cost of care within this state. 1
(vii) Other information with respect to the financial impact as 2
the task force considers appropriate. 3
(c) The medical efficacy of mandating the health insurance 4
benefit, which must include all of the following: 5
(i) If the proposed health insurance mandate provides coverage 6
of a particular treatment or therapy, the recommendation of a 7
clinical study or review article in a major peer-reviewed 8
professional journal as effective in screening, diagnosis, or 9
treatment of a condition or disease. 10
(ii) Whether the proposed mandated benefit is generally 11
available and utilized by treating physicians. 12
(iii) How the proposed mandate could impact the quality of care. 13
(iv) If the proposed health insurance mandate provides coverage 14
of services provided by an additional class of practitioners, the 15
results of at least 2 professionally accepted, controlled trials 16
comparing the medical results achieved by the additional class of 17
practitioners and the practitioners already covered by benefits. 18
(v) The results of other research. 19
(vi) The impact of the proposed health insurance mandate on the 20
general availability of health benefits coverage in this state. 21
(vii) Other information with respect to the medical efficacy as 22
the task force considers appropriate. 23
(d) The effects of balancing the social, economic, and medical 24
efficacy considerations, which must include, but not be limited to, 25
both of the following: 26
(i) The extent to which the need for coverage outweighs the 27
costs of mandating the health insurance benefit. 28
(ii) The extent to which the problem of coverage may be solved 29
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by mandating the availability of the coverage as an option under a 1
health insurance plan. 2
(e) An analysis of information collected from various sources, 3
including, but not limited to, all of the following: 4
(i) A state data collection system. 5
(ii) The department. 6
(iii) The department of health and human services. 7
(iv) Health planning organizations. 8
(v) Proponents and opponents of the proposed health insurance 9
mandate, who must be encouraged to provide appropriate 10
documentation supporting their positions. The task force shall 11
examine the documentation described in this subparagraph to 12
determine whether: 13
(A) The documentation is complete. 14
(B) The assumptions on which the research is based are valid. 15
(C) The research cited in the documentation meets professional 16
standards. 17
(D) All relevant research respecting the proposed benefit has 18
been cited in the documentation. 19
(E) The conclusions and interpretations in the documentation 20
are consistent with the data submitted. 21
(vi) Other data sources as the task force considers 22
appropriate. 23
(10) The task force shall complete its review of a bill under 24
subsection (9) not later than 90 days after the date the review is 25
requested and provide its comments and recommendations in writing 26
to the prime sponsor and committee chair of the committee in which 27
the bill is pending. The task force may request an extension before 28
the ninetieth day, in which case the committee chair may grant an 29
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extension of up to 45 days for the task force to complete its 1
review. 2
(11) If a bill contains a health insurance mandate affecting 3
an insurance policy, the director must submit to the chair of the 4
legislative committee considering the bill a report of the task 5
force on the social and financial impacts and the medical efficacy 6
of the bill requirements. 7
(12) If the chair of the committee considering a bill 8
determines that the bill is of such an urgent nature that it would 9
seriously impair the public health to wait for the task force to 10
issue its comments and recommendations under subsection (15), the 11
chair shall so notify the task force and the speaker of the house 12
of representatives for a bill pending in the house of 13
representatives or the senate majority leader for a bill pending in 14
the senate of that determination and, with the agreement of the 15
speaker of the house of representatives or senate majority leader, 16
as applicable, may consider and vote on the bill as soon as 17
practicable. 18
(13) In the course of studying and evaluating proposed 19
mandated health benefits, the task force shall do both of the 20
following: 21
(a) Develop criteria for a system and program of data 22
collection, for use by the department and the department of health 23
and human services, to assess the impact of mandated health 24
benefits, including the cost to employers and health insurers, 25
impact of treatment, cost savings in the health care system, number 26
of providers, and other data as may be appropriate. 27
(b) Review and comment to any state department, board, bureau, 28
task force, or agency with respect to any order or rule proposed or 29
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implemented by the state department, board, bureau, commission, or 1
agency that affect mandated health benefits. 2
(14) The task force may contract with actuaries or other 3
experts within Michigan's higher education institutions such as the 4
University of Michigan School of Public Health, Wayne State 5
University School of Medicine, Michigan State University College of 6
Human Medicine, Oakland University William Beaumont School of 7
Medicine, Western Michigan University Homer Stryker M.D. School of 8
Medicine, or Central Michigan University College of Medicine. 9
(15) Not later than 2 years after the effective date of the 10
amendatory act that added this section, the task force shall 11
conduct an evaluation of existing health insurance mandates under 12
the law of this state and make recommendations to the chairs of the 13
insurance committees of the house of representatives and senate 14
regarding decision-making criteria for reducing the number of 15
mandates or the extent of coverage. The evaluation required under 16
this subsection must include all of the following: 17
(a) An assessment of the full cost of each existing health 18
insurance mandate as a percentage of this state's average annual 19
wage and of premiums under both of the following: 20
(i) A typical group and individual health benefit plan in this 21
state. 22
(ii) The state employee health benefit plan. 23
(b) An assessment of the degree to which existing health 24
insurance mandates are covered in self-funded plans. 25
(c) The extent to which the same or similar mandates have 26
affected charges, costs, utilization, and payments in other states 27
with health and population characteristics similar to this state. 28
The comparison under this subdivision must include all of the 29
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following: 1
(i) The number of mandated health insurance services. 2
(ii) The type of mandated health insurance services. 3
(iii) The level and extent of coverage for each mandated health 4
insurance service. 5
(iv) The financial impact of differences in levels of coverage 6
for each mandated health insurance service. 7
(16) The legislature may consider the information provided 8
under subsection (15) in determining whether to do any of the 9
following: 10
(a) Enact proposed health insurance mandates. 11
(b) Repeal existing health insurance mandates. 12
(17) Health insurers and health maintenance organizations must 13
not be assessed for any costs of complying with this section. 14
(18) This section does not apply after 3 years after the 15
effective date of the amendatory act that added this section. 16
(19) As used in this section: 17
(a) "Health insurance mandate" includes a law that requires an 18
insurance policy to do any of the following: 19
(i) Permit a person to obtain treatment or services from a 20
particular type of health care provider. 21
(ii) Provide coverage for the treatment of a particular disease 22
or condition. 23
(iii) Provide coverage of a particular type of health care 24
treatment or service, including particular drugs, supplies, or 25
equipment. 26
(iv) Provide a particular benefit design under the insurance 27
policy for the treatment of a particular disease, condition, or 28
other health care need, for a particular type of health care 29
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treatment or service, or for the provision of equipment, supplies, 1
or drugs used in connection with a health care treatment or 2
service. 3
(b) "Task force" means the insurance coverage and 4
affordability task force created in subsection (1). 5