Insurance: health insurers; compliance with the prescription drug cost and affordability review act; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406tt. TIE BAR WITH: HB 4544'25

2025-2026 Regular Session Introduced by Joey Andrews and 35 co-sponsors

Requires Michigan health insurers with drug coverage to comply with section 12 of the Prescription Drug Cost and Affordability Review Act.

bill electronically reproduced 06/03/2025

#health:pharmaceuticals #insurance:healthinsurers

Summary — HB 4546 (2025)

Title: Insurance: health insurers; compliance with the prescription drug cost and affordability review act; require.
Bill No.: HB 4546
Introduced: March 12, 2025 (reproduced June 3, 2025)
Primary sponsor (reproduction): Rep. Helena Scott; original sponsor list includes Reps. Scott, Mentzer, MacDonell, Andrews, Miller, Price, Arbit, Wegela, Edwards and many others.
Subject: Health insurance; prescription drugs; insurer regulatory obligations
Current procedural status (as of 06/03/2025): Introduced and referred to Committee on Government Operations. Earlier actions include committee consideration and House passage as amended (May 2025); the enrolled text is conditional (see “Effective date / tie-bar” below).

Purpose / Intent

HB 4546 would require health insurers that deliver, issue for delivery, or renew health insurance policies in Michigan that include prescription drug coverage to comply with section 12 of the Prescription Drug Cost and Affordability Review Act. In short, the bill brings certain private health insurers explicitly under the compliance requirements established by that Act.

Key provisions

Adds section 3406tt to the Michigan Insurance Code (1956 PA 218, MCL 500.100 to 500.8302).

Requires any insurer issuing, delivering, or renewing a health policy in Michigan that provides prescription drug coverage to comply with section 12 of the Prescription Drug Cost and Affordability Review Act.

Contains an enacting (conditional) clause: the amendatory act does not take effect unless either the referenced Senate bill (request no. S00487'25) or House Bill No. 4544 (request no. H00487'25) of the 103rd Legislature is enacted into law.

Who would be affected

Primary: Health insurers operating in Michigan that deliver, issue for delivery, or renew policies with prescription drug benefits.

Secondary: Policyholders covered by those plans, third-party administrators and pharmacy benefit managers (PBMs) that interact with insurers, and state regulators charged with enforcing the Prescription Drug Cost and Affordability Review Act.

Consumers may experience downstream effects (e.g., plan design, formulary management, reporting/transparency changes) depending on the content of section 12 and how it is enforced.

Procedural / timeline notes

Filed: March 12, 2025. Committee hearings and reports occurred in April–May 2025; the House recorded votes and passed the bill as amended on May 15, 2025.

June 3, 2025: bill text electronically reproduced and referred to Committee on Government Operations.

Effectiveness is conditional: the new section will only take effect if one of the tied bills (SB request no. S00487'25 or HB No. 4544) is enacted.

Additional considerations

HB 4546 references compliance with a specific provision (section 12) of another act; the practical impact depends entirely on the content and requirements of that section (reporting, cost-containment measures, penalties, etc.). Review of the Prescription Drug Cost and Affordability Review Act and section 12 is necessary to understand precise obligations imposed on insurers.