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SB 414

Insurance: health insurers; coverage for group prenatal care services; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ss.

2025-2026 Regular Session Introduced by Stephanie Chang and 1 co-sponsor

Michigan requires health insurers to cover group prenatal care services without cost-sharing to improve maternal health outcomes and access.

referred to Committee on Insurance
#insurance:healthbenefits #insurance:healthinsurers
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Bill Summary · SB 414

Legislative bill overview

SB 414 amends Michigan's insurance code to require health insurers to cover group prenatal care services without cost-sharing (copayments, coinsurance, or deductibles). The bill mandates that these services be provided in-network and establishes coverage standards for expectant mothers participating in group prenatal care programs.

Why is this important

Prenatal care is a critical health intervention that reduces maternal and infant mortality, improves birth outcomes, and prevents complications during pregnancy. By removing financial barriers to group prenatal care, the bill aims to increase access and participation, particularly among lower-income populations who might otherwise delay or forgo prenatal services due to costs. Group prenatal care models have demonstrated improved outcomes compared to traditional individual visits.

Potential points of contention

  • Cost implications: Insurers and employer groups may face increased premiums if they absorb the cost of no-cost-sharing prenatal services, potentially affecting insurance affordability for other services or populations
  • Definition and scope: Ambiguity around what constitutes "group prenatal care services" could lead to disputes over coverage eligibility and which programs qualify under the mandate
  • Provider network availability: Rural and underserved areas may lack adequate in-network providers offering group prenatal care, potentially leaving mandated coverage inaccessible in practice

Compiled from official sources — confirm details with the bill’s official record.

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