Insurance: health insurers; definition of health care insurer; include automobile insurers providing personal injury protection coverage. Amends sec. 2 of 1984 PA 323 (MCL 752.1002).

2025-2026 Regular Session Introduced by Joe Aragona and 9 co-sponsors

HB 4713 expands the Health Care False Claim Act to cover auto insurers offering PIP, making false or fraudulent PIP claims enforceable under the act.

REFERRED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION

#insurance:automobile #insurance:healthinsurers

Summary — HB 4713 (Health Care False Claim Act: definition of “health care insurer”)

Bill number: HB 4713

Title: Insurance: health insurers; definition of health care insurer; include automobile insurers providing personal injury protection coverage. Amends sec. 2 of 1984 PA 323 (MCL 752.1002).

Sponsor: Rep. Ron Robinson (with co-sponsors listed in bill text)

Introduced: July 1, 2025 (filed March 12, 2025)

Status: Passed by Michigan House (9/16/2025) and referred to Senate Committee on Finance, Insurance, and Consumer Protection (9/18/2025)

Purpose / intent

HB 4713 updates definitions in Michigan’s Health Care False Claim Act (1984 PA 323) to expressly include certain automobile insurers — specifically those that provide personal protection insurance (PIP) benefits under the Michigan Insurance Code — within the Act’s scope of “health care insurer.” The intent is to make clear that false or deceptive claims directed at PIP insurers are subject to the State’s health care false-claim enforcement framework.

Key provisions

Amends section 2 (MCL 752.1002) of the Health Care False Claim Act (definitions).

Revises/clarifies several defined terms in the Act (e.g., “claim,” “deceptive,” “false,” “health care benefit,” “health care corporation”).

Expands the definition of “health care insurer” to include:

Insurance companies authorized to provide health insurance in Michigan;
An insurance company that provides personal protection insurance (PIP) under chapter 31 of the Insurance Code (MCL 500.3101–500.3179);
Legal entities that are self‑insured and provide health care benefits to employees.

Other defined-term clarifications (e.g., “knowing/knowingly,” “person,” “health facility or agency”) are restated in the amended text.

Who is affected

Automobile insurers providing PIP (no-fault) benefits — they become explicit protected entities under the Health Care False Claim Act.

Health care providers, clinics, billing entities, and individuals who submit claims for medical services paid under PIP may now be subject to the Act’s civil enforcement provisions when claims are false, deceptive, or fraudulent.

Self‑insured employers that provide health benefits are included in the “health care insurer” scope.

Prosecutors, state agencies, and private relators (if the Act’s qui tam provisions apply) could use the Act to pursue PIP fraud cases.

Potential impact

Broadens the range of payors covered by the Health Care False Claim Act, enabling civil enforcement (penalties, restitution, treble damages where applicable under the Act) against fraudulent PIP claims in addition to traditional health‑insurance fraud channels.

May increase investigation and litigation activity targeting auto‑insurance/PIP billing fraud by aligning PIP claim enforcement with existing health care false‑claim mechanisms.

Procedural/timeline notes

Introduced July 1, 2025 (filed March 12, 2025).

Considered in committee and taken up in public hearing April 30, 2025.

Passed Michigan House on September 16, 2025 (given immediate effect by the House).

Referred to the Senate Committee on Finance, Insurance, and Consumer Protection on September 18, 2025; pending further action in the Senate.

(Part of a broader package of bills, HBs 4713–4719, that amend insurance‑fraud definitions, penalties, reporting, and enforcement.)