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HB 5973

Insurance: health insurers; health care benefits that require certain deductibles or copays; provide for certain restrictions. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406nn.

2023-2024 Regular Session Introduced by Felicia Brabec and 19 co-sponsors

Michigan bill restricts health insurance deductibles and copayments for specified benefits to reduce patient out-of-pocket costs and improve care access.

bill electronically reproduced 09/26/2024
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Bill Summary · HB 5973

Legislative bill overview

HB 5973 amends Michigan's insurance law to add restrictions on health insurance deductibles and copayments. The bill specifically targets certain health care benefits by limiting what out-of-pocket costs insurers can require patients to pay before coverage begins or through per-visit fees.

Why is this important

Out-of-pocket costs directly affect whether patients can afford necessary medical care. High deductibles and copays can prevent people from seeking treatment, potentially leading to worse health outcomes and more expensive emergency care. This bill attempts to reduce financial barriers to accessing specific health care services.

Potential points of contention

  • Undefined scope: The bill text references "certain deductibles or copays" and "certain health care benefits" without specifying which services are covered, making it unclear what the actual restrictions are
  • Insurance cost impacts: Reducing out-of-pocket costs typically increases insurance company costs, which may be passed to consumers through higher premiums or reduced plan options
  • Market effects: Restrictions may cause insurers to restructure plans, potentially offering fewer plans in Michigan or changing coverage in ways that don't benefit all consumers equally

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

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