Michigan bill expands health coverage for kids and mental health

Insurance: health insurers; compliance with affordable care act coverage; modify. Amends secs. 3403, 3406z, 3406bb, 3406hh & 3406ii of 1956 PA 218 (MCL 500.3403 et seq.).

Engrossed· 2025-06-05

Who's it for

Who's it for: Everyday People

What it means for you

8/10Helps you

Good for everyday people ·

Plain‑English summary, cross‑checked against the official bill text.

If passed, the bill would force health insurers to cover kids up to 26 and to include mental health services without extra limits.

Our take

What we think, in plain words.

Consumers would get more reliable health care and fewer surprise caps, while insurers would have to pay for these benefits, so the cost may rise in premiums.

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The facts

What the bill actually says, no spin.

Insurers must offer dependent coverage until age 26.
Coverage must include the same benefits and rates for dependents.
Insurers cannot set lifetime or annual limits on essential health benefits.
Policies must cover mental health, substance use, maternity, preventive, and pediatric services.
Out‑of‑network providers for required services cannot be charged extra cost‑sharing.