Insurers must help you if your health network closes

Insurance: health insurers; closure or removal of health system from an insurer's network; establish procedures. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406uu.

Introduced· 2026-06-02

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.

The bill would let you end or switch your group disability insurance without penalty if a hospital network you use shuts down or leaves the insurer’s network.

Our take

What we think, in plain words.

If a hospital or clinic you rely on closes, you could lose your disability coverage. This bill would let you quit or move your policy without a fee, and even keep any money you already paid. It gives workers a safety net while the bill is still being debated.

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The facts

What the bill actually says, no spin.

The bill adds section 3406uu to Michigan’s insurance code.
It treats a health system’s closure or removal from an insurer’s network as a qualifying event for a special enrollment period.
It lets insured people terminate their group disability policy without penalty in that situation.
It requires insurers to offer a new group disability policy to affected insureds.
It mandates crediting any deductibles or out‑of‑pocket amounts already paid under another insurer’s policy.