Michigan bill would ban insurance copays for insulin and supplies

Insurance: health insurers; cost-sharing for insulin coverage; eliminate. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406qq.

Introduced· 2026-06-10

Who's it for

Who's it for: Everyday People

What it means for you

10/10Helps you

Good for everyday people ·

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

This bill would force health insurance companies to cover insulin and diabetes supplies without charging you any copays or deductibles.

Our take

What we think, in plain words.

This is a massive win for people with diabetes. By banning all out-of-pocket costs for insulin and essential supplies like test strips and syringes, this bill stops insurance companies from nickel-and-diming patients for life-saving medicine. If you or a loved one rely on insulin, this is exactly the kind of protection you want your state to pass.

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The facts

What the bill actually says, no spin.

Requires health insurance plans to cover insulin with zero out-of-pocket costs.
Requires coverage of medically necessary diabetes devices like test strips, glucometers, and syringes with zero out-of-pocket costs.
Bans insurers from applying deductibles, copays, coinsurance, or lifetime limits to these life-saving supplies.