Michigan Bill Book

Michigan drivers could have to pay a deductible before their no-fault injury insurance pays, even though they might get lower premiums.

The bill lets insurers charge a deductible, shifting money from the insurer to the driver; that could mean higher out-of-pocket bills for accidents, even if premiums drop.

Insurers

• Accountability (hurts) — insurers can set deductibles. allows insurers to add deductibles, reducing oversight of benefit payments
• Rights & Protections (hurts) — injured persons must pay deductible first. deductibles may limit PIP benefits before insurance pays
• Who Bears the Cost (hurts) — cost shifts to policyholders. deductibles increase out-of-pocket costs for drivers
• Process Transparency (neutral) — no new oversight required. bill simply amends code without added reporting
• Funding Tilt (neutral) — no new funding. does not create any appropriations or subsidies

• Official text (MI HB5030)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-5030
• LegiScan — HB5030https://legiscan.com/MI/bill/HB5030/2025

This bill would give companies tax money back for training young people and apprentices, which could help more people get good jobs.

This bill would give businesses a tax break for training people in certain jobs. This could help more young people and apprentices get the skills they need for good careers. It would also help businesses find skilled workers. However, giving tax money back to businesses means the state has less money for other things, like schools or roads. This bill is new, so people can still tell their lawmakers what they think about it.

Big Business

• Accountability (helps) — Requires annual report on program effectiveness and fiscal impact.. The department of labor and economic opportunity shall prepare a report containing information including, but not limited to, the number of taxpayers taking advantage of those credits, the number of apprentices participating in the program, the number of eligible students employed, the number of apprentices who complete a program, wage outcomes, and the fiscal impact of those credits.
• Rights & Protections (neutral) — No direct impact on individual rights or protections.. The bill focuses on corporate tax credits for training programs and does not directly change individual rights or protections.
• Who Bears the Cost (hurts) — State budget bears the cost of tax credits, potentially reducing funds for other public services.. A qualified taxpayer may claim a credit against the tax imposed by this part. If the credit allowed exceeds the tax liability, that portion of the credit that exceeds the tax liability must be refunded, meaning the state budget would pay out these funds.
• Process Transparency (neutral) — No specific transparency issues or improvements mentioned.. The bill does not include provisions that would significantly change process transparency for citizens.
• Funding Tilt (helps) — Encourages investment in workforce development and training.. The bill provides tax credits to employers for expenses related to training apprentices and eligible students in career and technical education programs, which could lead to more skilled workers.

Pushing for it: Michigan businesses that train apprentices and students (Up to $2,000 per trainee, plus 10% for small businesses)
Bearing the cost: Michigan state budget/taxpayers

• Official text (MI HB5649)https://legislature.mi.gov/Bills/Bill?ObjectName=2026-HB-5649
• LegiScan — HB5649https://legiscan.com/MI/bill/HB5649/2025

Health plans must pay dentists the full amount for dental work without charging any extra fees.

The bill would protect patients by keeping dentist fees low, but it could push insurance costs up as insurers absorb the full payment without fees.

Everyday People

• Accountability (helps) — Increases insurer responsibility for paying dentists fully.. Adds clear payment requirement.
• Rights & Protections (helps) — Protects dentists' right to full payment, helping patients keep costs down.. No extra fees allowed.
• Who Bears the Cost (hurts) — Shifts payment cost to insurers, which may raise premiums.. Insurers must cover full amounts.
• Process Transparency (neutral) — No new transparency measures added.. Standard reporting.
• Funding Tilt (neutral) — No funding changes in the bill.. No budget impact stated.

• Official text (MI HB4860)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-4860
• LegiScan — HB4860https://legiscan.com/MI/bill/HB4860/2025

Michigan would require health insurers to use a standard form when checking doctors, and would stop forcing them to break national credentialing rules.

Citizens should watch this bill because it could speed up how quickly doctors join insurance networks, making care easier, while protecting insurers from being forced to ignore national standards.

Insurers

• Accountability (neutral) — neutral. bill adds uniform process but does not add new oversight
• Rights & Protections (neutral) — neutral. does not change consumer right to sue
• Who Bears the Cost (neutral) — neutral. no new cost shift
• Process Transparency (helps) — positive. requires uniform credentialing application
• Funding Tilt (neutral) — neutral. does not allocate money

• Official text (MI HB5513)https://legislature.mi.gov/Bills/Bill?ObjectName=2026-HB-5513
• LegiScan — HB5513https://legiscan.com/MI/bill/HB5513/2025

Health insurers would have to give the state information about their malpractice coverage for newborn care when the department asks.

Citizens should watch this bill because it could help the state see where insurance gaps exist for babies, but it also adds reporting work for insurers that could raise their costs.

Everyday People

• Accountability (helps) — positive. requires insurers to share policy data with state
• Rights & Protections (neutral) — neutral. does not change consumer rights
• Who Bears the Cost (hurts) — negative. adds reporting burden to insurers
• Process Transparency (helps) — positive. creates a clear reporting process for perinatal coverage
• Funding Tilt (neutral) — neutral. no new funding mentioned

• Official text (MI SB0032)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-SB-0032
• LegiScan — SB0032https://legiscan.com/MI/bill/SB0032/2025

Insurers must keep insulin co‑pays at $35 or less, and can’t raise other fees to offset it, helping people who need insulin.

People with diabetes will pay less for their life‑saving insulin, and insurers can’t sneak extra costs onto other medicines, so families keep more money in the budget.

Everyday People

• Accountability (helps) — adds clear cost limit. Insurers must enforce $35 cap for insulin
• Rights & Protections (helps) — improves consumer access. Protects patients from high insulin out‑of‑pocket costs
• Who Bears the Cost (hurts) — possible shift to other drugs. Insurers may raise fees on non‑insulin products
• Process Transparency (neutral) — no new reporting required. Bill does not add transparency measures
• Funding Tilt (neutral) — no funding changes. No new money is allocated or taken

• Official text (MI HB6101)https://legislature.mi.gov/Bills/Bill?ObjectName=2026-HB-6101
• LegiScan — HB6101https://legiscan.com/MI/bill/HB6101/2025

Michigan families with a child aged four to six could claim a $2,500 tax credit, lowering the amount they owe or getting a refund.

The credit puts money back in families' pockets, but it also means the state gets less tax money, so other residents may pay more. Speak up while the bill is just starting.

Everyday People

• Accountability (neutral) — No change to oversight or accountability. Bill adds tax credit, does not affect accountability mechanisms
• Rights & Protections (helps) — Expands tax benefit for families. Creates a new refundable credit for qualifying dependents
• Who Bears the Cost (hurts) — Reduces state revenue, shifting cost to other taxpayers. Credit lowers tax collections, meaning the cost is spread to all residents
• Process Transparency (neutral) — Standard legislative process. Bill is introduced and referred to committee with no special procedures
• Funding Tilt (helps) — Funds directed to families with young children. Tax credit allocates money to qualifying parents rather than general revenue

Pushing for it: Qualified parents
Bearing the cost: Other taxpayers

• Official text (MI HB4487)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-4487
• LegiScan — HB4487https://legiscan.com/MI/bill/HB4487/2025

Electric companies must put a $100 or $200 credit on your bill when you experience multiple long outages each year.

Consumers could see real money back for unreliable service, while utilities may need to absorb the cost or raise rates, so the public should watch the bill as it moves.

Everyday People

• Accountability (helps) — adds automatic credit. ensures utilities respond to outages without needing complaints
• Rights & Protections (helps) — gives customers a monetary right. provides clear credit for service interruptions
• Who Bears the Cost (hurts) — cost falls on utilities, may be passed to rates. utilities absorb credit cost, could increase bills later
• Process Transparency (helps) — commission must announce adjustments. public sees how credits change
• Funding Tilt (neutral) — no new funding. bill does not create new spending

• Official text (MI HB4975)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-4975
• LegiScan — HB4975https://legiscan.com/MI/bill/HB4975/2025

The bill would force electric utilities to pay renters and local governments for costs caused by power outages lasting more than four hours.

If passed, renters whose landlord pays their electric bill could get money after a blackout, easing the cost of spoiled food or a night away from home. Cities could also get money back for emergency responders and cooling centers. Utilities may raise rates to cover these payouts, so voters should watch the bill now.

Everyday People

• Accountability (helps) — Utilities are required to reimburse costs, increasing their responsibility.. Adds clear reimbursement duties for outages.
• Rights & Protections (helps) — Strengthens renters' ability to recover losses from outages.. Provides specific payment amounts for tenants.
• Who Bears the Cost (hurts) — Costs shift from renters and governments to utilities.. Utilities may pass costs to ratepayers.
• Process Transparency (neutral) — Requires filing and commission review, but no major new transparency measures.. Standard claim process with deadlines.
• Funding Tilt (neutral) — No new funding sources or allocations are created.. No budget changes noted.

• Official text (MI HB4974)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-4974
• LegiScan — HB4974https://legiscan.com/MI/bill/HB4974/2025

Michigan health insurers must reimburse collaborative mental‑health services using certain billing codes, unless they can prove the care isn’t medically necessary under parity rules.

The bill would make insurers cover team‑based mental‑health visits, helping people get better care now, but it could raise insurance premiums that everyone may end up paying.

Everyday People

• Accountability (neutral) — Neutral. Bill adds reimbursement rule but does not add new oversight.
• Rights & Protections (helps) — Positive. Expands patient access to collaborative mental health care.
• Who Bears the Cost (hurts) — Negative. Costs shift to insurers, possibly passed to consumers via higher premiums.
• Process Transparency (neutral) — Neutral. Requires director to update CPT code list, modest transparency.
• Funding Tilt (neutral) — Neutral. No new funding, only cost shift.

• Official text (MI HB4685)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-4685
• LegiScan — HB4685https://legiscan.com/MI/bill/HB4685/2025

This bill would make sellers tell you the true yearly property taxes on a house before you buy it, so you know the real cost.

When you buy a house, the property taxes can go up a lot because the home's value is reassessed. This can be a big surprise for new homeowners. This bill would make sure sellers tell you what the yearly property taxes would really be based on the home's current value, not just what they paid. This helps you budget better and avoid unexpected costs after you move in. Some might say it adds a small extra step for sellers, but it gives buyers important information. If you want to avoid big tax surprises when buying a home, this bill could help.

Everyday People

• Accountability (helps) — Sellers must provide clearer tax info. The bill would make sellers accountable for showing property taxes based on the current assessed value, not their historical, lower tax rate.
• Rights & Protections (helps) — Buyers get better financial protection. Buyers would be protected from unexpected, higher property tax bills by knowing the true cost upfront before purchasing a home.
• Who Bears the Cost (helps) — Prevents surprise tax burdens on buyers. While sellers might have a minor extra step, the bill prevents buyers from bearing the unexpected cost of significantly higher property taxes after a sale.
• Process Transparency (helps) — More open information in home sales. The bill would add crucial financial information to the seller's disclosure form, making the home buying process more transparent for buyers.
• Funding Tilt (neutral) — No direct funding impact. The bill does not directly involve government funding or financial allocations.

Pushing for it: Homebuyers
Bearing the cost: Sellers (minor administrative burden)

• Official text (MI HB4110)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-4110
• LegiScan — HB4110https://legiscan.com/MI/bill/HB4110/2025

This bill would make health insurance cover group prenatal care, helping pregnant people get support together.

This is a big win for pregnant people in Michigan. It means they can get important care in a group, which can be better and more affordable. Now is the time to support this bill.

Everyday People

• Rights & Protections (helps) — Increases access to prenatal care. The bill ensures that pregnant people have access to group prenatal care.
• Accountability (helps) — Insurance companies must provide coverage. Insurers will be required to cover these services.
• Funding Tilt (neutral) — No negative financial impact noted. The bill does not shift costs to consumers.

• Official text (MI HB4703)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-4703
• LegiScan — HB4703https://legiscan.com/MI/bill/HB4703/2025

The bill would make health insurers pay for recommended vaccines, so people wouldn’t have to pay out of pocket.

If passed, families could get needed shots without extra costs, protecting kids and adults. It shifts the expense to insurers, not taxpayers. Support it now while the bill is just starting.

Everyday People

• Accountability (helps) — Insurers must meet the new coverage rule. Adds clear duty for insurers to cover vaccines
• Rights & Protections (helps) — Expands consumer rights to vaccine coverage. Ensures people can get recommended shots without paying
• Who Bears the Cost (helps) — Cost shifts to insurers, not consumers. Consumers avoid out‑of‑pocket vaccine expenses
• Process Transparency (neutral) — No new transparency measures. Bill does not change reporting or disclosure rules
• Funding Tilt (neutral) — No funding provisions included. Bill does not allocate money or change fees

• Official text (MI HB5353)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-5353
• LegiScan — HB5353https://legiscan.com/MI/bill/HB5353/2025

This bill would make people who hurt animals pay for the animal's care and stop them from owning pets again, helping protect pets.

This bill is important because it would make sure that people who are cruel to animals face real consequences. Right now, taxpayers often pay for the care of animals rescued from bad situations. This bill would make the person who caused the harm pay instead. It also would help keep animals safe by stopping abusers from owning pets in the future. If you care about animal welfare, this bill is a step in the right direction.

Everyday People

• Accountability (helps) — Increases consequences for animal abuse. The bill would allow courts to order restitution for care and prohibit future animal ownership for convicted abusers.
• Rights & Protections (helps) — Protects animals from further abuse. It would ensure animals seized from abusers are not returned and provides for their care.
• Who Bears the Cost (helps) — Shifts costs from public to abusers. The bill would make convicted abusers pay for the costs of care, investigation, and prosecution of the animal victims.

Pushing for it: Animal control agencies, taxpayers
Bearing the cost: Convicted animal abusers

• Official text (MI HB5361)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-5361
• LegiScan — HB5361https://legiscan.com/MI/bill/HB5361/2025

Health insurers in Michigan must pay for menopause care and cannot make women get prior approval for those medicines.

Women will get needed treatment faster and without extra paperwork, while insurers may raise premiums to cover the new cost, so voters should watch the bill now.

Everyday People

• Rights & Protections (helps) — Expands coverage. Adds required coverage for menopause treatment and bans prior authorization.
• Who Bears the Cost (helps) — Cost shifts to insurers. Insurers must pay for treatment, possibly leading to higher premiums.
• Accountability (neutral) — No new accountability mechanisms. Bill does not create new oversight beyond coverage requirement.
• Process Transparency (neutral) — Standard legislative process. Bill introduced and referred to committee, no special procedures.
• Funding Tilt (neutral) — No funding changes. Bill does not allocate money or change taxes.

• Official text (MI HB4814)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-4814
• LegiScan — HB4814https://legiscan.com/MI/bill/HB4814/2025

Health insurers in Michigan must pay for menopause care and cannot make patients get prior approval for those drugs.

Women will finally get needed menopause care without extra paperwork, but insurers could see higher bills; supporters should push now while the proposal is still early.

Everyday People

• Accountability (helps) — Insurers must provide coverage. Adds coverage requirement
• Rights & Protections (helps) — Removes prior authorization. Patients can get meds directly
• Who Bears the Cost (helps) — Insurers must pay for treatment. No cost to consumers
• Process Transparency (neutral) — Adds rule to code. Simple amendment
• Funding Tilt (neutral) — No new funding. No budget impact

• Official text (MI SB0718)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-SB-0718
• LegiScan — SB0718https://legiscan.com/MI/bill/SB0718/2025

Insurers would have to pay for one breast cancer screening mammogram for women 35 to 39 each five years, and yearly after 40.

The bill helps younger women catch breast cancer early, which can save lives and treatment costs, but it may raise premiums as insurers cover more tests.

Everyday People

• Rights & Protections (helps) — expands coverage to younger women. adds mammogram coverage for women 35-39 and yearly after 40
• Who Bears the Cost (hurts) — insurers pay more. requires insurers to cover additional screenings
• Accountability (neutral) — no change in oversight. does not alter insurer reporting requirements
• Process Transparency (neutral) — bill simply amends code. no new public input mechanisms added
• Funding Tilt (neutral) — no new funding provided. cost shift falls on insurers, not state budget

• Official text (MI HB5199)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-5199
• LegiScan — HB5199https://legiscan.com/MI/bill/HB5199/2025

This bill would give working parents a tax credit for their young children, helping them save money.

If this bill passes, many families could save money on their taxes, making it easier to care for their little ones. Now is the time to support this idea.

Everyday People

• Funding Tilt (helps) — Provides financial relief to families. The tax credit directly benefits working parents.
• Rights & Protections (neutral) — No significant rights changes. This bill focuses on tax credits, not legal rights.

Pushing for it: each qualified dependent
Bearing the cost: Unknown

• Official text (MI HB4488)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-4488
• LegiScan — HB4488https://legiscan.com/MI/bill/HB4488/2025

This bill would give people credits on their electric bills when the power goes out for a long time.

If this bill passes, families will get money back when their power is out. This helps them pay for extra costs like food spoilage. Now is the time to support it.

Everyday People

• Accountability (helps) — Provides automatic credits for outages. Customers will receive credits without needing to ask.
• Rights & Protections (helps) — Gives customers a right to compensation. Customers will be compensated for utility failures.
• Who Bears the Cost (neutral) — Utilities will cover the costs of credits. Utilities will pay for the credits given to customers.
• Process Transparency (neutral) — Adjustments to credits will be public. The commission will announce credit adjustments.

• Official text (MI HB4973)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-4973
• LegiScan — HB4973https://legiscan.com/MI/bill/HB4973/2025

This bill would stop landlords from only using your credit score to decide if you can rent, and let you reuse screening reports to save money.

This bill would help people who might have a low credit score but are still good renters. It would make landlords look at other things too, not just one number. It would also save you money because you could use the same report for many places instead of paying for a new one each time. Landlords might say it makes it harder to quickly pick tenants. But for regular people, this bill means a fairer chance at finding a home and less money spent on applications. It is still new, so now is the time to tell your lawmakers what you think.

Everyday People

• Accountability (helps) — Landlords must be more open about screening.. Landlords would have to tell prospective tenants in writing what information they will use to screen them and what criteria could lead to a denial.
• Rights & Protections (helps) — Tenants get more protection against unfair denials.. Prospective tenants would be protected from being denied a rental unit solely based on their credit score, giving them a fairer chance.
• Who Bears the Cost (helps) — Tenants save money on application fees.. Tenants could save money by reusing screening reports and would not pay an application fee if a landlord accepts their reusable report.
• Process Transparency (helps) — Clearer rules for rental applications.. Landlords would need to clearly state their screening process and denial criteria before accepting an application or fee.
• Funding Tilt (neutral) — No direct funding changes.. This bill does not directly involve government funding or tilt it towards specific groups.

Pushing for it: Tenants (through saved application fees)
Bearing the cost: Landlords (through lost application fee revenue)

• Official text (MI HB4995)https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-4995
• LegiScan — HB4995https://legiscan.com/MI/bill/HB4995/2025