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Obillerate · Watchdog

Michigan Bill Book

2026

The Michigan bills that matter most, scored 1–10 on who they really help — with the receipts. One bill per page. Free to read, print and share.

66 bills scored · data as of 2026-09-11

How to read this book

The score.Every bill gets a 1–10 on one question: does it help or hurt everyday people? 1 hurts, 10 helps, 5–6 is mixed. The score is our editorial judgement — so every page shows the reasoning behind it, factor by factor. That section is the “receipts”, and it is the part no other bill list gives you.

How bills were chosen. Ranked, not cherry-picked. This edition prints the 10 lowest-scoring and 10 highest-scoring of the 66 bills we have fully analysed for Michigan. A bill only qualifies if it passed our verification step, has a recorded official status, and has its reasoning attached. Thin entries are left out rather than padded.

Lowest-scoring is not the same as evil. Only 143 bills in the entire country score 3 or below, so in most states the bottom of the list includes bills that are simply mixed. We label each one for what it is instead of inflating it.

These are proposals, not law — unless the status line says otherwise. Bills move constantly; each page shows the status we recorded on 2026-09-11 and links to the live version.

Bill data from LegiScan (CC BY 4.0), Congress.gov and OpenStates. Analysis and scoring are Obillerate's own. Editorial opinion, not legal advice — always read the official text before acting. Spot an error? www.obillerate.com/corrections

10 lowest-scoring

The worst Michigan bills

Ranked from the lowest score up. These are the ones most likely to cost you money, rights or recourse.

MI HB4825 · Money & Damages

Michigan wants to give beverage distributors a new tax break

Corporate income tax: credits; distributor credit for returnable containers; provide for. Amends 1967 PA 281 (MCL 206.1 - 206.847) by adding secs. 279 & 679. TIE BAR WITH: HB 4823'25 · Introduced as of 2025-08-27

4/10
Mixed

Mixed: some good, some bad — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill would give beverage companies a half-cent tax break for every returnable bottle or can they sell.

What it means for you

Michigan has a famous 10-cent bottle deposit law to encourage recycling. Right now, the companies that supply the drinks have to handle the empty bottles as part of their business. This bill would give those distributors a new tax credit of half a cent per container to help cover their costs. If their tax break is bigger than the taxes they owe, the state will cut them a check for the difference. It is basically using public tax dollars to pay beverage companies for a cost they currently handle themselves.

Who it's for

Beverage distributors

Why it scores 4/10 — the receipts

  • Accountability (neutral) Neutral. The bill does not change legal accountability or liability for companies.
  • Rights & Protections (neutral) Neutral. The bill does not impact consumer rights or protections.
  • Who Bears the Cost (hurts) Shifts costs to taxpayers. By giving a refundable tax credit, the state loses tax revenue to subsidize the operating costs of beverage distributors.
  • Process Transparency (neutral) Neutral. Companies must attach a required report to their tax returns to claim the credit.
  • Funding Tilt (hurts) Direct industry subsidy. The bill creates a direct financial benefit for beverage distributors, including cash refunds if the credit exceeds their tax liability.

Follow the money

Pushing for it: Beverage distributors
Bearing the cost: Michigan state budget

Who's behind it

Bipartisan sponsorship (9R / 5D)

How they voted

House · 2025-10-23 passed
Yes 10R/6D · No 0R/0D

Read it yourself

MI HB4825 · Michigan Bill Book 2026 · page 1 of 20www.obillerate.com/bill/mi-hb4825-042807

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB5293 · Work & Wages

Employers could pocket half of new workers' state income taxes

Individual income tax: credit; payroll withholding credit; provide for. Amends 1967 PA 281 (MCL 206.1 - 206.847) by adding sec. 714. TIE BAR WITH: HB 5292'25 · Introduced as of 2025-11-13

4/10
Mixed

Mixed: some good, some bad — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill allows businesses to keep half of the state income taxes they withhold from new employees, diverting up to $50 million a year from public funds to employers.

What it means for you

Instead of sending your withheld income taxes to the state to pay for roads and schools, this bill lets your boss keep half of it as a reward for hiring. While it does require these new jobs to pay well above the local average, it is essentially a $50 million yearly subsidy for businesses paid directly out of the taxes withheld from workers. Half of the money is set aside specifically for massive corporations with over 1,000 employees.

Who it's for

Big Business

Why it scores 4/10 — the receipts

  • Who Bears the Cost (hurts) Diverts employee tax withholding to employers.. The bill allows employers to keep up to $50 million a year in state income taxes that are withheld from workers' paychecks, reducing money for public services.
  • Funding Tilt (hurts) Subsidizes businesses, but with strict wage rules.. While it gives millions to large corporations, it does require the new jobs to pay 150 percent of the local average wage and penalizes companies that lay off existing workers.

Follow the money

Pushing for it: Employers ($50,000,000)
Bearing the cost: State public funds ($50,000,000)

Who's behind it

Republican-sponsored (2R / 0D)

Read it yourself

MI HB5293 · Michigan Bill Book 2026 · page 2 of 20www.obillerate.com/bill/mi-hb5293-052415

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB5787 · Money & Damages

Big tech gets decades of tax breaks for data centers

Sales tax: exemptions; compliance with enterprise data center construction labor act; require. Amends sec. 4ee of 1933 PA 167 (MCL 205.54ee). TIE BAR WITH: HB 5785'26, HB 5786'26 · Introduced as of 2026-04-14

4/10
Mixed

Mixed: some good, some bad — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill would excuse tech companies from paying sales taxes on data center equipment until 2050, as long as they create jobs and use clean energy.

What it means for you

Data centers are massive warehouses of computer servers that use a ton of electricity and water. This bill offers tech giants a sweet deal: skip paying state sales taxes on their equipment for the next 25 to 40 years. In exchange, the companies have to hit job creation goals, build green facilities, and buy clean energy. While the environmental and labor rules are good protections, ordinary taxpayers are still left footing the bill for the taxes these billion-dollar companies get to skip.

Who it's for

Big Business

Why it scores 4/10 — the receipts

  • Accountability (helps) The state can revoke the tax break if companies fail to meet the job, green energy, or labor requirements.. The Michigan strategic fund shall revoke a certificate... if it determines a facility no longer meets the definition of an enterprise data center.
  • Rights & Protections (neutral) Does not directly impact consumer legal rights.. The bill focuses on corporate tax exemptions and compliance metrics.
  • Who Bears the Cost (hurts) Shifts the tax burden away from highly profitable tech companies onto everyday taxpayers for decades.. The sale of data center equipment... is exempt from the tax imposed by this act through December 31, 2050 or... through December 31, 2065.
  • Process Transparency (helps) Requires the state to track and report how many jobs are actually created by these tax breaks.. The Michigan strategic fund shall submit a report no later than April 1, 2026 related to the number of data center industry jobs... established since January 1, 2016.
  • Funding Tilt (hurts) Provides a massive, long-term financial subsidy to a specific, wealthy industry.. Exempts data center equipment from the General Sales Tax Act.

Follow the money

Pushing for it: Tech companies building data centers
Bearing the cost: Michigan taxpayers

Who's behind it

Democrat-sponsored (0R / 1D)

Read it yourself

MI HB5787 · Michigan Bill Book 2026 · page 3 of 20www.obillerate.com/bill/mi-hb5787-142958

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB4128 · Money & Damages

Michigan proposes tax breaks for small nuclear power plants

Corporate income tax: credits; credit for advanced small modular reactor generated power; provide for. Amends 1967 PA 281 (MCL 206.1 - 206.847) by adding sec. 678. TIE BAR WITH: HB 4127'25, HB 4129'25, HB 4125'25, HB 4126'25, HB 4124'25 · Engrossed as of 2025-10-28

5/10
Mixed

Mixed: some good, some bad — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill would give a tax break to energy companies that build or upgrade small nuclear power plants in Michigan.

What it means for you

This bill is currently moving through the state legislature. It wants to encourage more nuclear energy by letting power companies pay less in taxes. Supporters say we need this to create reliable power for the future. But others might argue it is just a handout to big utility companies, which leaves the state with less tax money to spend on regular people.

Who it's for

Nuclear energy companies

Why it scores 5/10 — the receipts

  • Who Bears the Cost (hurts) Shifts tax burden. The state loses corporate tax revenue to pay for these energy subsidies.
  • Funding Tilt (hurts) Corporate subsidy. The financial benefits go directly to large utility and energy companies.

Follow the money

Pushing for it: Nuclear energy companies
Bearing the cost: Michigan state tax revenue

Who's behind it

Bipartisan sponsorship (11R / 3D)

How they voted

House · 2025-10-28 passed
Yes 52R/26D · No 5R/21D

Read it yourself

MI HB4128 · Michigan Bill Book 2026 · page 4 of 20www.obillerate.com/bill/mi-hb4128-982810

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB5236 · Housing & Property

Michigan updates old wording in property tax credit rules

Individual income tax: property tax credit; definition of homestead; modify. Amends sec. 508 of 1967 PA 281 (MCL 206.508). · Introduced as of 2025-11-06

5/10
Mixed

Mixed: some good, some bad — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill just fixes grammar and removes old dates in the state rules for property tax credits, so it does not change how much money you pay or save.

What it means for you

Sometimes lawmakers just need to clean up old rulebooks. This bill takes out a leftover date from 1990 and changes clunky words to simpler ones. It will not change who gets a property tax credit or how much they get. It is just a basic housekeeping chore for the state.

Who it's for

Nobody / Symbolic

Why it scores 5/10 — the receipts

  • Accountability (neutral) No changes to accountability.. The bill only updates grammar and does not change how the state handles claims.
  • Rights & Protections (neutral) No changes to rights.. The rules for who qualifies for a homestead tax credit stay exactly the same.
  • Who Bears the Cost (neutral) No cost shift.. Tax rates and credit amounts are not changed by this bill.
  • Process Transparency (neutral) No changes to transparency.. It just removes an old date from 1990 to clean up the text.
  • Funding Tilt (neutral) No funding changes.. No money is moved or spent by these wording updates.

Who's behind it

Republican-sponsored (3R / 0D)

How they voted

House · 2026-05-20 passed
Yes 7R/2D · No 0R/0D

Read it yourself

MI HB5236 · Michigan Bill Book 2026 · page 5 of 20www.obillerate.com/bill/mi-hb5236-051811

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB5395 · Housing & Property

Michigan proposes updates to its brownfield redevelopment tax program

Economic development: brownfield redevelopment authority; brownfield tax increment financing credits; modify. Amends secs. 2, 12, 13 & 13b of 1996 PA 381 (MCL 125.2652 et seq.). · Introduced as of 2025-12-17

5/10
Mixed

Mixed: some good, some bad — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill would update the rules for a state program that gives tax breaks to developers who clean up and rebuild on polluted or abandoned properties.

What it means for you

Brownfield programs are a mixed bag. They help clean up dangerous, blighted areas that desperately need it, but they do so by letting developers keep tax money that would otherwise fund local schools and services. Because the available text only shows the definitions section, we cannot see exactly how the tax credits are being changed. Until the full details are clear, it is hard to say if this bill gives too much away to developers or if it protects taxpayers.

Who it's for

Real Estate Developers

Why it scores 5/10 — the receipts

  • Accountability (neutral) Neutral. The provided text does not contain changes to oversight or accountability.
  • Rights & Protections (neutral) Neutral. The bill does not directly affect consumer rights or protections.
  • Who Bears the Cost (neutral) Unclear effect. While brownfield programs use tax capture, the text does not show if this bill increases or decreases that cost to taxpayers.
  • Process Transparency (neutral) Neutral. No changes to public reporting or transparency are visible in the excerpt.
  • Funding Tilt (neutral) Unclear effect. The bill modifies a program that funds developers, but the exact changes to the funding structure are not included in the text.

Follow the money

Pushing for it: Real estate developers
Bearing the cost: Local tax revenues

Who's behind it

Democrat-sponsored (0R / 3D)

Read it yourself

MI HB5395 · Michigan Bill Book 2026 · page 6 of 20www.obillerate.com/bill/mi-hb5395-059563

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB5809 · Housing & Property

Coordinates state housing rules for community development tax credits

Housing: housing development authority; eligibility for credits under the community development tax credit program; coordinate with Michigan strategic fund. Amends sec. 22 of 1966 PA 346 (MCL 125.1422) & adds sec. 22e. TIE BAR WITH: HB 5798'26, HB 5799'26 · Introduced as of 2026-04-16

5/10
Mixed

Mixed: some good, some bad — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill updates the rules for how the state housing authority works with other agencies to handle community development tax credits.

What it means for you

This looks like a routine paperwork bill. It updates the powers of the state housing authority and connects them with the Michigan Strategic Fund to manage tax credits for community development. Because the actual new rules are missing from the provided text, it is hard to say exactly how it will work, but it does not appear to take away any rights or add new costs for regular people.

Who it's for

Everyday People

Why it scores 5/10 — the receipts

  • Accountability (neutral) Administrative update.. The bill does not change how anyone is held accountable in court.
  • Rights & Protections (neutral) No rights changed.. The text does not add or remove any consumer protections.
  • Who Bears the Cost (neutral) No obvious cost shift.. There are no new fees or costs placed on regular people.
  • Process Transparency (neutral) Standard agency coordination.. It connects two state agencies to handle a tax credit program.
  • Funding Tilt (neutral) Tax credit coordination.. It deals with community development tax credits, but the exact funding details are not in the text.

Who's behind it

Republican-sponsored (2R / 0D)

Read it yourself

MI HB5809 · Michigan Bill Book 2026 · page 7 of 20www.obillerate.com/bill/mi-hb5809-143686

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB5791 · Money & Damages

Michigan adds green rules to tech company tax breaks

Use tax: other; requirements for enterprise data centers; modify. Amends sec. 4cc of 1937 PA 94 (MCL 205.94cc). · Introduced as of 2026-04-14

5/10
Mixed

Mixed: some good, some bad — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill makes large data centers prove they are reducing their environmental impact before they can get a massive state tax break.

What it means for you

Data centers are giant warehouses full of computers that run the internet. They use a massive amount of electricity and water. This bill is part of an ongoing plan to give big tech companies huge tax breaks to build in Michigan. Giving away tax money usually hurts regular people because the state has less money for schools and roads. However, this specific bill adds a good rule: it forces these giant companies to take direct steps to clean up their environmental mess to get the free pass. If they do not follow the green rules, they lose the tax break.

Who it's for

Big Business

Why it scores 5/10 — the receipts

  • Who Bears the Cost (hurts) Corporate tax breaks. Giving tax exemptions to large data centers means the state collects less money for public services, shifting the burden to regular taxpayers.
  • Accountability (helps) Environmental rules. The bill forces companies to prove they are using clean energy and reducing pollution to keep their tax break.
  • Funding Tilt (hurts) Favors big tech. The tax exemptions are specifically designed for massive enterprise data centers, a benefit ordinary businesses do not receive.

Follow the money

Pushing for it: Data center owners
Bearing the cost: Michigan taxpayers

Who's behind it

Democrat-sponsored (0R / 1D)

Read it yourself

MI HB5791 · Michigan Bill Book 2026 · page 8 of 20www.obillerate.com/bill/mi-hb5791-143000

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB5649 · Work & Wages

Michigan businesses could get tax breaks for training young workers

Corporate income tax: credits; employer credit for certain apprenticeship and career and technical education programs: provide for. Amends 1967 PA 281 (MCL 206.1 - 206.847) by adding secs. 279 & 672. · Introduced as of 2026-03-03

6/10
Mixed

Mixed: some good, some bad — on our 1–10 scale, 1 hurts and 10 helps.

What it does

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

What it means for you

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.

Who it's for

Big Business

Why it scores 6/10 — the receipts

  • 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.

Follow the money

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

Who's behind it

Republican-sponsored (19R / 0D)

Read it yourself

MI HB5649 · Michigan Bill Book 2026 · page 9 of 20www.obillerate.com/bill/mi-hb5649-128552

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB4860 · Healthcare & Insurance

Dentists must get full payment, no extra fees

Insurance: health insurers; methods of payments and reimbursements for dental benefits; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ss. · Engrossed as of 2025-11-06

6/10
Mixed

Mixed: some good, some bad — on our 1–10 scale, 1 hurts and 10 helps.

What it does

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

What it means for you

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.

Who it's for

Everyday People

Why it scores 6/10 — the receipts

  • 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.

Who's behind it

Republican-sponsored (1R / 0D)

How they voted

House · 2025-11-06 passed
Yes 55R/44D · No 1R/0D

Read it yourself

MI HB4860 · Michigan Bill Book 2026 · page 10 of 20www.obillerate.com/bill/mi-hb4860-043584

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

10 highest-scoring

The best Michigan bills

The other half of the record: bills that would actually help everyday people.

MI SB0135 · Healthcare & Insurance

Michigan moves to lock in federal health care protections

Insurance: health insurers; compliance with affordable care act coverage; modify. Amends secs. 3403, 3406z, 3406bb & 3406ii of 1956 PA 218 (MCL 500.3403 et seq.). · Engrossed as of 2025-04-17

10/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill forces health insurance companies to cover essential care, let kids stay on their parents' plans until age 26, and stop putting dollar limits on your health benefits.

What it means for you

This is a major win for regular people. Right now, many of our health insurance rules rely on federal law. If that federal law ever goes away, insurance companies could go back to capping your benefits or charging you for basic checkups. This bill writes those protections directly into state law. It means you will not face lifetime dollar limits on your care, your kids can stay on your plan longer, and mental health care must be treated just like physical health care.

Who it's for

Everyday People

Why it scores 10/10 — the receipts

  • Rights & Protections (helps) Locks in patient rights. The bill guarantees coverage for essential health benefits and bans lifetime dollar limits on care.
  • Who Bears the Cost (helps) Lowers patient costs. It bans insurance companies from charging copays for preventive care like vaccines and screenings.
  • Accountability (helps) Strict rules for insurers. Insurers must treat mental health care exactly the same as physical health care when setting rules and limits.

Follow the money

Pushing for it: Patients saving on out-of-pocket costs
Bearing the cost: Insurance companies paying for more care

How they voted

Senate · 2025-04-17 passed
Yes 17R/19D · No 0R/0D

Read it yourself

MI SB0135 · Michigan Bill Book 2026 · page 11 of 20www.obillerate.com/bill/mi-sb0135-004278

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI SB1033 · Healthcare & Insurance

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 as of 2026-06-10

10/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

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

What it means for you

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.

Who it's for

Everyday People

Why it scores 10/10 — the receipts

  • Rights & Protections (helps) Expands consumer protections. Eliminates all out-of-pocket costs for insulin and essential diabetes supplies.
  • Who Bears the Cost (helps) Shifts cost away from patients. Forces insurance companies to cover the full cost of insulin and supplies instead of passing it to consumers.

Who's behind it

Democrat-sponsored (0R / 2D)

Read it yourself

MI SB1033 · Michigan Bill Book 2026 · page 12 of 20www.obillerate.com/bill/mi-sb1033-153479

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB4110 · Housing & Property

Michigan wants sellers to show real property taxes

Property: land sales; seller disclosure statement; require to reflect yearly property taxes based on current assessed value of property. Amends sec. 7 of 1993 PA 92 (MCL 565.957). · Introduced as of 2025-02-25

9/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

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.

What it means for you

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.

Who it's for

Everyday People

Why it scores 9/10 — the receipts

  • 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.

Follow the money

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

Who's behind it

Democrat-sponsored (0R / 6D)

Read it yourself

MI HB4110 · Michigan Bill Book 2026 · page 13 of 20www.obillerate.com/bill/mi-hb4110-983411

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB4095 · Healthcare & Insurance

Michigan bill speeds up mental health doctor approvals

Insurance: insurers; insurance providers to panel a mental health provider within a certain time period of application process; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ss. · Introduced as of 2025-02-20

9/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill would make insurance companies approve mental health doctors much faster, so people can get the care they need without long waits.

What it means for you

This bill is important because it would help people get mental health and addiction care more quickly. Right now, it can take a long time for insurance companies to add new doctors to their plans, which means patients wait longer for appointments. This bill would make insurers decide within 60 days and even pay doctors if they take too long, as long as the doctor is qualified. Some might say that insurers need more time to check if doctors are good enough, but this bill tries to balance that by giving a short extension for tricky cases. If this bill passes, it could mean faster access to care for many people.

Who it's for

Everyday People

Why it scores 9/10 — the receipts

  • Accountability (helps) Insurers must meet strict deadlines. The bill requires insurers to assess and decide on provider applications within 60 days, holding them accountable for timely processing.
  • Rights & Protections (helps) Improves access to mental health care. By speeding up provider credentialing, the bill protects a person's right to access mental health and substance use disorder services more quickly.
  • Who Bears the Cost (helps) Insurers bear costs of delays. Insurers would be required to reimburse providers for services if they fail to approve or deny applications within the set timeframes, shifting the cost of delays to the insurer.
  • Process Transparency (helps) Clearer application process for providers. Insurers must provide written decisions and clear communication about incomplete applications, making the process more transparent for providers.
  • Funding Tilt (neutral) No direct state funding impact. This bill primarily impacts private insurance operations and does not involve state funding or appropriations.

Follow the money

Pushing for it: Patients seeking mental health care, mental health providers
Bearing the cost: Insurance companies

Who's behind it

Democrat-sponsored (0R / 7D)

Read it yourself

MI HB4095 · Michigan Bill Book 2026 · page 14 of 20www.obillerate.com/bill/mi-hb4095-977614

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB4468 · Healthcare & Insurance

Michigan bill forces insurers to cover gender transition care

Insurance: health insurers; coverage for adverse consequences related to gender transition and reversal of gender transition; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ww. · Engrossed as of 2026-06-03

9/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

Health insurers in Michigan must pay for all medical problems and follow‑up care linked to gender transition, even if a person later wants to reverse it.

What it means for you

Transgender Michiganders will finally have insurance that pays for surgery risks and any needed reversal, so they won’t face huge bills. Insurers will have to add these costs, which may raise premiums, but the added protection matters now as the bill moves through the House.

Who it's for

Everyday People

Why it scores 9/10 — the receipts

  • Accountability (neutral) Neutral. Bill does not change oversight mechanisms.
  • Rights & Protections (helps) Positive. Expands insurance coverage for transgender individuals.
  • Who Bears the Cost (hurts) Negative. Costs shift to health insurers, possibly affecting premiums.
  • Process Transparency (neutral) Neutral. Bill does not alter filing or disclosure processes.
  • Funding Tilt (neutral) Neutral. No new funding provisions are included.

Who's behind it

Republican-sponsored (15R / 0D)

How they voted

House · 2026-06-03 passed
Yes 58R/0D · No 0R/48D

Read it yourself

MI HB4468 · Michigan Bill Book 2026 · page 15 of 20www.obillerate.com/bill/mi-hb4468-029346

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB4703 · Healthcare & Insurance

New bill requires insurance to cover group prenatal care services

Insurance: health insurers; coverage for group prenatal care services; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ss. · Engrossed as of 2026-06-25

9/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

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

What it means for you

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.

Who it's for

Everyday People

Why it scores 9/10 — the receipts

  • 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.

Who's behind it

Republican-sponsored (18R / 3D)

How they voted

House · 2026-06-03 passed
Yes 7R/2D · No 0R/0D

Read it yourself

MI HB4703 · Michigan Bill Book 2026 · page 16 of 20www.obillerate.com/bill/mi-hb4703-038332

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB5353 · Healthcare & Insurance

Michigan bill would force insurers to cover recommended vaccines

Insurance: health insurers; coverage for certain recommended immunizations; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406uu. TIE BAR WITH: HB 5351'25 · Introduced as of 2025-12-10

9/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

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

What it means for you

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.

Who it's for

Everyday People

Why it scores 9/10 — the receipts

  • 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

Who's behind it

Democrat-sponsored (0R / 21D)

Read it yourself

MI HB5353 · Michigan Bill Book 2026 · page 17 of 20www.obillerate.com/bill/mi-hb5353-058039

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB5361 · Criminal Justice

Animal abusers must pay for pet care, lose ownership rights

Crimes: animals; restitution for care and treatment of certain forfeited animals; impose penalty on ownership of animal to person convicted of certain crimes against animal. Amends sec. 50b of 1931 PA 328 (MCL 750.50b). · Introduced as of 2025-12-11

9/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

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

What it means for you

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.

Who it's for

Everyday People

Why it scores 9/10 — the receipts

  • 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.

Follow the money

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

Who's behind it

Republican-sponsored (1R / 0D)

Read it yourself

MI HB5361 · Michigan Bill Book 2026 · page 18 of 20www.obillerate.com/bill/mi-hb5361-058390

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI SB0400 · Healthcare & Insurance

Michigan moves to ban insurance delays for addiction medicine

Insurance: health insurers; prior authorization for certain opioid use disorder and alcohol use disorder medications; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ww. · Engrossed as of 2025-07-01

9/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill would stop health insurance companies from making patients wait for approval before getting medicine to treat opioid or alcohol addiction.

What it means for you

When someone is ready to get help for an addiction, making them wait days for their insurance company to approve the medicine can be dangerous. This bill cuts the red tape and lets doctors prescribe treatment right away. It passed the Senate without a single no vote and is now moving through the House.

Who it's for

Everyday People

Why it scores 9/10 — the receipts

  • Rights & Protections (helps) Expands access to care. Patients would get immediate access to life-saving addiction medications without waiting for insurance approval.
  • Accountability (helps) Stops insurers from delaying care. Health insurance companies would lose the power to stall or deny these specific prescribed treatments.
  • Process Transparency (helps) Removes red tape. Eliminates the hidden, often confusing prior authorization process for these drugs.
  • Who Bears the Cost (neutral) Insurers pay without delay. Doctors and patients would no longer have to spend time and money fighting for approval.
  • Funding Tilt (neutral) Neutral. The bill does not change state funding or taxes.

How they voted

Senate · 2025-07-01 passed
Yes 18R/18D · No 0R/0D

Read it yourself

MI SB0400 · Michigan Bill Book 2026 · page 19 of 20www.obillerate.com/bill/mi-sb0400-036785

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

MI HB4008 · Money & Damages

Michigan wants to pay volunteer firefighters and medics

Individual income tax: credit; qualified volunteers credit; create. Amends 1967 PA 281 (MCL 206.1 - 206.847) by adding sec. 281. · Introduced as of 2025-01-14

9/10
Helps you

Good for everyday people — on our 1–10 scale, 1 hurts and 10 helps.

What it does

This bill would give a 2,500 dollar tax credit to volunteer firefighters and emergency medical workers who serve at least ten hours a month.

What it means for you

Volunteer firefighters and medics keep our communities safe. But they give up a lot of their own time and money to do it. This bill rewards them with a 2,500 dollar tax break. If they owe less than that in taxes, the state will send them a check for the rest. It is a great way to help the people who help us in emergencies. Now is the time to tell lawmakers if you support rewarding our local heroes.

Who it's for

Everyday People

Why it scores 9/10 — the receipts

  • Funding Tilt (helps) Direct cash benefit. The bill creates a refundable 2,500 dollar tax credit that puts money directly into the pockets of everyday citizens who volunteer.
  • Accountability (helps) Requires proof of service. Volunteers must provide a signed statement from their department head proving they worked the required hours and followed all rules.

Follow the money

Pushing for it: Volunteer firefighters and medics
Bearing the cost: Michigan state budget

Who's behind it

Republican-sponsored (2R / 0D)

Read it yourself

MI HB4008 · Michigan Bill Book 2026 · page 20 of 20www.obillerate.com/bill/mi-hb4008-918189

Bills move. This page shows the status recorded on 2026-09-11 — check the link above for the live status. Scores are editorial opinion, not legal advice. Wrong? www.obillerate.com/corrections

Index by bill number

  • HB4008 9/10 · Michigan wants to pay volunteer firefighters and medics
  • HB4095 9/10 · Michigan bill speeds up mental health doctor approvals
  • HB4110 9/10 · Michigan wants sellers to show real property taxes
  • HB4128 5/10 · Michigan proposes tax breaks for small nuclear power plants
  • HB4468 9/10 · Michigan bill forces insurers to cover gender transition care
  • HB4703 9/10 · New bill requires insurance to cover group prenatal care services
  • HB4825 4/10 · Michigan wants to give beverage distributors a new tax break
  • HB4860 6/10 · Dentists must get full payment, no extra fees
  • HB5236 5/10 · Michigan updates old wording in property tax credit rules
  • HB5293 4/10 · Employers could pocket half of new workers' state income taxes
  • HB5353 9/10 · Michigan bill would force insurers to cover recommended vaccines
  • HB5361 9/10 · Animal abusers must pay for pet care, lose ownership rights
  • HB5395 5/10 · Michigan proposes updates to its brownfield redevelopment tax program
  • HB5649 6/10 · Michigan businesses could get tax breaks for training young workers
  • HB5787 4/10 · Big tech gets decades of tax breaks for data centers
  • HB5791 5/10 · Michigan adds green rules to tech company tax breaks
  • HB5809 5/10 · Coordinates state housing rules for community development tax credits
  • SB0135 10/10 · Michigan moves to lock in federal health care protections
  • SB0400 9/10 · Michigan moves to ban insurance delays for addiction medicine
  • SB1033 10/10 · Michigan bill would ban insurance copays for insulin and supplies

Michigan Bill Book 2026 · data as of 2026-09-11 · www.obillerate.com/library/2026/mi