All Roll Calls
Yes: 163 • No: 12
MichiganSB 10132025-2026 Regular SessionSenate
Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Adds sec. 2027a of 1956 PA 218 (MCL 500.2027a). Last Action: ASSIGNED PA 0098'26 WITH IMMEDIATE EFFECT
Sponsored By: Jeremy Moss (Democratic)
Signed by Governor
Insurance: no-faultInsurance: insurersState agencies (existing): insurance and financial services
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Michigan policyholders gain insurance pricing protections
Effective immediately, Michigan bans property and casualty insurers from using price optimization to set rates. This means pricing based on willingness to pay through adjustments unsupported by insurance risk calculations and unrelated to loss risk or expenses. The ban covers using predicted shopping, early cancellation, nonrenewal, or complaints to set such prices. It also covers estimates of willingness to pay more and measures of how consumers respond to price changes. These practices count as unfair or deceptive insurance practices under Michigan law. The law does not set a dollar amount of savings.
Sponsors & Cosponsors
Sponsor
Jeremy Moss
Democratic • Senate
Cosponsors
Jeff Irwin
Democratic • Senate
Mallory McMorrow
Democratic • Senate
Mary Cavanagh
Democratic • Senate
Stephanie Chang
Democratic • Senate
Roll Call Votes
Senate vote • 9/9/2026
HOUSE AMENDMENT(S) CONCURRED IN
Yes: 32 • No: 2 • Other: 4
House vote • 8/25/2026
passed; given immediate effect
Yes: 97 • No: 7 • Other: 6
Senate vote • 7/2/2026
PASSED
Yes: 34 • No: 3 • Other: 1
Actions Timeline
ASSIGNED PA 0098'26 WITH IMMEDIATE EFFECT
9/22/2026SenateFILED WITH SECRETARY OF STATE 9/21/2026 11:22 AM
9/22/2026SenateAPPROVED BY GOVERNOR 9/21/2026 9:40 AM
9/22/2026SenatePRESENTED TO GOVERNOR 9/15/2026 1:34 PM
9/22/2026SenateORDERED ENROLLED
9/9/2026SenateFULL TITLE AGREED TO
9/9/2026SenateGIVEN IMMEDIATE EFFECT
9/9/2026SenateHOUSE AMENDMENT(S) CONCURRED IN ROLL CALL # 230 YEAS 32 NAYS 2 EXCUSED 4 NOT VOTING 0
9/9/2026SenateRULES SUSPENDED FOR IMMEDIATE CONSIDERATION
9/9/2026SenatePASSED BY HOUSE WITH AMENDMENT(S) WITH IMMEDIATE EFFECT
9/9/2026Housereturned to Senate
8/25/2026Houseinserted full title
8/25/2026Housepassed; given immediate effect Roll Call #349 Yeas 97 Nays 7 Excused 0 Not Voting 6
8/25/2026Houseread a third time
8/25/2026Houseplaced on immediate passage
8/25/2026Houseplaced on third reading
8/25/2026Houseamended
8/25/2026Houseread a second time
8/25/2026Houseplaced on second reading
8/25/2026Housemotion to discharge committee approved
8/25/2026Houserule suspended
8/25/2026Housereferred to Committee on Insurance
7/3/2026Houseread a first time
7/3/2026Housereceived on 07/02/2026
7/2/2026HousePASSED ROLL CALL # 172 YEAS 34 NAYS 3 EXCUSED 1 NOT VOTING 0
7/2/2026Senate
Bill Text
Public Act
9/21/2026
As Passed by the Senate
9/9/2026
Senate Concurred
9/9/2026
As Passed by the House
8/25/2026
Introduced
6/2/2026
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