Laws & Statutes › MI › MI-HB-4536
HB-4536
MI · State · USA
MI
USA
● Pending
Michigan House Bill No. 4536 — An act to amend 1956 PA 218, entitled "The insurance code of 1956," (MCL 500.100 to 500.8302) by adding section 3406ss
Michigan HB 4536 would prohibit health insurers that deliver, issue for delivery, or renew health insurance policies in Michigan from denying, modifying, or delaying a claim based on a review using artificial intelligence. The bill is extremely brief — a single operative sentence added to the Insurance Code of 1956. It contains no definitions of 'artificial intelligence,' no exceptions or safe harbors, no private right of action, and no specific penalty provisions. Enforcement would fall to the Michigan Department of Insurance and Financial Services under its general Insurance Code authority. The bill was introduced on June 3, 2025 and referred to the Committee on Communications and Technology.
Passage Likelihood
Low
Chamber No passage
Committee No action
Majority party Yes
Bipartisan No
Prior session None
Legislative History
2025-06-03 introduced Introduced By Representative Rep. Carrie Rheingans
2025-06-03 committee referral Referred To Committee On Communications And Technology
2025-06-03 Read A First Time Read A First Time
2025-06-04 Bill Electronically Reproduced 06/03/2025 Bill Electronically Reproduced 06/03/2025
2025-09-18 committee referral Referred To Committee On Insurance
2025-09-18 Rule Suspended Rule Suspended
2025-09-18 Motion To Discharge Committee Approved Motion To Discharge Committee Approved
2025-09-18 Placed On Second Reading Placed On Second Reading
2026-03-19 committee referral Referred To Committee On Communications And Technology
2026-03-19 Rule Suspended Rule Suspended
2026-03-19 Motion To Discharge Committee Approved Motion To Discharge Committee Approved
2026-03-19 Placed On Second Reading Placed On Second Reading
2026-03-19 Re-referred To Committee On Communications And Technology Re-referred To Committee On Communications And Technology
Mapped Requirements
HC-01 Healthcare AI Decision Restrictions
Official Sources
Full Text ↗
Entry Last Reviewed
2026-04-21
AI generated
Summary

Michigan HB 4536 would prohibit health insurers that deliver, issue for delivery, or renew health insurance policies in Michigan from denying, modifying, or delaying a claim based on a review using artificial intelligence. The bill is extremely brief — a single operative sentence added to the Insurance Code of 1956. It contains no definitions of 'artificial intelligence,' no exceptions or safe harbors, no private right of action, and no specific penalty provisions. Enforcement would fall to the Michigan Department of Insurance and Financial Services under its general Insurance Code authority. The bill was introduced on June 3, 2025 and referred to the Committee on Communications and Technology.

Enforcement & Penalties
Enforcement Authority
The Michigan Department of Insurance and Financial Services (DIFS) has general enforcement authority over the Insurance Code of 1956. No private right of action is created by this provision. Enforcement would be agency-initiated through existing regulatory oversight of insurers.
Penalties
The bill does not specify penalties, damages, or remedies. Violations would be subject to the existing enforcement and penalty provisions of the Michigan Insurance Code of 1956, which include administrative actions, license sanctions, and civil penalties available to the Department of Insurance and Financial Services.
Who Is Covered
Compliance Obligations 1 obligation · click obligation ID to open requirement page
HC-01 Healthcare AI Decision Restrictions · HC-01.1 · Deployer · Healthcare
MCL 500.3406ss
Plain Language
Health insurers operating in Michigan are flatly prohibited from using artificial intelligence to deny, modify, or delay any health insurance claim. Unlike most healthcare AI statutes that require human review to accompany AI-informed decisions, this bill imposes an outright ban on AI-based claim review that results in any adverse action. The prohibition is absolute — there is no safe harbor for human-in-the-loop review, no exception for AI used as a decision-support tool, and no definition of 'artificial intelligence' to cabin the scope. Any insurer delivering, issuing, or renewing a health insurance policy in Michigan would need to ensure that no claim denial, modification, or delay is 'based on' an AI review.
Statutory Text
Sec. 3406ss. An insurer that delivers, issues for delivery, or renews in this state a health insurance policy shall not deny, modify, or delay a claim based on a review using artificial intelligence.