SB 105 MI

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Became Law

Act No. 38 Public Acts of 2026 Approved by the Governor July 21, 2026 Filed with the Secretary of State July 22, 2026 EFFECTIVE DATE: July 22, 2026

state of michigan 103rd Legislature Regular session of 2026 Introduced by Senators Irwin, McCann, Bayer and McBroom ENROLLED SENATE BILL No. 105 AN ACT to amend 1956 PA 218, entitled �An act to revise, consolidate, and classify the laws relating to the insurance and surety business; to regulate the incorporation or formation of domestic insurance and surety companies and associations and the admission of foreign and alien companies and associations; to provide their rights, powers, and immunities and to prescribe the conditions on which companies and associations organized, existing, or authorized under this act may exercise their powers; to provide the rights, powers, and immunities and to prescribe the conditions on which other persons, firms, corporations, associations, risk retention groups, and purchasing groups engaged in an insurance or surety business may exercise their powers; to provide for the imposition of a privilege fee on domestic insurance companies and associations and the state accident fund; to provide for the imposition of a tax on the business of foreign and alien companies and associations; to provide for the imposition of a tax on risk retention groups and purchasing groups; to provide for the imposition of a tax on the business of surplus line agents; to provide for the imposition of regulatory fees on certain insurers; to provide for assessment fees on certain health maintenance organizations; to modify tort liability arising out of certain accidents; to provide for limited actions with respect to that modified tort liability and to prescribe certain procedures for maintaining those actions; to require security for losses arising out of certain accidents; to provide for the continued availability and affordability of automobile insurance and homeowners insurance in this state and to facilitate the purchase of that insurance by all residents of this state at fair and reasonable rates; to provide for certain reporting with respect to insurance and with respect to certain claims against uninsured or self-insured persons; to prescribe duties for certain state departments and officers with respect to that reporting; to provide for certain assessments; to establish and continue certain state insurance funds; to modify and clarify the status, rights, powers, duties, and operations of the nonprofit malpractice insurance fund; to provide for the departmental supervision and regulation of the insurance and surety business within this state; to provide for regulation over worker�s compensation self-insurers; to provide for the conservation, rehabilitation, or liquidation of unsound or insolvent insurers; to provide for the protection of policyholders, claimants, and creditors of unsound or insolvent insurers; to provide for associations of insurers to protect policyholders and claimants in the event of insurer insolvencies; to prescribe educational requirements for insurance agents and solicitors; to provide for the regulation of multiple employer welfare arrangements; to create an automobile theft prevention authority to reduce the number of automobile thefts in this state; to prescribe the powers and duties of the automobile theft prevention authority; to provide certain powers and duties upon certain officials, departments, and authorities of this state; to provide for an appropriation; to repeal acts and parts of acts; and to provide penalties for the violation of this act,� (MCL 500.100 to 500.8302) by adding section 3406ss.

The People of the State of Michigan enact: Sec. 3406ss. (1) A health plan or nonprofit dental care corporation operating under 1963 PA 125, MCL 550.351 to 550.373, that provides dental benefits shall provide 1 or more methods of payments or reimbursements that provide the dentist with 100% of the amount payable and do not require the dentist to incur a fee to access the payment or reimbursement. This subsection does not apply to a fee imposed by the dentist�s financial institution. (2) If a dentist opts out of a method of payment under subsection (1), that decision remains in effect until the dentist opts back into the prior payment method or a new contract is executed. (3) As used in this section, �health plan� means that term as defined in section 2006.

Enacting section 1. This amendatory act applies to dental benefits policies delivered, issued for delivery, or renewed in this state after the effective date of this amendatory act. This act is ordered to take immediate effect.

Secretary of the Senate

Clerk of the House of Representatives Approved___________________________________________

____________________________________________________ Governor