Michigan Health Insurance Regulations

Michigan has limited insurance regulations so it's important to understand them.

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Michigan health insurance laws

Michigan health insurance policies are required to include the following:

  • guaranteed renewability provision
  • exclusion period for pre-existing conditions of no more than 12 months.

Michigan health insurance regulations

Blue Cross Blue Shield must offer you a Michigan health insurance policy.

Other Michigan health insurance companies can:

  • not deny you health insurance on the basis of your health
  • charge you higher premiums on the basis of your age

Michigan health insurance companies must:

  • not cancel an existing health insurance policy due to illness

Michigan health insurance: temporary policies

Conversion plans are available for temporary Michigan health insurance.

Other MI health insurance info

If you want more help getting a good health insurance policy, read our guide to health insurance.

Also see our guide to Michigan small business health insurance.


For more on MI health insurance laws and regulations, contact the Michigan State Department of Labor and Economic Growth.

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