Bill Text: MI HB4619 | 2023-2024 | 102nd Legislature | Engrossed
Bill Title: Insurance: insurers; denying coverage based on gender, gender identity, or sexual orientation or expression; prohibit. Amends sec. 2027 of 1956 PA 218 (MCL 500.2027).
Spectrum: Partisan Bill (Democrat 36-0)
Status: (Passed) 2023-10-19 - Assigned Pa 156'23 [HB4619 Detail]
Download: Michigan-2023-HB4619-Engrossed.html
HOUSE BILL NO. 4619
A bill to amend 1956 PA 218, entitled
"The insurance code of 1956,"
by amending section 2027 (MCL 500.2027), as amended by 1998 PA 26.
the people of the state of michigan enact:
Sec. 2027. Unfair methods of competition and unfair or deceptive acts or practices in the business of insurance include:
(a) Refusing to insure, or refusing to continue to insure, or limiting the amount of coverage available to an individual or risk because of any of the following:
(i) Race, color, creed, marital status, sex, or national origin, gender, gender identity or expression, or sexual orientation, except that marital status may be used to classify individuals or risks for the purpose of insuring family units.
(ii) The residence, age, disability, or lawful occupation of the individual or the location of the risk, unless there is a reasonable relationship between the residence, age, disability, or lawful occupation of the individual or the location of the risk and the extent of the risk or the coverage issued or to be issued, but subject to subparagraph (iii). This section shall does not prohibit an insurer from specializing in or limiting its transactions of insurance to certain occupational groups, types, or risks as approved by the commissioner of insurance. director. The commissioner director shall approve the specialization for an insurer licensed to do business in this state and whose articles of incorporation contained a provision on July 1, 1976, requiring that specialization.
(iii) For property insurance, the location of the risk, unless there is a statistically significant relationship between the location of the risk and a risk of loss due to fire within the area in which the insured property is located. As used in this subparagraph, "area" means a single zip code number under the zoning improvement plan of the United States postal service.Postal Service.
(b) Refusing to insure or refusing to continue to insure an individual or risk solely because the insured or applicant was previously denied insurance coverage by an insurer.
(c) Charging a different rate for the same coverage based on sex, race, color, creed, marital status, sex, national origin, gender, gender identity or expression, sexual orientation, age, residence, location of risk, disability, or lawful occupation of the risk unless the rate differential is based on sound actuarial principles , and a reasonable classification system, and is related to the actual and credible loss statistics or, for new coverages, reasonably anticipated experience. in the case of new coverages. This subdivision shall does not apply if the rate has previously been approved by the commissioner.director.
