---
type: "Bill"
title: "Insurance: health insurers; issuing rebates to an insured if the insured does not meet medical loss ratio; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406jj."
description: "Insurance: health insurers; issuing rebates to an insured if the insured does not meet medical loss ratio; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406jj."
jurisdiction: "us/states/mi"
legislature: "Michigan Legislature"
session: "2023-2024"
identifier: "HB 5825"
citation: "Michigan HB 5825 (2023-2024)"
classification: ["bill"]
subjects: ["Insurance: health insurers"]
status: "enacted"
primary_sponsors: ["Julie Rogers"]
version_count: 6
action_count: 32
vote_count: 2
first_action: "2024-06-18"
last_action: "2024-12-31"
source: "openstates"
source_identifier: "ocd-bill/1f69331a-0875-49bb-9dc5-bf412e6e1c97"
source_url: "https://legislature.mi.gov/Bills/Bill?ObjectName=2024-HB-5825"
source_hash: "57b9a2dece4d7f23ea59a81f1e860e65507c55daed4964802b45e7d35c14a3e3"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-mi"]
---

# Michigan HB 5825 (2023-2024) — Insurance: health insurers; issuing rebates to an insured if the insured does not meet medical loss ratio; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406jj.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **As Passed by the House** (committee substitute) — [source](https://legislature.mi.gov/documents/2023-2024/billengrossed/House/pdf/2024-HEBH-5825.pdf)
2. **As Passed by the Senate** (committee substitute) — [source](https://legislature.mi.gov/documents/2023-2024/billengrossed/House/pdf/2024-HEBS-5825.pdf)
3. **House Concurred Bill** (committee substitute) — [source](https://legislature.mi.gov/documents/2023-2024/billconcurred/House/pdf/2024-HCB-5825.pdf)
4. **House Introduced Bill** (committee substitute) — [source](https://legislature.mi.gov/documents/2023-2024/billintroduced/House/pdf/2024-HIB-5825.pdf)
5. **Public Act** (committee substitute) — [source](https://legislature.mi.gov/documents/2023-2024/publicact/pdf/2024-PA-0254.pdf)
6. **Substitute (H-3)** (committee substitute) — [source](https://legislature.mi.gov/Home/GetObject?objectName=2024-HCVBS-5825-0O338.pdf)

## Votes

- PASSED ROLL CALL # 679 YEAS 20 NAYS 18 EXCUSED 0 NOT VOTING 0 — **4–4** (fail) · upper
- passed; given immediate effect Roll Call # 406 Yeas 56 Nays 52 Excused 0 Not Voting 2 — **56–52** (pass) · lower

## Sponsors

- Julie Rogers — primary (person)
- Abraham Aiyash — cosponsor (person)
- Brenda Carter — cosponsor (person)
- Carrie Rheingans — cosponsor (person)
- Donavan McKinney — cosponsor (person)
- Felicia Brabec — cosponsor (person)
- Helena Scott — cosponsor (person)
- Jenn Hill — cosponsor (person)
- Jim Haadsma — cosponsor (person)
- John Fitzgerald — cosponsor (person)
- John Roth — cosponsor (person)
- Julie Brixie — cosponsor (person)
- Kara Hope — cosponsor (person)
- Kimberly Edwards — cosponsor (person)
- Mai Xiong — cosponsor (person)
- Matt Koleszar — cosponsor (person)
- Matthew Bierlein — cosponsor (person)
- Mike McFall — cosponsor (person)
- Natalie Price — cosponsor (person)
- Noah Arbit — cosponsor (person)
- Pat Outman — cosponsor (person)
- Penelope Tsernoglou — cosponsor (person)
- Rachel Hood — cosponsor (person)
- Samantha Steckloff — cosponsor (person)
- Veronica Paiz — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2024-06-18** introduced by Representative Julie M. Rogers `introduction`
- **2024-06-18** read a first time `reading-1`
- **2024-06-18** referred to Committee on Insurance and Financial Services `referral-committee`
- **2024-06-20** bill electronically reproduced 06/20/2024
- **2024-11-14** reported with recommendation without amendment `committee-passage`
- **2024-11-14** referred to second reading
- **2024-12-10** read a second time `reading-2`
- **2024-12-10** substitute (H-3) adopted
- **2024-12-10** placed on third reading
- **2024-12-10** placed on immediate passage
- **2024-12-10** read a third time `reading-3`
- **2024-12-10** passed; given immediate effect Roll Call # 406 Yeas 56 Nays 52 Excused 0 Not Voting 2 `passage`
- **2024-12-10** transmitted
- **2024-12-18** PASSED BY HOUSE WITH IMMEDIATE EFFECT `passage`
- **2024-12-18** REFERRED TO COMMITTEE ON GOVERNMENT OPERATIONS `referral-committee`
- **2024-12-20** DISCHARGE COMMITTEE APPROVED
- **2024-12-20** PLACED ON ORDER OF GENERAL ORDERS
- **2024-12-20** RULES SUSPENDED FOR IMMEDIATE CONSIDERATION
- **2024-12-20** REPORTED BY COMMITTEE OF THE WHOLE FAVORABLY WITHOUT AMENDMENT(S) `committee-passage`
- **2024-12-20** PLACED ON ORDER OF THIRD READING
- **2024-12-20** RULES SUSPENDED
- **2024-12-20** PLACED ON IMMEDIATE PASSAGE
- **2024-12-20** PASSED ROLL CALL # 679 YEAS 20 NAYS 18 EXCUSED 0 NOT VOTING 0 `passage`
- **2024-12-20** INSERTED FULL TITLE
- **2024-12-20** RETURNED TO HOUSE
- **2024-12-31** returned from Senate without amendment with full title
- **2024-12-10** full title agreed to
- **2024-12-31** bill ordered enrolled 12/23/2024
- **2024-12-31** presented to the Governor 01/08/2025 12:40 PM `executive-receipt`
- **2024-12-31** approved by the Governor 01/21/2025 01:26 PM `executive-signature`
- **2024-12-31** filed with Secretary of State 01/21/2025 02:20 PM
- **2024-12-31** assigned PA 254'24

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/1f69331a-0875-49bb-9dc5-bf412e6e1c97`. Confidence: reported (aggregated from official Michigan legislature records).