Michigan 2025-2026 Regular Session Status: Passed Senate 1 D cosponsors

SB 1011 — Insurance: pools; small business health pool; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding ch. 71A.

Last action — referred to Committee on Insurance

  1. ✓
    Introduced
  2. ✓
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill has passed the Senate. Introduced June 25, 2026. It now moves to the second chamber.

Next likely step: consideration and a floor vote in the House.

Odds of enactment

Moderate chance

Based on the sponsor, cosponsors, and committee posture, this bill has a moderate chance of becoming law.

Upgrade to see the exact probability and what's driving it.

A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Advancing 48% · moderate confidence

  • Passed Senate

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (1 D).

  • Cleared a recorded vote

    Passed 2 recorded votes so far.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

In plain language

This bill establishes a small business health insurance pool.

The bill amends existing insurance law to create a health insurance pool specifically for small businesses. This aims to offer more affordable health insurance options for small businesses.

What this means for you
  • Small Business: This means small businesses may have access to a shared health insurance pool, potentially lowering costs.

Summary

Insurance: pools; small business health pool; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding ch. 71A.

Bill Text

What changed in the latest version

8 added · 7 removed

Plain-language change summary

The latest version of Bill SB 1011 includes the addition of 8 new lines, while removing 7 lines from a previous draft. These changes may reflect updates to the language or requirements within the bill intended to clarify its purpose or improve its effectiveness. Such adjustments can impact how the bill will be implemented and understood, potentially making it more actionable for those it affects.

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SENATE BILL NO.
SB-1011, As Passed Senate, June 25, 2026 SENATE BILL NO.
DAW S06676'26_SB1011_INTR_1 gtfy0k 1 (b) "Bona fide sponsoring association" means a Michigan- domiciled nonprofit business association to which all of the following apply:
DAW S06676'26_SB1011_APS_1 r8tgno 1 (b) "Bona fide sponsoring association" means a Michigan- domiciled nonprofit business association to which all of the following apply:
DAW S06676'26_SB1011_INTR_1 gtfy0k 1 (ii) Maintains its principal place of business in this state or conducts a majority of its operations within this state.
DAW S06676'26_SB1011_APS_1 r8tgno 1 (ii) Maintains its principal place of business in this state or conducts a majority of its operations within this state.
(j) "Pool", when used in reference to a multiple employer welfare arrangement, means the collective group of covered employees and dependents whose health care claims and associated DAW S06676'26_SB1011_INTR_1 gtfy0k 1 financial risk are combined and administered under the MEWA's employee welfare benefit plan.
(j) "Pool", when used in reference to a multiple employer welfare arrangement, means the collective group of covered employees and dependents whose health care claims and associated DAW S06676'26_SB1011_APS_1 r8tgno 1 financial risk are combined and administered under the MEWA's employee welfare benefit plan.
(2) Rating factors may include industry class, geography, age, and family composition, but must not include individual health DAW S06676'26_SB1011_INTR_1 gtfy0k 1 status or claims history.
(2) Rating factors may include industry class, geography, age, and family composition, but must not include individual health DAW S06676'26_SB1011_APS_1 r8tgno 1 status or claims history.
DAW S06676'26_SB1011_INTR_1 gtfy0k 1 (4) Self-funded pools shall maintain reserves adequate to cover projected claims and a surplus of at least $500,000.00, subject to adjustment by the director based on enrollment and claims experience.
DAW S06676'26_SB1011_APS_1 r8tgno 1 (4) Self-funded pools shall maintain reserves adequate to cover projected claims and a surplus of at least $500,000.00, subject to adjustment by the director based on enrollment and claims experience.
DAW S06676'26_SB1011_INTR_1 gtfy0k (2) The geographic-based commonality and multi-industry eligibility under this chapter are state insurance standards and do not depend on any federal redefinition of employer.
DAW S06676'26_SB1011_APS_1 r8tgno (2) The geographic-based commonality and multi-industry eligibility under this chapter are state insurance standards and do not depend on any federal redefinition of employer.
Final Page DAW S06676'26_SB1011_INTR_1 gtfy0k
Final Page DAW S06676'26_SB1011_APS_1 r8tgno
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Action History

  1. referred to Committee on Insurance

Sponsors

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 146 not signed on

Sponsors (1)

Co-sponsors (0)

None.

Not signed on (146)

146 members have not signed on to this bill.

Show all 146 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

PASSED ROLL CALL # 160 YEAS 35 NAYS 0 EXCUSED 3 NOT VOTING 0

Passed 35 Yea · 0 Nay · 3 Other
Party YeaNayPresentNot Voting
Republican 15003
Democrat 20000
Total 35003
% of votes cast 92%0%0%8%
How each member voted (38)
Member Party Vote
Chedrick Greene Democrat Yea
Darrin Camilleri Democrat Yea
Dayna Polehanki Democrat Yea
Erika Geiss Democrat Yea
Jeff Irwin Democrat Yea
Jeremy Moss Democrat Yea
John Cherry Democrat Yea
Kevin Hertel Democrat Yea
Mallory McMorrow Democrat Yea
Mary Cavanagh Democrat Yea
Paul Wojno Democrat Yea
Rosemary Bayer Democrat Yea
Sam Singh Democrat Yea
Sarah Anthony Democrat Yea
Sean McCann Democrat Yea
Stephanie Chang Democrat Yea
Sue Shink Democrat Yea
Sylvia Santana Democrat Yea
Veronica Klinefelt Democrat Yea
Winnie Brinks Democrat Yea
Aric Nesbitt Republican Yea
Dan Lauwers Republican Yea
Edward McBroom Republican Yea
Jim Runestad Republican Not Voting
John Damoose Republican Yea
Jon Bumstead Republican Yea
Jonathan Lindsey Republican Not Voting
Joseph Bellino Jr. Republican Yea
Kevin Daley Republican Yea
Lana Theis Republican Yea
Mark Huizenga Republican Yea
Michael Webber Republican Yea
Michele Hoitenga Republican Not Voting
Pat Outman Republican Yea
Roger Hauck Republican Yea
Roger Victory Republican Yea
Ruth Johnson Republican Yea
Thomas Albert Republican Yea

Official roll call →

PASSED

Passed 35 Yea · 0 Nay · 3 Other
Party YeaNayPresentNot Voting
Republican 14003
Democrat 19000
Unaffiliated 2000
Total 35003
% of votes cast 92%0%0%8%
How each member voted (38)
Member Party Vote
Greene — Yea
Outman — Yea
Darrin Camilleri Democrat Yea
Dayna Polehanki Democrat Yea
Erika Geiss Democrat Yea
Jeff Irwin Democrat Yea
Jeremy Moss Democrat Yea
John Cherry Democrat Yea
Kevin Hertel Democrat Yea
Mallory McMorrow Democrat Yea
Mary Cavanagh Democrat Yea
Paul Wojno Democrat Yea
Rosemary Bayer Democrat Yea
Sam Singh Democrat Yea
Sarah Anthony Democrat Yea
Sean McCann Democrat Yea
Stephanie Chang Democrat Yea
Sue Shink Democrat Yea
Sylvia Santana Democrat Yea
Veronica Klinefelt Democrat Yea
Winnie Brinks Democrat Yea
Aric Nesbitt Republican Yea
Dan Lauwers Republican Yea
Edward McBroom Republican Yea
Jim Runestad Republican Not Voting
John Damoose Republican Yea
Jon Bumstead Republican Yea
Jonathan Lindsey Republican Not Voting
Joseph Bellino Jr. Republican Yea
Kevin Daley Republican Yea
Lana Theis Republican Yea
Mark Huizenga Republican Yea
Michael Webber Republican Yea
Michele Hoitenga Republican Not Voting
Roger Hauck Republican Yea
Roger Victory Republican Yea
Ruth Johnson Republican Yea
Thomas Albert Republican Yea

Official roll call →

Subjects

healthcare health-insurance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does SB 1011 do?
Insurance: pools; small business health pool; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding ch. 71A.
Who sponsors SB 1011?
SB 1011 is sponsored by Kevin Hertel (Democrat).
What is the current status of SB 1011?
This bill has passed the Senate. Introduced June 25, 2026. It now moves to the second chamber.
Where can I track SB 1011?
Track SB 1011 free on One Click Politics — get push/email alerts when it moves.

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