SB 1013 — Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Adds sec. 2027a of 1956 PA 218 (MCL 500.2027a).
Last action — 9/22/2026 - ASSIGNED PA 0098'26 WITH IMMEDIATE EFFECT
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✓Introduced
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✓In Committee
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✓Passed Senate
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✓Passed House
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✓To Executive
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6Enacted
This bill has been enacted into law. Introduced September 22, 2026. Enacted.
Odds of enactment
High chanceBased on the sponsor, cosponsors, and committee posture, this bill has a high 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
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Enacted
Current position in the legislative process.
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1 sponsor
1 primary, 0 co-sponsors signed on.
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Single-party support
Sponsorship is currently within one party (1 D).
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Cleared a recorded vote
Passed 5 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
The bill prohibits using price optimization for setting insurance rates in no-fault insurance.
This measure aims to prevent insurance companies from using price optimization to set rates for no-fault insurance policies. It amends existing laws to ensure that rates are determined without this practice.
What this means for you
- Consumers: This means insurance rates for no-fault coverage should be more equitable and not influenced by pricing strategies that vary based on customer data.
Summary
Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Adds sec. 2027a of 1956 PA 218 (MCL 500.2027a). — Public Act 98 of 2026
Bill Text
What changed in the latest version
26 added · 25 removedPlain-language change summary
The amendment to SB 1013 allows property and casualty insurers to use price optimization in ratemaking, which means they can adjust rates based on an insured's price tolerance. The definition of "price optimization" was clarified to indicate it might involve factors unrelated to risk, such as estimating how likely an insured is to switch insurers or their willingness to pay a higher premium. This change matters because it explicitly permits a practice that was previously prohibited and outlines specific activities insurers may consider when setting premiums.
SB-1013, As Passed Senate,House, JulyAugust 2,25, 2026 SUBSTITUTE FOR SENATE BILL NO.
(1) It is an unfair method of competition and an unfair or deceptive act or practice in the business of insurance for ana property and casualty insurer to use price optimization in any way in ratemaking.
(ii) Canceling a policy before the expiration of the policy DAW S06441'26 (S-1)_SB1013_APH_1 xb3u5d 1 term.
DAW S06441'26 (S-1)_SB1013_APS_1 sa0r6o 1 (iii) Failing to renew a policy at the renewal of the policy term.
(b) "Price optimization" means establishinga ratespractice to charge based on an insured's price tolerance that results in rate or varyingpremium premiumsadjustments atthat anyare timenot actuarially justified and based on factors that are unrelated to risk of loss or expense, including, but not limited to, any of the following:
(i) ChargingConsidering basedthe onlikelihood that the insured'sinsured pricewill tolerance.engage in activities that result in insurance policy turnover.
(ii) ConsideringEstimating the likelihoodwillingness thatof the insured willto engagepay ina activitieshigher thatpremium resultcompared into insuranceother policyinsureds. turnover.
(iii) EstimatingUsing theany willingnessmeasure of thea insuredconsumer's toor paygroup aof higherconsumers' premiumprice comparedelasticity toof otherdemand. insureds.
(iv)Final UsingPage anyDAW measureS06441'26 of(S-1)_SB1013_APH_1 axb3u5d consumer's or group of consumers' price elasticity of demand.
Final Page DAW S06441'26 (S-1)_SB1013_APS_1 sa0r6o
View plain text versions (8)
- As Passed by the House View text pdf
- As Passed by the Senate View text Current pdf
- Substitute Substitute (S-1) pdf
- Substitute Substitute (S-1) - 2 pdf
- Substitute Substitute (S-1) - 3 pdf
- Substitute Substitute (S-1) - 4 pdf
- Substitute Substitute (S-1) - 5 pdf
- Introduced Senate Introduced Bill pdf
Action History
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9/22/2026 - ASSIGNED PA 0098'26 WITH IMMEDIATE EFFECT
Sponsors
- Jeremy Moss · Primary
Sponsorship breakdown
Export CSV (upgrade) →1 sponsors · 0 co-sponsors · 146 not signed on · 10 voted No
Sponsors (1)
- Jeremy Moss Democrat
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.
Votes
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Republican | 12 | 2 | 0 | 3 |
| Democrat | 18 | 0 | 0 | 1 |
| Unaffiliated | 2 | 0 | 0 | 0 |
| Total | 32 | 2 | 0 | 4 |
| % of votes cast | 84% | 5% | 0% | 11% |
How each member voted (38)
| Member | Party | Vote |
|---|---|---|
| Outman | — | Yea |
| Greene | — | 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 | Not Voting |
| 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 | Yea |
| Joseph Bellino Jr. | Republican | Yea |
| Kevin Daley | Republican | Not Voting |
| Lana Theis | Republican | Nay |
| Mark Huizenga | Republican | Yea |
| Michael Webber | Republican | Yea |
| Michele Hoitenga | Republican | Yea |
| Roger Hauck | Republican | Nay |
| Roger Victory | Republican | Yea |
| Ruth Johnson | Republican | Not Voting |
| Thomas Albert | Republican | Yea |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Republican | 48 | 7 | 0 | 0 |
| Democrat | 46 | 0 | 0 | 0 |
| Unaffiliated | 3 | 0 | 0 | 0 |
| Total | 97 | 7 | 0 | 0 |
| % of votes cast | 93% | 7% | 0% | 0% |
How each member voted (104)
| Member | Party | Vote |
|---|---|---|
| Myers-Phillips | — | Yea |
| Outman | — | Yea |
| St. Germaine | — | Yea |
| Alabas Farhat | Democrat | Yea |
| Angela Witwer | Democrat | Yea |
| Betsy Coffia | Democrat | Yea |
| Brenda Carter | Democrat | Yea |
| Carol Glanville | Democrat | Yea |
| Carrie Rheingans | Democrat | Yea |
| Cynthia Neeley | Democrat | Yea |
| Denise Mentzer | Democrat | Yea |
| Donavan McKinney | Democrat | Yea |
| Dylan Wegela | Democrat | Yea |
| Emily Dievendorf | Democrat | Yea |
| Erin Byrnes | Democrat | Yea |
| Helena Scott | Democrat | Yea |
| Jason M Hoskins | Democrat | Yea |
| Jason Morgan | Democrat | Yea |
| Jasper Martus | Democrat | Yea |
| Jennifer Conlin | Democrat | Yea |
| Jimmie Wilson Jr | Democrat | Yea |
| Joey Andrews | Democrat | Yea |
| John Fitzgerald | Democrat | Yea |
| Joseph Tate | Democrat | Yea |
| Julie M. Rogers | Democrat | Yea |
| Kara Hope | Democrat | Yea |
| Kelly A Breen | Democrat | Yea |
| Kimberly Edwards | Democrat | Yea |
| Kristian Grant | Democrat | Yea |
| Laurie Pohutsky | Democrat | Yea |
| Mai Xiong | Democrat | Yea |
| Matt Koleszar | Democrat | Yea |
| Matt Longjohn | Democrat | Yea |
| Morgan Foreman | Democrat | Yea |
| Natalie Price | Democrat | Yea |
| Noah Arbit | Democrat | Yea |
| Penelope Tsernoglou | Democrat | Yea |
| Peter Herzberg | Democrat | Yea |
| Phil Skaggs | Democrat | Yea |
| Ranjeev Puri | Democrat | Yea |
| Reggie Miller | Democrat | Yea |
| Regina Weiss | Democrat | Yea |
| Sharon MacDonell | Democrat | Yea |
| Stephanie A Young | Democrat | Yea |
| Stephen Wooden | Democrat | Yea |
| Tullio Liberati Jr. | Democrat | Yea |
| Tyrone Carter | Democrat | Yea |
| Veronica Paiz | Democrat | Yea |
| Will Snyder | Democrat | Yea |
| Angela Rigas | Republican | Yea |
| Ann M. Bollin | Republican | Yea |
| Bill Schuette | Republican | Yea |
| Brad Paquette | Republican | Yea |
| Bradley Slagh | Republican | Nay |
| Brian BeGole | Republican | Yea |
| Bryan Posthumus | Republican | Yea |
| Cameron Cavitt | Republican | Yea |
| Curtis S VanderWall | Republican | Yea |
| David Prestin | Republican | Yea |
| David W. Martin | Republican | Yea |
| Donni Steele | Republican | Nay |
| Douglas C Wozniak | Republican | Yea |
| Gina Johnsen | Republican | Yea |
| Greg VanWoerkom | Republican | Yea |
| Gregory Alexander | Republican | Yea |
| Gregory Markkanen | Republican | Yea |
| Jaime Greene | Republican | Nay |
| James DeSana | Republican | Nay |
| Jamie Thompson | Republican | Yea |
| Jason Woolford | Republican | Yea |
| Jay DeBoyer | Republican | Yea |
| Jennifer Wortz | Republican | Yea |
| Jerry Neyer | Republican | Yea |
| John R. Roth | Republican | Yea |
| Joseph A. Aragona | Republican | Yea |
| Joseph Fox | Republican | Yea |
| Joseph Pavlov | Republican | Yea |
| Josh Schriver | Republican | Yea |
| Karl Bohnak | Republican | Yea |
| Kathy Schmaltz | Republican | Yea |
| Ken Borton | Republican | Yea |
| Luke Meerman | Republican | Nay |
| Mark A Tisdel | Republican | Yea |
| Matt Hall | Republican | Yea |
| Matt Maddock | Republican | Yea |
| Matthew Bierlein | Republican | Yea |
| Mike Harris | Republican | Yea |
| Mike Hoadley | Republican | Yea |
| Mike Mueller | Republican | Yea |
| Nancy DeBoer | Republican | Yea |
| Nancy Jenkins-Arno | Republican | Yea |
| Parker Fairbairn | Republican | Yea |
| Phil Green | Republican | Yea |
| Rachelle Smit | Republican | Yea |
| Ron Robinson | Republican | Yea |
| Rylee Linting | Republican | Yea |
| Sarah Lightner | Republican | Yea |
| Steve Carra | Republican | Nay |
| Steve Frisbie | Republican | Yea |
| Thomas Kuhn | Republican | Yea |
| Tim Kelly | Republican | Yea |
| Timothy Beson | Republican | Yea |
| Tom Kunse | Republican | Nay |
| William Bruck | Republican | Yea |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Republican | 49 | 7 | 0 | 0 |
| Democrat | 46 | 0 | 0 | 0 |
| Unaffiliated | 2 | 0 | 0 | 0 |
| Total | 97 | 7 | 0 | 0 |
| % of votes cast | 93% | 7% | 0% | 0% |
How each member voted (104)
| Member | Party | Vote |
|---|---|---|
| Myers-Phillips | — | Yea |
| St. Germaine | — | Yea |
| Alabas Farhat | Democrat | Yea |
| Angela Witwer | Democrat | Yea |
| Betsy Coffia | Democrat | Yea |
| Brenda Carter | Democrat | Yea |
| Carol Glanville | Democrat | Yea |
| Carrie Rheingans | Democrat | Yea |
| Cynthia Neeley | Democrat | Yea |
| Denise Mentzer | Democrat | Yea |
| Donavan McKinney | Democrat | Yea |
| Dylan Wegela | Democrat | Yea |
| Emily Dievendorf | Democrat | Yea |
| Erin Byrnes | Democrat | Yea |
| Helena Scott | Democrat | Yea |
| Jason M Hoskins | Democrat | Yea |
| Jason Morgan | Democrat | Yea |
| Jasper Martus | Democrat | Yea |
| Jennifer Conlin | Democrat | Yea |
| Jimmie Wilson Jr | Democrat | Yea |
| Joey Andrews | Democrat | Yea |
| John Fitzgerald | Democrat | Yea |
| Joseph Tate | Democrat | Yea |
| Julie M. Rogers | Democrat | Yea |
| Kara Hope | Democrat | Yea |
| Kelly A Breen | Democrat | Yea |
| Kimberly Edwards | Democrat | Yea |
| Kristian Grant | Democrat | Yea |
| Laurie Pohutsky | Democrat | Yea |
| Mai Xiong | Democrat | Yea |
| Matt Koleszar | Democrat | Yea |
| Matt Longjohn | Democrat | Yea |
| Morgan Foreman | Democrat | Yea |
| Natalie Price | Democrat | Yea |
| Noah Arbit | Democrat | Yea |
| Penelope Tsernoglou | Democrat | Yea |
| Peter Herzberg | Democrat | Yea |
| Phil Skaggs | Democrat | Yea |
| Ranjeev Puri | Democrat | Yea |
| Reggie Miller | Democrat | Yea |
| Regina Weiss | Democrat | Yea |
| Sharon MacDonell | Democrat | Yea |
| Stephanie A Young | Democrat | Yea |
| Stephen Wooden | Democrat | Yea |
| Tullio Liberati Jr. | Democrat | Yea |
| Tyrone Carter | Democrat | Yea |
| Veronica Paiz | Democrat | Yea |
| Will Snyder | Democrat | Yea |
| Angela Rigas | Republican | Yea |
| Ann M. Bollin | Republican | Yea |
| Bill Schuette | Republican | Yea |
| Brad Paquette | Republican | Yea |
| Bradley Slagh | Republican | Nay |
| Brian BeGole | Republican | Yea |
| Bryan Posthumus | Republican | Yea |
| Cameron Cavitt | Republican | Yea |
| Curtis S VanderWall | Republican | Yea |
| David Prestin | Republican | Yea |
| David W. Martin | Republican | Yea |
| Donni Steele | Republican | Nay |
| Douglas C Wozniak | Republican | Yea |
| Gina Johnsen | Republican | Yea |
| Greg VanWoerkom | Republican | Yea |
| Gregory Alexander | Republican | Yea |
| Gregory Markkanen | Republican | Yea |
| Jaime Greene | Republican | Nay |
| James DeSana | Republican | Nay |
| Jamie Thompson | Republican | Yea |
| Jason Woolford | Republican | Yea |
| Jay DeBoyer | Republican | Yea |
| Jennifer Wortz | Republican | Yea |
| Jerry Neyer | Republican | Yea |
| John R. Roth | Republican | Yea |
| Joseph A. Aragona | Republican | Yea |
| Joseph Fox | Republican | Yea |
| Joseph Pavlov | Republican | Yea |
| Josh Schriver | Republican | Yea |
| Karl Bohnak | Republican | Yea |
| Kathy Schmaltz | Republican | Yea |
| Ken Borton | Republican | Yea |
| Luke Meerman | Republican | Nay |
| Mark A Tisdel | Republican | Yea |
| Matt Hall | Republican | Yea |
| Matt Maddock | Republican | Yea |
| Matthew Bierlein | Republican | Yea |
| Mike Harris | Republican | Yea |
| Mike Hoadley | Republican | Yea |
| Mike Mueller | Republican | Yea |
| Nancy DeBoer | Republican | Yea |
| Nancy Jenkins-Arno | Republican | Yea |
| Parker Fairbairn | Republican | Yea |
| Phil Green | Republican | Yea |
| Rachelle Smit | Republican | Yea |
| Rick Outman | Republican | Yea |
| Ron Robinson | Republican | Yea |
| Rylee Linting | Republican | Yea |
| Sarah Lightner | Republican | Yea |
| Steve Carra | Republican | Nay |
| Steve Frisbie | Republican | Yea |
| Thomas Kuhn | Republican | Yea |
| Tim Kelly | Republican | Yea |
| Timothy Beson | Republican | Yea |
| Tom Kunse | Republican | Nay |
| William Bruck | Republican | Yea |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Republican | 14 | 3 | 0 | 1 |
| Democrat | 20 | 0 | 0 | 0 |
| Total | 34 | 3 | 0 | 1 |
| % of votes cast | 89% | 8% | 0% | 3% |
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 | Not Voting |
| Edward McBroom | Republican | Yea |
| Jim Runestad | Republican | Nay |
| John Damoose | Republican | Yea |
| Jon Bumstead | Republican | Yea |
| Jonathan Lindsey | Republican | Yea |
| Joseph Bellino Jr. | Republican | Yea |
| Kevin Daley | Republican | Yea |
| Lana Theis | Republican | Nay |
| Mark Huizenga | Republican | Yea |
| Michael Webber | Republican | Yea |
| Michele Hoitenga | Republican | Yea |
| Pat Outman | Republican | Yea |
| Roger Hauck | Republican | Nay |
| Roger Victory | Republican | Yea |
| Ruth Johnson | Republican | Yea |
| Thomas Albert | Republican | Yea |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Republican | 13 | 3 | 0 | 1 |
| Democrat | 19 | 0 | 0 | 0 |
| Unaffiliated | 2 | 0 | 0 | 0 |
| Total | 34 | 3 | 0 | 1 |
| % of votes cast | 89% | 8% | 0% | 3% |
How each member voted (38)
| Member | Party | Vote |
|---|---|---|
| Outman | — | Yea |
| Greene | — | 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 | Not Voting |
| Edward McBroom | Republican | Yea |
| Jim Runestad | Republican | Nay |
| John Damoose | Republican | Yea |
| Jon Bumstead | Republican | Yea |
| Jonathan Lindsey | Republican | Yea |
| Joseph Bellino Jr. | Republican | Yea |
| Kevin Daley | Republican | Yea |
| Lana Theis | Republican | Nay |
| Mark Huizenga | Republican | Yea |
| Michael Webber | Republican | Yea |
| Michele Hoitenga | Republican | Yea |
| Roger Hauck | Republican | Nay |
| Roger Victory | Republican | Yea |
| Ruth Johnson | Republican | Yea |
| Thomas Albert | Republican | Yea |
Subjects
Frequently asked questions
- What does SB 1013 do?
- Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Adds sec. 2027a of 1956 PA 218 (MCL 500.2027a). — Public Act 98 of 2026
- Who sponsors SB 1013?
- SB 1013 is sponsored by Jeremy Moss (Democrat).
- What is the current status of SB 1013?
- This bill has been enacted into law. Introduced September 22, 2026. Enacted.
- Where can I track SB 1013?
- Track SB 1013 free on One Click Politics — get push/email alerts when it moves.
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