Michigan 2019-2020 Regular Session Status: Introduced 1 R cosponsors

SB 1013 — Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Amends secs. 2109 & 2119 of 1956 PA 218 (MCL 500.2109 & 500.2119).

Last action — 7/3/2026 - referred to Committee on Insurance

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

This bill has been introduced in the Senate. Introduced July 03, 2026. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Prognosis

Not enough signal yet

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

Not enough signal yet to read this bill's trajectory — we surface a likelihood only once there's real movement (stage, sponsorship, committee, or votes) to point to.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

In plain language

The bill prohibits the use of price optimization in setting insurance rates.

This legislation amends existing insurance laws to forbid companies from using price optimization techniques when determining rates. Price optimization involves adjusting rates based on a customer's willingness to pay rather than their risk profile.

What this means for you
  • Consumers: This means that insurance rates may be more aligned with actual risk rather than what insurers think you can afford.

Summary

Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Amends secs. 2109 & 2119 of 1956 PA 218 (MCL 500.2109 & 500.2119).

Bill Text

We don't have the full text on file for this bill yet.

Read SB 1013 on the official Michigan source →

Action History

  1. 7/3/2026 - referred to Committee on Insurance

Sponsors

Sponsorship breakdown

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

Sponsors (0)

None.

Co-sponsors (1)

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

Subjects

finance 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 1013 do?
Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Amends secs. 2109 & 2119 of 1956 PA 218 (MCL 500.2109 & 500.2119).
Who sponsors SB 1013?
SB 1013 is sponsored by Lana Theis (Republican).
What is the current status of SB 1013?
This bill has been introduced in the Senate. Introduced July 03, 2026. It must pass committee before a floor vote.
Where can I track SB 1013?
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Last checked for changes 3 months ago · updated continuously

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