Michigan 2025-2026 Regular Session Status: Passed House 1 R cosponsors

HB 5385 — Insurance: other; captive insurance company limited certificate of authority; modify. Amends sec. 4603 of 1956 PA 218 (MCL 500.4603).

Last action — REFERRED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION

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

This bill has passed the House. Introduced March 10, 2026. It now moves to the second chamber.

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

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 House

    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 R).

  • 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.

Summary

Insurance: other; captive insurance company limited certificate of authority; modify. Amends sec. 4603 of 1956 PA 218 (MCL 500.4603).

Bill Text

What changed in the latest version

8 added · 7 removed

Plain-language change summary

The latest version of HB 5385 includes new lines of text that clarify certain provisions, while removing some outdated or unnecessary language. These changes help to streamline the bill, making it easier to understand and implement. This matters because clearer language can lead to better compliance and fewer misunderstandings about the law's requirements. Overall, these updates aim to improve the effectiveness of the legislation.

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HOUSE BILL NO.
HB-5385, As Passed House, March 4, 2026 HOUSE BILL NO.
(1) A captive insurance company, if permitted by its organizational documents, may apply to the commissioner director for a limited certificate of authority to do any and all insurance authorized by under this chapter except first-dollar worker's compensation insurance, long-term care insurance, critical care insurance, personal automobile insurance, or homeowners DAW H03814'25_HB5385_INTR_1 pb5zq7 1 insurance, or any component of these coverages.
(1) A captive insurance company, if permitted by its organizational documents, may apply to the commissioner director for a limited certificate of authority to do any and all insurance authorized by under this chapter except first-dollar worker's compensation insurance, long-term care insurance, critical care insurance, personal automobile insurance, or homeowners DAW H03814'25_HB5385_APH_1 4h1mua 1 insurance, or any component of these coverages.
(b) (c) Maintain its principal place of business in this DAW H03814'25_HB5385_INTR_1 pb5zq7 1 state, or for a branch captive insurance company, maintain the principal place of business for its branch operations in this state.
(b) (c) Maintain its principal place of business in this DAW H03814'25_HB5385_APH_1 4h1mua 1 state, or for a branch captive insurance company, maintain the principal place of business for its branch operations in this state.
(4) The organizational documents of a proposed captive DAW H03814'25_HB5385_INTR_1 pb5zq7 1 insurance company may contain a provision providing that a director is not personally liable to the corporation or its shareholders or policyholders for monetary damages for a breach of the director's fiduciary duty.
(4) The organizational documents of a proposed captive DAW H03814'25_HB5385_APH_1 4h1mua 1 insurance company may contain a provision providing that a director is not personally liable to the corporation or its shareholders or policyholders for monetary damages for a breach of the director's fiduciary duty.
The original financial records may be kept and maintained outside of DAW H03814'25_HB5385_INTR_1 pb5zq7 1 this state if, according to a plan adopted by the management of the captive insurance company and approved by the director, it maintains suitable records.
The original financial records may be kept and maintained outside of DAW H03814'25_HB5385_APH_1 4h1mua 1 this state if, according to a plan adopted by the management of the captive insurance company and approved by the director, it maintains suitable records.
(j) For limited liability company applicants, a certificate of status demonstrating that the limited liability company has been DAW H03814'25_HB5385_INTR_1 pb5zq7 1 formed pursuant to under the Michigan limited liability company act, 1993 PA 23, MCL 450.4101 to 450.5200, and is in good standing.
(j) For limited liability company applicants, a certificate of status demonstrating that the limited liability company has been DAW H03814'25_HB5385_APH_1 4h1mua 1 formed pursuant to under the Michigan limited liability company act, 1993 PA 23, MCL 450.4101 to 450.5200, and is in good standing.
(10) Upon On approval of the commissioner, director, a foreign DAW H03814'25_HB5385_INTR_1 pb5zq7 1 captive insurance company may become a captive insurance company by complying with all of the requirements of law relative to the authorization of a captive insurance company of the same or equivalent type in this state.
(10) Upon On approval of the commissioner, director, a foreign DAW H03814'25_HB5385_APH_1 4h1mua 1 captive insurance company may become a captive insurance company by complying with all of the requirements of law relative to the authorization of a captive insurance company of the same or equivalent type in this state.
Final Page DAW H03814'25_HB5385_INTR_1 pb5zq7
Final Page DAW H03814'25_HB5385_APH_1 4h1mua
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Action History

  1. REFERRED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION

Sponsors

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 146 not signed on · 2 voted No

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; given immediate effect

Passed 104 Yea · 2 Nay · 4 Other
Party YeaNayPresentNot Voting
Republican 55200
Democrat 46000
Unaffiliated 3000
Total 104200
% of votes cast 98%2%0%0%
How each member voted (106)
Member Party Vote
Myers-Phillips — Yea
O’Neal — Yea
Outman — 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 Brixie 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
Mike McFall 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
Samantha Steckloff Democrat Yea
Sharon MacDonell Democrat Yea
Stephanie A Young Democrat Yea
Stephen Wooden Democrat Yea
Tullio Liberati Jr. Democrat Yea
Tyrone Carter Democrat Yea
Will Snyder Democrat Yea
Alicia St. Germaine Republican Yea
Angela Rigas Republican Yea
Ann M. Bollin Republican Yea
Bill Schuette Republican Yea
Brad Paquette Republican Yea
Bradley Slagh Republican Yea
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 Yea
Douglas C Wozniak Republican Yea
Gina Johnsen Republican Yea
Greg VanWoerkom Republican Yea
Gregory Alexander Republican Yea
Gregory Markkanen Republican Yea
Jaime Greene Republican Yea
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 Yea
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
Pauline Wendzel 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 Yea
William Bruck Republican Yea

Official roll call →

passed; given immediate effect Roll Call #72 Yeas 104 Nays 2 Excused 0 Not Voting 4

Passed 104 Yea · 2 Nay
Party YeaNayPresentNot Voting
Republican 56200
Democrat 47000
Unaffiliated 1000
Total 104200
% of votes cast 98%2%0%0%
How each member voted (106)
Member Party Vote
Myers-Phillips — Yea
Amos O'Neal 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 Brixie 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
Mike McFall 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
Samantha Steckloff Democrat Yea
Sharon MacDonell Democrat Yea
Stephanie A Young Democrat Yea
Stephen Wooden Democrat Yea
Tullio Liberati Jr. Democrat Yea
Tyrone Carter Democrat Yea
Will Snyder Democrat Yea
Alicia St. Germaine Republican Yea
Angela Rigas Republican Yea
Ann M. Bollin Republican Yea
Bill Schuette Republican Yea
Brad Paquette Republican Yea
Bradley Slagh Republican Yea
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 Yea
Douglas C Wozniak Republican Yea
Gina Johnsen Republican Yea
Greg VanWoerkom Republican Yea
Gregory Alexander Republican Yea
Gregory Markkanen Republican Yea
Jaime Greene Republican Yea
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 Yea
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
Pauline Wendzel 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 Yea
William Bruck Republican Yea

Official roll call →

Subjects

finance labor 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 HB 5385 do?
Insurance: other; captive insurance company limited certificate of authority; modify. Amends sec. 4603 of 1956 PA 218 (MCL 500.4603).
Who sponsors HB 5385?
HB 5385 is sponsored by Joseph A. Aragona (Republican).
What is the current status of HB 5385?
This bill has passed the House. Introduced March 10, 2026. It now moves to the second chamber.
Where can I track HB 5385?
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