Michigan House Bill HB5200

Michigan 2025-2026 Regular Session

• Introduced: 11/4/25
• Refer: 11/4/25

Caption

Insurance: health benefits; pap smears; require to be covered in certain cases. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406nn.

Impact

The passage of HB5200 would remove the potential for financial impediments such as dollar limits, copayments, deductibles, or coinsurance that are not applicable to other types of screening coverage. This is significant as it encourages greater utilization of preventive health services and aims to improve overall health outcomes for women in Michigan. By mandating insurance coverage for pap smears, the bill supports efforts to increase awareness and accessibility of gynecological care.

Summary

House Bill 5200 aims to amend the Michigan Insurance Code of 1956 by introducing a requirement for health insurance policies that offer gynecological coverage. Specifically, the bill mandates that these insurance policies must cover at least one pap smear for women aged 21 and older every three years. The goal is to ensure that women have access to essential preventive healthcare without facing financial barriers, aligning with contemporary health guidelines on the importance of regular screenings for cervical cancer.

Contention

While the bill is likely to receive broad support from women's health advocates who see the financial barriers to healthcare as a serious issue, there may be notable opposition from some insurance groups concerned about the implications of mandated coverage. They might argue that such requirements could lead to increased premiums or challenge the operational flexibility of insurance providers. The discussions surrounding this bill might reflect a larger debate about the extent of government intervention in healthcare and the balance between preventive health obligations and insurance market dynamics.