Michigan House Bill HB5406

Michigan 2025-2026 Regular Session

• Introduced: 12/18/25
• Refer: 12/18/25

Caption

Insurance: health insurers; organ transplant coverage; prohibit if the organ is from a country known for organ harvesting. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ww.

Impact

The bill's implementation will result in significant changes in the way health insurance policies handle organ transplants, specifically limiting coverage based on the geographical location of the transplant or the origin of the organ. This adjustment reflects an increasing awareness and concern regarding human rights abuses in foreign countries and the need for domestic regulatory frameworks that align with ethical medical practices. The bill aims to protect Michigan residents and promote awareness of forced organ harvesting practices globally.

Summary

House Bill 5406 seeks to amend the Michigan Insurance Code by introducing a provision that prohibits health insurers from covering human organ transplants if the transplant operation occurs in countries associated with forced organ harvesting, such as China. Furthermore, the bill specifies that insurers cannot provide coverage for organs procured through sale or donations from such countries. The intent behind this legislation is to ensure ethical standards in organ transplantation and to safeguard residents from unethical practices associated with organ harvesting.

Contention

Notably, the bill could spark controversy surrounding its enforcement and the designation of countries involved in forced organ harvesting. Critics may argue that the bill risks discriminating against patients needing organ transplants who might be restricted from seeking treatment outside the U.S. given the stringent conditions set forth. Additionally, the definition of 'forced organ harvesting' needs clear delineation to avoid ambiguity, which might complicate legal interpretations and insurance underwriting processes.