MI SB1244

Requires health insurance policies to permit dependent children to remain on parental coverage until age 26 if unmarried, without dependents, continuously covered with no break exceeding 62 days, and not eligible for employer-sponsored coverage.

Prohibits health benefit plans from being rescinded, canceled, or limited due to failure to complete medical underwriting before issuing the contract, except in cases of intentional misrepresentation.

Mandates that small employer carriers renew health benefit plans at the employer's option at a premium rate that does not account for claims experience or health status changes after initial issuance.

Limits preexisting condition exclusions to 12 months for individual and small group (2-50) policies and 6 months for large group (50+) policies, only for conditions with medical advice received within 6 months before enrollment.

Restricts short-term limited duration policies (185 days or less) to no more than 10% of an insurer's total individual health insurance premiums in any calendar year.