MI SCR0036

Expresses support for an amendment to the Patient Protection and Affordable Care Act (PPACA) to include Health Savings Account (HSA) contributions in the medical loss ratio (MLR) calculation for insurance companies.

Notes that the PPACA requires insurers to spend 80-85 percent of revenues on medical benefits or provide rebates to consumers, but the current MLR calculation does not account for HSA contributions used to pay deductibles.

Identifies that over 13 million consumers use high-deductible health plans (HDHPs) paired with HSAs, which offer lower premiums in exchange for higher deductibles.

Argues that without amending the MLR regulations, insurers will find it financially unsustainable to offer HDHPs, eliminating a cost-control option for consumers.

Directs copies of the resolution to be sent to the Michigan Attorney General, U.S. Senate President, U.S. House Speaker, and Michigan's congressional delegation.