MI HB5669

Adds provision allowing named insureds to permanently select a qualified health coverage exclusion for personal protection insurance (PIP) benefits, with selection continuing until the insured revokes it in writing or switches to a different insurer.

Requires insurers to reduce PIP premiums by 100% for all household members with qualified health coverage that covers motor vehicle accident injuries, and offer prorated reductions for households where only some members have such coverage.

Requires named insureds to notify their insurer within 30 days if they lose qualified health coverage and obtain replacement coverage including the previously excluded benefits, or face loss of PIP benefits during the gap period.

Allows persons without coverage during a gap period to claim benefits under the assigned claims plan if they suffer injury from a motor vehicle accident.

Prohibits insurers from refusing to insure, limiting coverage, charging reinstatement fees, or increasing premiums for eligible persons solely because they previously failed to obtain required insurance within the specified timeframe.