MI HB5891

Prohibits insurers from denying, conditioning, or discriminating in pricing of Medicare supplement policies based on health status, claims experience, or medical conditions for applicants during their initial 6-month Medicare Part B enrollment period.

Extends guaranteed issue protections to non-age-eligible individuals who enroll in Medicare Part B, including those already enrolled before the bill's effective date with a 6-month application window.

Creates a birthday rule allowing applicants already insured under a Medicare supplement policy to switch to a different insurer within 60 days of their birthday without medical underwriting, provided they maintain the same policy type.

Requires insurers offering Medicare supplement policies to non-age-eligible individuals to cap premiums at the rate charged to 65-year-olds and prohibits waiting periods or preexisting condition exclusions.

Eliminates age-based restrictions by requiring insurers to make all currently available Medicare supplement policies accessible to qualifying applicants regardless of age.