MI SB0973

Requires health insurers delivering or renewing policies in Michigan to cover over-the-counter and emergency contraception at in-network pharmacies without a prescription, effective January 1, 2026

Coverage applies only to contraceptives covered on the insurer's formulary, including hormonal drugs approved by the FDA to prevent pregnancy

Insurer utilization management, prior authorization, quantity limits, and precertification requirements remain applicable to covered contraception

Defines "emergency contraception" as FDA-approved drugs to prevent pregnancy following unprotected intercourse or suspected contraceptive failure