MI SB1143

Prohibits insurers from denying, conditioning, or price-discriminating Medicare supplement policies based on health status, claims experience, or medical condition for applicants during the 6-month period after enrolling in Medicare Part B at age 65 or older.

Extends guaranteed issue protections to non-age-eligible Medicare Part B enrollees during their initial 6-month enrollment period and to those already enrolled in Medicare Part B as of the bill's effective date within a 6-month window.

Allows applicants currently insured under a Medicare supplement policy to switch to a different insurer's same policy without medical underwriting if they apply within 60 days of their birthday.

Requires insurers offering Medicare supplement policies to non-age-eligible individuals to charge premiums no higher than rates for 65-year-olds and prohibit waiting periods or preexisting condition exclusions.

Makes all Medicare supplement policies currently offered by an insurer available to all qualifying applicants regardless of age, without preexisting condition exclusions for applicants with 6 months of prior creditable coverage.