MI| Bulletin 2025-23-INS, issued by the Michigan Department of Insurance and Financial Services, mandates that health insurers in the individual and small group markets must continue to cover COVID-19 vaccinations without cost-sharing, following Executive Directive 2025-7 and Michigan law MCL 500.3406bb. This requirement is aligned with recommendations from the federal Advisory Committee on Immunization Practices (ACIP) and applies as long as COVID-19 vaccines remain recommended by ACIP, with exceptions only as specified under federal regulations. The bulletin also notes that individuals over six months old who have not received an FDA-approved or authorized COVID-19 vaccine for 2025-2026 are considered high risk and remain eligible for vaccination. Any changes to ACIP recommendations would require coverage adjustments to take effect in the following plan year, one year after such federal guidance is updated. Consumers with related insurance questions are directed to contact DIFS for further assistance.
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