Michigan Public Acts 21 & 22 – Employer Compliance Form

Compliance, Employee Benefits

Effective July 1, 2020, residents of the State of Michigan may purchase automobile insurance policies with reduced personal injury protection (PIP) coverage under Michigan Public Acts 21 and 22 of 2019. Michigan is a no-fault auto insurance state that previously required all policies to include personal injury protection without a dollar maximum on coverage.

To qualify for this change, Michigan residents must provide proof of Qualified Health Coverage if they wish to purchase automobile insurance coverage with reduced PIP limits. If the individual is covered under a fully-insured health plan, they will contact the insurance carrier for proof of coverage. Self-funded employers with employees in Michigan should be prepared to provide their employees with proof of qualified health coverage.

Qualified Health Coverage:

An employee who is covered under Medicare Part A and Part B also has Qualified Health Coverage.

  • May not exclude coverage for motor vehicle accidents, and
  • Has an annual deductible of $6,000 or less per covered individual.


Employers in Michigan are not required to provide Qualified Health Coverage as defined by Michigan Public Acts 21 and 22 of 2019. If an organization utilizes a self-funded health insurance plan and your plan meets the definition of Qualified Health Coverage, the attached template can be used to provide your employees with proof of coverage.


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