This bill would require Michigan health insurance plans to count all payments made for prescription drugs—whether you pay out of pocket, use a manufacturer’s discount card, or receive help from an assistance program—toward your deductible and out-of-pocket maximum. This means that discounts or coupons from drug companies would also count. The rule applies to plans issued or renewed after December 31, 2025, with special guidelines for high-deductible plans and some exceptions for generic drugs.