{"id":8480,"date":"2026-06-03T15:49:35","date_gmt":"2026-06-03T19:49:35","guid":{"rendered":"https:\/\/senatedems.com\/moss\/?p=8480"},"modified":"2026-06-03T15:49:40","modified_gmt":"2026-06-03T19:49:40","slug":"sen-moss-introduces-bill-to-ban-predatory-insurance-rate-practices-safeguard-michigan-consumers","status":"publish","type":"post","link":"https:\/\/senatedems.com\/moss\/2026\/06\/03\/sen-moss-introduces-bill-to-ban-predatory-insurance-rate-practices-safeguard-michigan-consumers\/","title":{"rendered":"Sen. Moss Introduces Bill to Ban Predatory\u00a0Insurance Rate Practices, Safeguard Michigan Consumers"},"content":{"rendered":"\n[et_pb_section fb_built=&#8221;1&#8243; theme_builder_area=&#8221;post_content&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221;][et_pb_row _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; type=&#8221;4_4&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<div data-ogsc=\"rgb(0, 0, 0)\">LANSING, Mich.\u00a0(June\u00a03,\u00a02026) \u2014\u00a0This week,\u00a0Sen. <b>Jeremy Moss<\/b>\u00a0(D-Bloomfield)\u00a0introduced\u00a0a\u00a0critical\u00a0piece of\u00a0legislation\u00a0as part of\u00a0Michigan\u00a0Senate Democrats\u2019 <span data-ogsc=\"rgb(5, 99, 193)\"><a href=\"https:\/\/nam11.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fsenatedems.com%2Faffordability%2F&amp;data=05%7C02%7CJLindsay%40senate.michigan.gov%7C3a39037e3db04b658af008dec1a83399%7C78e3c702d3a14260a3a77ffc88b9b8f7%7C0%7C0%7C639161125340930471%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=zGbWd7NJPYVAc7gn0PXInpF54VLv2W3N6UaOqseGue8%3D&amp;reserved=0\" originalsrc=\"https:\/\/senatedems.com\/affordability\/\" id=\"OWAf84fb322-6596-429d-fb87-472801b0fc86\" class=\"x_Hyperlink x_SCXW48399216 x_BCX0 x_OWAAutoLink\" data-auth=\"NotApplicable\" data-ogsc=\"rgb(5, 99, 193)\" title=\"Original URL: https:\/\/senatedems.com\/affordability\/ Click to follow link.\" data-outlook-id=\"37306dba-9a2b-48ee-b5ca-951543dd7443\"><u>A Michigan You Can Afford<\/u><\/a><\/span>\u00a0agenda,\u00a0working to\u00a0protect\u00a0Michigan consumers against predatory business\u00a0tactics.\u00a0The Senate Committee on Economic\u00a0and\u00a0Community Development\u00a0heard testimony\u00a0today\u00a0on Sen. <b>Moss<\/b>\u2019\u00a0legislation,\u00a0Senate Bill <span data-ogsc=\"rgb(5, 99, 193)\"><a href=\"https:\/\/nam11.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.legislature.mi.gov%2FBills%2FBill%3FObjectName%3D2026-SB-1013&amp;data=05%7C02%7CJLindsay%40senate.michigan.gov%7C3a39037e3db04b658af008dec1a83399%7C78e3c702d3a14260a3a77ffc88b9b8f7%7C0%7C0%7C639161125340953830%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=pf9aPiuR%2Bex8ot5%2Bscf%2F7yEHLq7QAmQTI55FUgH81mA%3D&amp;reserved=0\" originalsrc=\"https:\/\/www.legislature.mi.gov\/Bills\/Bill?ObjectName=2026-SB-1013\" id=\"OWA5f953d96-a3fc-2d90-3c6a-f0b0d6b23454\" class=\"x_Hyperlink x_SCXW48399216 x_BCX0 x_OWAAutoLink\" data-auth=\"NotApplicable\" data-ogsc=\"rgb(5, 99, 193)\" title=\"https:\/\/nam11.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.legislature.mi.gov%2FBills%2FBill%3FObjectName%3D2026-SB-1013&amp;data=05%7C02%7CJLindsay%40senate.michigan.gov%7C3a39037e3db04b658af008dec1a83399%7C78e3c702d3a14260a3a77ffc88b9b8f7%7C0%7C0%7C639161125340953830%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=pf9aPiuR%2Bex8ot5%2Bscf%2F7yEHLq7QAmQTI55FUgH81mA%3D&amp;reserved=0\" data-outlook-id=\"0310a7b2-c69a-4643-8e81-fd25ec736e97\"><u>1013<\/u><\/a><\/span>,\u00a0which\u00a0would\u00a0ban\u00a0auto and home\u00a0insurance companies from\u00a0using\u00a0price optimization\u00a0to\u00a0set\u00a0their\u00a0rates.\u00a0<\/div>\n<div data-ogsc=\"rgb(0, 0, 0)\">\u00a0<\/div>\n<div data-ogsc=\"rgb(0, 0, 0)\">\u201cPrice optimization is\u00a0a\u00a0shady practice that allows\u00a0insurance\u00a0companies to exploit\u00a0your\u00a0shopping\u00a0patterns\u00a0to\u00a0determine\u00a0the highest\u00a0rates\u00a0you\u00a0are willing to pay. If\u00a0they think\u00a0you\u2019ll\u00a0renew your policy,\u00a0they may\u00a0hide\u00a0rewards, discounts,\u00a0perks\u00a0and\u00a0special offers\u00a0from you \u2014 or worse, simply jack up your rates,\u201d said Sen. <b>Moss<\/b>. \u201cTwenty other states\u00a0outlaw price optimization, and Michigan\u2019s\u00a0insurance department\u00a0prohibits this practice. We must put this prohibition\u00a0permanently\u00a0into\u00a0our state\u00a0law\u00a0to protect\u00a0Michigan\u00a0consumers from billing\u00a0scams\u00a0amid skyrocketing costs.\u201d\u00a0<\/div>\n<div data-ogsc=\"rgb(0, 0, 0)\">\u00a0<\/div>\n<div data-ogsc=\"rgb(0, 0, 0)\">Price optimization occurs when an\u00a0insurance company sets rates based on what\u00a0it\u00a0believes\u00a0a consumer will tolerate paying, oftentimes\u00a0unfairly\u00a0penalizing loyal customers with\u00a0higher\u00a0rates\u00a0or\u00a0offering discounts\u00a0only\u00a0to\u00a0those who threaten to\u00a0leave their policy and\u00a0find a\u00a0new insurance provider. \u00a0<\/div>\n<div data-ogsc=\"rgb(0, 0, 0)\">\u00a0<\/div>\n<div data-ogsc=\"rgb(0, 0, 0)\">Senate Bill 1013\u00a0remains\u00a0in\u00a0the\u00a0Senate Committee on\u00a0Economic\u00a0and\u00a0Community Development\u00a0for\u00a0further\u00a0consideration.\u00a0Learn more about Senate Democrats\u2019\u00a0A Michigan\u00a0You Can Afford agenda <span data-ogsc=\"rgb(5, 99, 193)\"><a href=\"https:\/\/nam11.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fsenatedems.com%2Faffordability%2F&amp;data=05%7C02%7CJLindsay%40senate.michigan.gov%7C3a39037e3db04b658af008dec1a83399%7C78e3c702d3a14260a3a77ffc88b9b8f7%7C0%7C0%7C639161125340965365%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=6tvtifGN8fLBEOZ6ycVjduFXhtB6Ug7XBf1lja%2FQiRU%3D&amp;reserved=0\" originalsrc=\"https:\/\/senatedems.com\/affordability\/\" id=\"OWA8c113129-aa46-75bf-3f7b-eb0ec33fa2b4\" class=\"x_Hyperlink x_SCXW48399216 x_BCX0 x_OWAAutoLink\" data-auth=\"NotApplicable\" data-ogsc=\"rgb(5, 99, 193)\" title=\"https:\/\/nam11.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fsenatedems.com%2Faffordability%2F&amp;data=05%7C02%7CJLindsay%40senate.michigan.gov%7C3a39037e3db04b658af008dec1a83399%7C78e3c702d3a14260a3a77ffc88b9b8f7%7C0%7C0%7C639161125340965365%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=6tvtifGN8fLBEOZ6ycVjduFXhtB6Ug7XBf1lja%2FQiRU%3D&amp;reserved=0\" data-outlook-id=\"a1bbde88-49e7-4466-8003-af9c8277de9f\"><u>here.<\/u><\/a><\/span>\u00a0<\/div>\n<div data-ogsc=\"rgb(0, 0, 0)\"><\/div>\n<div data-ogsc=\"rgb(0, 0, 0)\"><\/div>\n<div data-ogsc=\"rgb(0, 0, 0)\"><\/div>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<p style=\"text-align: center;\">###<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>LANSING, Mich.\u00a0(June\u00a03,\u00a02026) \u2014\u00a0This week,\u00a0Sen. Jeremy Moss\u00a0(D-Bloomfield)\u00a0introduced\u00a0a\u00a0critical\u00a0piece of\u00a0legislation\u00a0as part of\u00a0Michigan\u00a0Senate Democrats\u2019 A Michigan You Can Afford\u00a0agenda,\u00a0working to\u00a0protect\u00a0Michigan consumers against predatory business\u00a0tactics.\u00a0The Senate Committee on Economic\u00a0and\u00a0Community Development\u00a0heard testimony\u00a0today\u00a0on Sen. Moss\u2019\u00a0legislation,\u00a0Senate Bill 1013,\u00a0which\u00a0would\u00a0ban\u00a0auto [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":8481,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","twitterCardType":"","cardImageID":0,"cardImage":"","cardTitle":"","cardDesc":"","cardImageAlt":"","cardPlayer":"","cardPlayerWidth":0,"cardPlayerHeight":0,"cardPlayerStream":"","cardPlayerCodec":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-8480","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-release"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Sen. 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