{"id":8528,"date":"2026-07-02T17:03:43","date_gmt":"2026-07-02T21:03:43","guid":{"rendered":"https:\/\/senatedems.com\/moss\/?p=8528"},"modified":"2026-07-02T17:03:48","modified_gmt":"2026-07-02T21:03:48","slug":"senate-democrats-pass-bill-to-ban-predatory-insurance-rate-practices-cut-consumer-costs","status":"publish","type":"post","link":"https:\/\/senatedems.com\/moss\/2026\/07\/02\/senate-democrats-pass-bill-to-ban-predatory-insurance-rate-practices-cut-consumer-costs\/","title":{"rendered":"Senate Democrats Pass Bill to Ban Predatory Insurance Rate Practices, Cut Consumer Costs"},"content":{"rendered":"\n[et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.5″ _module_preset=”default”][et_pb_row _builder_version=”4.27.5″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.5″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]

LANSING, Mich.\u00a0(July\u00a02,\u00a02026) \u2014\u00a0Today, Senate\u00a0Democrats\u00a0advanced a\u00a0critical\u00a0piece of\u00a0legislation\u00a0within\u00a0their<\/span>\u00a0<\/i>A Michigan You Can Afford<\/u><\/i><\/a><\/span>\u00a0agenda\u00a0by passing\u00a0a bill to protect\u00a0Michigan consumers against\u00a0exploitive\u00a0insurance billing\u00a0tactics. Sponsored by\u00a0Sen. <\/span>Jeremy Moss<\/b>\u00a0(D-Bloomfield),\u00a0Senate Bill <\/span>1013<\/u><\/a><\/span>\u00a0would\u00a0ban\u00a0insurance companies from\u00a0using\u00a0the practice of\u00a0price optimization\u00a0to\u00a0set\u00a0their\u00a0rates.\u00a0<\/span><\/p>\n

\u201cInsurers use\u00a0price optimization to\u00a0unfairly raise the\u00a0rates of\u00a0their most loyal\u00a0customers just\u00a0because they know they can\u00a0\u2014\u00a0all the while\u00a0Michigan\u00a0drivers\u00a0are\u00a0already\u00a0paying\u00a0some of the highest\u00a0car insurance\u00a0premiums\u00a0in\u00a0the\u00a0nation,\u201d said Sen. Moss<\/b>. \u201cI\u2019m\u00a0grateful\u00a0to\u00a0advance the\u00a0ban\u00a0of this exploitive practice\u00a0out of the Senate today\u00a0and\u00a0move a step closer to\u00a0aligning Michigan with\u00a0the twenty other states that outlaw\u00a0this\u00a0predatory\u00a0billing\u00a0scam.\u201d\u00a0<\/span><\/p>\n

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\u00a0insurance provider. \u00a0<\/span><\/p>\n

Senate Bill 1013\u00a0now heads to the House of Representatives for further consideration.\u00a0Learn more about Senate Democrats\u2019 A Michigan You Can Afford<\/i>\u00a0agenda here<\/u><\/a>.\u00a0<\/span><\/p>\n

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LANSING, Mich.\u00a0(July\u00a02,\u00a02026) \u2014\u00a0Today, Senate\u00a0Democrats\u00a0advanced a\u00a0critical\u00a0piece of\u00a0legislation\u00a0within\u00a0their\u00a0A Michigan You Can Afford\u00a0agenda\u00a0by passing\u00a0a bill to protect\u00a0Michigan consumers against\u00a0exploitive\u00a0insurance billing\u00a0tactics. Sponsored by\u00a0Sen. Jeremy Moss\u00a0(D-Bloomfield),\u00a0Senate Bill 1013\u00a0would\u00a0ban\u00a0insurance companies from\u00a0using\u00a0the practice of\u00a0price optimization\u00a0to\u00a0set\u00a0their\u00a0rates.\u00a0 \u201cInsurers use\u00a0price […]<\/p>\n","protected":false},"author":17,"featured_media":8372,"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-8528","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-release"],"yoast_head":"\nSenate Democrats Pass Bill to Ban Predatory Insurance Rate Practices, Cut Consumer Costs - Senator Jeremy Moss<\/title>\n<meta name=\"description\" content=\"Senate Bill 1013 would prevent insurers from setting their rates with price optimization tactics, safeguard Michigan consumers\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senatedems.com\/moss\/2026\/07\/02\/senate-democrats-pass-bill-to-ban-predatory-insurance-rate-practices-cut-consumer-costs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Senate Democrats Pass Bill to Ban Predatory Insurance Rate Practices, Cut Consumer Costs\" \/>\n<meta property=\"og:description\" content=\"Senate Bill 1013 would prevent insurers from setting their rates with price optimization tactics, safeguard Michigan consumers\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senatedems.com\/moss\/2026\/07\/02\/senate-democrats-pass-bill-to-ban-predatory-insurance-rate-practices-cut-consumer-costs\/\" \/>\n<meta property=\"og:site_name\" content=\"Senator Jeremy Moss\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-02T21:03:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-02T21:03:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/senatedems.com\/moss\/wp-content\/uploads\/sites\/13\/2026\/03\/sen-moss-1024x683.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"jlindsay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"jlindsay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/senatedems.com\\\/moss\\\/2026\\\/07\\\/02\\\/senate-democrats-pass-bill-to-ban-predatory-insurance-rate-practices-cut-consumer-costs\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/senatedems.com\\\/moss\\\/2026\\\/07\\\/02\\\/senate-democrats-pass-bill-to-ban-predatory-insurance-rate-practices-cut-consumer-costs\\\/\"},\"author\":{\"name\":\"jlindsay\",\"@id\":\"https:\\\/\\\/senatedems.com\\\/moss\\\/#\\\/schema\\\/person\\\/45d5eb060d7edbcdc7627afd6f26c534\"},\"headline\":\"Senate Democrats Pass Bill to Ban Predatory Insurance Rate Practices, Cut Consumer Costs\",\"datePublished\":\"2026-07-02T21:03:43+00:00\",\"dateModified\":\"2026-07-02T21:03:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/senatedems.com\\\/moss\\\/2026\\\/07\\\/02\\\/senate-democrats-pass-bill-to-ban-predatory-insurance-rate-practices-cut-consumer-costs\\\/\"},\"wordCount\":285,\"image\":{\"@id\":\"https:\\\/\\\/senatedems.com\\\/moss\\\/2026\\\/07\\\/02\\\/senate-democrats-pass-bill-to-ban-predatory-insurance-rate-practices-cut-consumer-costs\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/senatedems.com\\\/moss\\\/wp-content\\\/uploads\\\/sites\\\/13\\\/2026\\\/03\\\/sen-moss.jpg\",\"articleSection\":[\"Press Release\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/senatedems.com\\\/moss\\\/2026\\\/07\\\/02\\\/senate-democrats-pass-bill-to-ban-predatory-insurance-rate-practices-cut-consumer-costs\\\/\",\"url\":\"https:\\\/\\\/senatedems.com\\\/moss\\\/2026\\\/07\\\/02\\\/senate-democrats-pass-bill-to-ban-predatory-insurance-rate-practices-cut-consumer-costs\\\/\",\"name\":\"Senate Democrats Pass Bill to Ban Predatory Insurance Rate Practices, Cut Consumer Costs - 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