Michigan DIFS 2025 Regulatory Bulletins

Detected March 18th, 2026

Summary

The Michigan Department of Insurance and Financial Services (DIFS) has published its list of 2025 regulatory bulletins. These bulletins cover various insurance and financial services topics, including adjustments to maximum charges, escrow amounts, benefit limits, and filing requirements. Some bulletins supersede previous versions from 2024 or earlier in 2025.

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What changed

The Michigan Department of Insurance and Financial Services (DIFS) has released its 2025 list of regulatory bulletins, which provide guidance and updates on various insurance and financial regulations. These bulletins address topics such as maximum copying charges, annual adjustments for fire insurance escrow and work loss benefits, claims administration practices, eligibility for reimbursements, and filing requirements for medical plans. Several bulletins supersede prior versions, indicating ongoing updates and clarifications to existing regulations.

Regulated entities, particularly insurers operating in Michigan, should review these bulletins to ensure compliance with updated requirements. While specific compliance deadlines are not detailed in this overview, the bulletins themselves will contain the necessary information for adherence. Failure to comply with the guidance provided in these bulletins could lead to regulatory scrutiny or enforcement actions by DIFS.

What to do next

Review all listed 2025 DIFS bulletins for applicability to operations.
Identify and implement any changes to policies or procedures required by the bulletins.
Note any superseded bulletins and ensure compliance with the latest versions.

Source document (simplified)

2025 Bulletins

### Bulletin 2025-28-INS Essential Insurance Act: Maximum Copying Charge under MCL 500.2113(2)(a) (supersedes Bulletin 2024-28-INS)

### Bulletin 2025-27-INS Annual Adjustment of the Fire Insurance Maximum Escrow under Section 2845 of the Michigan Insurance Code (supersedes Bulletin 2024-27-INS)

### Bulletin 2025-25-INS Improper Claims Administration Practices in Automobile Insurance (supersedes Bulletin 2025-19-INS)

### Bulletin 2025-24-INS Eligibility for Reimbursement under MCL 500.3157(4)(a), MCL 500.3157(4)(b), MCL 500.3157(5), and MCL 500.3157(6) (supersedes Bulletin 2024-25-INS)

### Bulletin 2025-23-INS COVID-19 Vaccinations

### Bulletin 2025-22-INS Short-Term Limited Duration Policies and Fixed Indemnity Excepted Benefits

### Bulletin 2025-21-INS Reciprocal Exchange Continuous Filing Requirements (supersedes Bulletin 2025-17-INS)

### Bulletin 2025-20-INS Investigations of Pharmacy Benefit Managers

Bulletin 2025-19-INS

Improper Claims Administration Practices in Automobile Insurance (superseded by Bulletin 2025-25-INS)

### Bulletin 2025-18-INS Annual Adjustment of the Maximum Work Loss Benefit and Survivors' Loss Benefits Payable Under Policies of Personal Protection Insurance (supersedes Bulletin 2024-19-INS)

Bulletin 2025-17-INS

Reciprocal Exchange Continuous Filing Requirements (superseded by Bulletin 2025-21-INS)

### Bulletin 2025-16-BT Bank and Savings Bank Supervisory and Trust Fees (supersedes Bulletin 2024-16-BT)

### Bulletin 2025-15-INS PY 2026 Amended Filing Requirements for Medical Plans in the Individual Market (supersedes, in part, Bulletin 2025-08-INS)

### Bulletin 2025-14-INS Annual Adjustment of the Fire Insurance Maximum Escrow under Section 2227 of the Michigan Insurance Code (supersedes Bulletin 2024-21-INS)

### Bulletin 2025-13-INS Medical Loss Ratio Reporting Requirements

### Bulletin 2025-12-INS Use of Aerial Imagery by Personal Lines Homeowners and Dwelling Insurers

### Bulletin 2025-11-INS Payment and Billing Guidance for No-Fault Automobile Insurers and Health Care Providers (supersedes Bulletin 2024-06-INS)

### Bulletin 2025-10-INS Michigan Property and Casualty Guaranty Association's Annual Adjustment of an Insured's Maximum Unearned Premium Refund (supersedes Bulletin 2024-13-INS)

### Bulletin 2025-09-INS 2026 Form and Rate Filing Requirements for Stand-Alone Dental Plans

### Bulletin 2025-08-INS 2026 Form and Rate Filing Requirements for Medical Plans (superseded by, in part, Bulletin 2025-15-INS)

### Bulletin 2025-07-INS Personal Injury Protection (PIP) Choice Forms and Bodily Injury Coverage Limits Form (supersedes Bulletin 2023-11-INS)

Bulletin 2025-06-INS

Qualified Health Coverage Deductible Adjustment (supersedes Bulletin 2024-03-INS; superseded by Bulletin 2026-08-INS)

Bulletin 2025-05-INS

Auto Insurance: Fee Schedule CPI Adjustment (supersedes Bulletin 2024-08-INS; superseded by Bulletin 2026-09-INS)

Bulletin 2025-04-INS

Michigan Property and Casualty Guaranty Association’s Annual Adjustment of the Net Worth Limit and Claim Cap Pursuant to MCL 500.7925(4) and (6) (supersedes Bulletin 2024-04-INS; superseded by Bulletin 2026-04-INS)

### Bulletin 2025-03-CF Documentary Preparation Fee Adjustment Under the Motor Vehicle Sales Finance Act (supersedes Bulletin 2023-01-CF)

### Bulletin 2025-02-INS Pharmacy Benefit Manager Transparency Report

Bulletin 2025-01-INS

Maximum Amount of Cemetery or Funeral Predeath Assignment Under the Michigan Insurance Code (supersedes Bulletin 2024-10-INS; superseded by Bulletin 2026-10-INS)