Can issuers extend or renew short-term limited duration policies for longer than permitted by Michigan law?

Federal regulations permit issuers to renew or extend short-term limited duration policies up to a maximum of 36 months. However, Section 2213b(9) of the Insurance Code, MCL 500.2213b(9), governs short-term limited duration policies issued in Michigan, and limits the total period of coverage to 185 days out of any 365-day period. The federal regulations do not preempt Michigan law. Accordingly, short-term limited duration policies issued in Michigan must comply with Section 2213b(9) and cannot be renewed or extended for more than 185 days.