Health Partners works hard as a consumer advocate to protect against attempts by insurance companies to reduce the coverage available under Michigan Auto No-Fault insurance law. In fact, we’re so passionate about this system that we are one of the founding members of the NeuroTrauma Association, an advocacy organization with the singular goal of spreading the lifetime coverage model to other states.

John Gwynne Prosser II, Vice President of Health Partners, Inc, also serves as the President of the NeuroTrauma Association. He is active with the legislature and media both in Michigan and in other states, and spends much of his time advocating for this system. John encourages everyone to learn about their benefits, or lack thereof, and to take action. By becoming an informed advocate of this law and educating your legislators, friends, family, and local media, you can make a difference in the outcome of this important cause.

John Gwynne Prosser II also authored the book, “The Educated Consumers Guide to No-Fault Automobile Insurance”. You can purchase this book at

Michigan Auto No-Fault Reform Debate is Discussed on Michigan's Big Show Radio Program

YouTube Video posted on January 24, 2014
Featuring Dr. Owen Pearlman of Trinity Health Associates and John Cornack, President of the Coalition Protecting Auto No-Fault.

Michigan Auto No-Fault Reform Debate is Discussed on Michigan's Big Show Radio Program

YouTube Video posted on January 24, 2014
Michael Harris, Executive Director of the Paralyzed Veterans of Michigan shares his personal story. John Prosser II of Health Partners, Inc. is also featured.

Michigan's Big Show Radio Program Hosted by: Michael Patrick Shiels

YouTube Video posted on January 24, 2014
Featuring: John Prosser, Vice President, Health Providers Inc. George Sinas, MSU Law Professor Fred Nader, Co-Owner, Walk the Line Rehabilitation

Mitch Albom Endorses MI Auto No-Fault Law

YouTube Video posted on January 24, 2014
Mitch Albom endorses Michigan's Auto No-Fault Policy

Head-to-Head: The MCAA and CPAN's Sides of Auto No-Fault Reform

Audio File posted on November 22, 2013
Mr. Pete Kuhnmuench, insurance lobbyist, is interviewed on the Tony Conley Morning Show. He believes that the no-fault system needs repair in order for the catastrophic claims fund to stay healthy.

Citizens Research Council Presents Paper on Health Care Costs Associated with Auto-No Fault: "A Narrow View"

Audio File posted on October 24, 2013
Nicole Bradshaw of the CRC of Michigan is heard on the Tony Conley Morning Show (AM Radio 1320 WILS) discussing their recent paper on health care costs associated with Michigan's Auto-No Fault insurance.  She describes the report as having a "very narrow view" and clarifys that only the medical costs were researched and that no other factors the make up an auto-insurance premium were considered in the study.  The CRC is an independent study and does not take a position on the reform issue.

The CRC Report on Auto No-fault Medical Costs - Not The Whole Picture.

Audio File posted on October 24, 2013
John Prosser II is interviewed on the Tony Conley Morning Show (AM Radio 1320 WILS) about the report recently released by the Citizens Research Council on auto no-fault medical costs. In the interview, Prosser notes how the study does not address collision costs (approx. 50% of a policy) or insurance company profitability. The Citizens Research Council also claimed that it contacted interested parties in developing the report, but CPAN - an industry association that represents more than 30 different interested parties - was not contacted.

The Need for Transparency by MCCA in the Auto No-Fault Debate

Audio File posted on October 21, 2013
John Prosser and CPAN legal council George Sinas discuss the need for MCCA data (transparency) during the second segment of a two-part series hosted by Mitch Albom.  

Why MI Auto No-Fault is Superior to Other Coverages

Audio File posted on October 21, 2013
Mitch Albom hosts Dr. Owen Perlman, CPAN President John Cornack and BIA President Mike Dabbs to discuss why Michigan auto no-fault is superior to other coverages.

Seniors Need PIP Benefits (HB 4959)

Press Release posted on September 19, 2013
Key issue: 

" An owner or registrant of a motor vehicle required to be registered in this state who is an individual 65 years of age or older is not required to maintain security for benefits under personal protection insurance."

The supposition is that this population is already covered, whether by their personal health insurance, or eventually Medicare/Medicaid, and thus they are being made to pay twice for benefits.  However, all of these coverages have distinct shortfalls with regards to the benefits covered under personal injury protection in auto no-fault.

Lively Town Hall Discussion Uncovers the Issues around MI Auto-No Fault Reform

Press Release posted on August 27, 2013
Larry Ruehlen, Staff Writer for reports on the continued debate over Michigan's Auto-No Fault reform in this article, "No Fault Insurance Debate Rages On".  His story, which effectively illuminates both sides of the argument, centered on a panel discussion that was held at Greater Grace Temple in Detroit and was organized by state Rep. Phil Cavanagh, D-Redford Township.  The discussion lasted over 2 hours.

The article quoted Melvin "Butch" Hollowell, NAACP general counsel, as saying, "It's not like accidents won't still happen," he said. "They will, but once the $1 million cap is reached and the victim is broke, the costs will be switched over to the Medicare system."

Click "more" to access a PDF download of the entire article.


A Summary of House Bill 4612 (H-1) as Reported from House Commitee

Press Release posted on August 7, 2013
This is the 18 page report by the House Committee that sumarizes the amendments proposed to Michigan's Auto No-Fault coverages.

FOIA Request Filed: MCCA Requested to Share it's Methods and Calculations

Press Release posted on June 10, 2013
The Coalition Protecting Auto No-Fault (CPAN)files a formal FOIA request against the Michigan Catastrophic Claims Association (MCCA).

CPAN: Helping Michigan Residents Speak Out

Press Release posted on May 28, 2013

MI Auto Law Picks the 7 Worst Auto Insurance Companies

Press Release posted on May 28, 2013
A firm of insurance lawyers share this infographic based on experiences with various insurance companies. Here's the list of what they think people should stay away from.

Prosser Talks with Mitch Albom about the Impact of Auto No-Fault Legislation

Audio File posted on May 28, 2013
Listen and learn how insurance companies are hoping to convince you that a savings of 33 cents per day is worth the financial livelihoods and even the lives of many Michiganders.

"Insurance Oversight: Policy Implications for U.S. Consumers, Business, and Jobs"

Press Release posted on March 19, 2013

Birny Birnbaum testifies in front of the Committee on Financial Services in the U.S. House of Representatives on the general lack of oversight in the insurance industry.

An Analysis of Michigan Auto Insurance Profitability and the Role of the Michigan Catastrophic Claims Association

Press Release posted on March 19, 2013
Birny Birnbaum submits his argument that available data indicate that the Michigan no-fault system delivers comprehensive benefits in an efficient manner.

Auto Insurers' Coordinated Benefits Policies Under Fire

Press Release posted on March 19, 2013
Jay Greene of Crain's Detroit Business explains CPAN's efforts to have rates reduced for drivers who purchase coordinated policies.

Birny Birnbaum's Supplemental Analysis

Press Release posted on March 19, 2013
Birny Birnbaum, former chief economist at the Texas Department of Insurance, issues his supplemental analysis of MCCA.