INSURANCE/LIFE: Prohibits the use of genetic information relative to life and long-term care insurance

This bill prohibits life and long-term care insurers from using an individual's or family member's participation in genetic research or testing to deny coverage, limit benefits, or raise premiums. Under the new rules, insurers cannot consider this information unless the specific test results are already part of the person's medical record or voluntarily provided by the applicant. The legislation specifically updates existing laws to ensure that taking part in genetic studies does not negatively impact insurance eligibility or costs.