HB 1007 Maryland House of Delegates · 2025 Regular Session

Disability and Life Insurance - Medical Information (Genetic Testing Protection Act)

HB 1007, the Genetic Testing Protection Act, prohibits life, disability, and long-term care insurance companies in Maryland from denying coverage, increasing premiums, or limiting benefits based on an applicant’s or policyholder’s genetic test results or requests for genetic testing. It directly affects individuals seeking or holding these insurance policies who undergo genetic testing. The bill blocks insurers from using genetic information (defined as test results not for diagnosis or therapy) to make coverage decisions, while allowing them to review standard medical records or diagnoses. It explicitly excludes routine blood tests, drug screenings, and family medical history (unless tied to genetic testing) from the prohibition. The law takes effect October 1, 2025.

Issues: ✓ Healthcare

Bill status signed all 5 stages cleared

Introduction

Jan 2025

Committee Review

Apr 2025

House of Delegates Passage

Apr 2025

Senate Passage

Apr 2025

Signed into Law

May 2025

Introduced Jan 31, 2025 Signed May 6, 2025

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What changed between versions

First - Genetic Testing - Prohibition on Disability, Life, and Long-Term Care Insurance (Genetic Testing Protection Act) → Third - Disability and Life Insurance - Medical Information (Genetic Testing Protection Act) · 5 edits

MODERATE

The bill was amended to expand its scope and add new protections for individuals. The title and purpose now explicitly include 'Disability and Life Insurance' and address unfair discrimination based on medical information. New provisions prohibit insurers from accessing sensitive medical data without written consent and forbid mandating genetic testing or full genome sequencing as a requirement for insurance eligibility.

Scope change

The bill's scope was expanded to more explicitly cover unfair discrimination based on medical information and to prohibit carriers from mandating genetic testing or genome sequencing as a prerequisite for insurance.

SCOPE

The bill title and purpose were updated to include 'Disability and Life Insurance' and to explicitly prohibit unfair discrimination based on medical information.

REQUIREMENT

New requirements prohibit insurance carriers from accessing sensitive medical information, including genetic data, without first obtaining the individual's signed, written consent.

New provisions forbid insurance carriers from mandating existing or new genetic testing or full genome sequencing as a prerequisite for life or disability insurance eligibility or coverage.

New language was added to Section 1(C)(1) to prohibit unfair discrimination against individuals by conditioning insurance rates, coverage, or other conditions based on medical information, including genetic test results, unless there is a relationship between the information and the cost of the insurance risk.

DEFINITION

The definition of 'Genetic Information' was modified to clarify exclusions and formatting, with some reorganization of the list of excluded items.

Floor votes · Senate Mar 24, 2025 · House of Delegates Mar 8, 2025

How they voted

46–0

Passed

Total votes 46

Mar 24, 2025

D Democratic33

33 Yea

100% Yea

R Republican13

13 Yea

100% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

May 6, 2025

Signed into law

Approved by the Governor - Chapter 394

executive

Apr 7, 2025

Lower · Passed

Returned Passed

lower

Apr 7, 2025

Upper · Passed

Third Reading Passed

upper

Apr 7, 2025

Introduced

House Refuses Concur Senate Amendments

upper

Apr 5, 2025

Introduced

House Refuses Concur Senate Amendments

lower

Apr 4, 2025

Upper · Passed

Third Reading Passed

upper

Apr 4, 2025

Introduced

Floor Amendment {

upper

Apr 4, 2025

Upper · Passed

Favorable Adopted

upper

Apr 4, 2025

Upper · Passed

Favorable Report by Finance

upper

Mar 24, 2025

Senate · Passed

Senate Vote: pass (46-0)

senate

Mar 17, 2025

Committee

Referred Finance

upper

Mar 17, 2025

Lower · Passed

Third Reading Passed

lower

Mar 15, 2025

Lower · Passed

Favorable with Amendments {

lower

Mar 15, 2025

Lower · Passed

Favorable with Amendments Report by Health and Government Operations

lower

Mar 8, 2025

House Of Delegates · Passed

House of Delegates Vote: pass (135-2-2)

house of delegates

Jan 31, 2025

Committee

First Reading Health and Government Operations

lower

24 primary · 0 co-sponsors