Long-term care, life, and disability insurers prohibited from using genetic information for certain purposes.

HF 3701 prohibits long-term care, life, and disability insurers in Minnesota from denying coverage, changing premiums, or requiring genetic testing based on an individual's genetic information. The bill bans insurers from using genetic test results to make coverage decisions or forcing applicants to undergo genetic testing as a condition for obtaining or renewing policies. It allows insurers to access existing genetic information in medical records only with the individual's separate, written consent, and permits consideration of medical diagnoses (even if based on genetic tests) without requiring consent. The law takes effect August 1, 2026, for new or renewed policies.