AN ACT RELATING TO INSURANCE -- LIFE INSURANCE POLICIES AND RESERVES

Summary

The bill bars life, disability‑income protection, and long‑term care insurers from canceling, limiting, denying coverage, or charging higher premiums based on a person's genetic information when there is no clinical diagnosis. Insurers may still review medical records, ask about family health history, and consider diagnosed conditions. The goal is to remove a barrier that discourages people from seeking genetic testing.

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