The proposed bill, titled "An Act prohibiting genetic discrimination," aims to amend existing laws in Massachusetts to protect individuals from discrimination based on genetic information. It introduces a new definition of "Discrimination" in section 108I of chapter 175, which encompasses actions such as cancellation, refusal to issue or renew policies, charging increased rates, and restricting coverage based on genetic test results or information. The bill prohibits insurers, agents, or brokers from discriminating against individuals in the context of disability insurance and long-term care policies due to genetic information. It also stipulates that applicants for such insurance are not required to disclose whether they have taken a genetic test, and any application requesting this information must inform applicants of their right not to answer.

Additionally, the bill amends section 120E of chapter 175 to include similar protections against discrimination in life insurance policies. It removes previous paragraphs that allowed insurers to inquire about genetic testing and reinforces the authority of the commissioner of insurance to investigate and penalize discriminatory practices. The overall goal of the bill is to ensure that individuals are not unfairly treated in insurance matters based on their genetic information, thereby promoting fairness and equity in the insurance industry.

Statutes affected:
Bill Text: 175-108I