This bill aims to protect individuals from discrimination by long-term care, life, and disability insurers based on genetic information. It amends Minnesota Statutes 2024, section 72A.139, subdivision 2, to clarify definitions related to genetic information and introduces a new section, 72A.1391, which explicitly prohibits insurers from denying, canceling, or limiting coverage based on an individual's genetic information. Insurers are also barred from requiring genetic testing as a condition for coverage or pricing. However, the bill allows insurers to access existing health information, including genetic data already in medical records, provided they obtain prior written consent from the individual.

Additionally, the bill repeals subdivisions 4, 5, 6, and 7 of section 72A.139, which previously outlined specific requirements for life insurance companies regarding genetic testing, informed consent, notification of test results, and payment for tests. The new provisions will take effect on August 1, 2026, and will apply to policies offered, issued, or renewed after that date. This legislative change aims to enhance consumer protections and ensure that genetic information is not misused in the insurance industry.

Statutes affected:
Introduction: 72A.139