Regulations Related to Using Genetic Information
The Genetic Information Nondiscrimination Act (GINA) of 2008 prohibits health insurance companies from using genetic information to make coverage or rate decisions. However, GINA protections do not extend to life insurance, disability insurance or long-term care insurance. So there is no federal law that limits the use of genetic information by life insurance companies.
Legislation has been proposed in several states, but Florida is the only state that has enacted a genetic privacy law that prohibits life insurance companies from canceling, limiting or denying coverage and from setting different premium rates based on genetic information. In California, Gov. Gavin Newson vetoed a genetic privacy bill in September 2020.