Restrictions on Use of Genetic Information in Insurance
MT Genetic Insurance Law
Genetic · Health · Financial
Health insurers in Montana may not require genetic tests, underwrite or price coverage based on genetic traits or family genetic information, or seek genetic information for non-therapeutic purposes. Life, disability income and long-term care insurance are excluded.
- Where
- Montana
- Citation
- Mont. Code Ann. 33-18-901 to 33-18-904
- Status
- In force
- In force since
- 1999-10-01
- Enforced by
- Montana Commissioner of Securities and Insurance
- People can sue
- No
- Penalties
- Not stated in the part; general Insurance Code enforcement applies.
- Applies to
- Insurers, health service corporations, HMOs, fraternal benefit societies and other issuers of individual or group policies, excluding life, disability income and long-term care insurance (33-18-902 to 33-18-904)
Practices it requires
- Do not require an individual to obtain a genetic test, except for parentage, newborn screening, criminal matters or remains identification.Mont. Code Ann. 33-18-902(1)
- Do not refuse, cancel, non-renew, surcharge or limit coverage based on genetic traits, or underwrite based on required genetic testing or family genetic information.Mont. Code Ann. 33-18-903(1)-(2)
- Do not seek genetic information for purposes unrelated to the individual's current health or to non-identifiable research.Mont. Code Ann. 33-18-904(1)
Sources
Checked against these sources on 2026-09-25 by research agent (Claude), primary sources.
Unverified: Effective date inferred from history note (En. Ch. 334, L. 1999) and the default October 1 rule; enforcement provisions not located.
Research reference, not legal advice.