Genetic Screening or Testing (health insurance)
IN Insurance Genetic Testing
Genetic · Health
Indiana bars health insurers and HMOs from requiring genetic tests, asking about genetic test results, or using those results to deny, cancel, limit, or price coverage. Favorable results that an applicant volunteers may be considered.
- Where
- Indiana
- Citation
- Ind. Code ch. 27-8-26 (IC 27-8-26-0.1 to 27-8-26-11)
- Status
- In force
- In force since
- 1998-01-01
- Enforced by
- Indiana Insurance Commissioner (IC 27-8-26-10)
- People can sue
- No
- Penalties
- A violation is an unfair and deceptive act or practice in the business of insurance under IC 27-4-1-4 (IC 27-8-26-11).
- Applies to
- Accident and sickness insurers, HMOs, and self-insured state or local government health plans issuing, delivering, or renewing coverage in Indiana (IC 27-8-26-1)
Practices it requires
- Do not require an applicant or family member to undergo genetic screening or testing, or use test information adversely.IC 27-8-26-5
- Do not ask for genetic test results, or ask questions designed to reveal them, in medical history questions.IC 27-8-26-6
- Do not cancel, refuse to issue or renew, limit benefits, or set premiums based on genetic test results.IC 27-8-26-7, 27-8-26-8
Other duties
- Insurers may consider genetic test results only if voluntarily submitted and favorable to the applicant.IC 27-8-26-9
Sources
Checked against these sources on 2026-09-25 by research agent (Claude), primary sources.
Unverified: The effective date reflects IC 27-8-26-0.1 (applies to policies issued or renewed after December 31, 1997); the P.L.150-1997 enrolled act was not opened.
Research reference, not legal advice.