Life, long-term care, and annuity genetic nondiscrimination
LA Life and LTC Genetic Nondiscrimination
Genetic
Stops life, long-term care, and annuity insurers from considering an applicant's or family member's participation in genetic or clinical research, or (since 2024) their genetic test results, for coverage or underwriting. Insurers may not cancel, refuse to renew, limit coverage, or raise premiums based on genetic testing or genetic services.
- Where
- Louisiana
- Citation
- La. R.S. 22:918 (Acts 2021, No. 242; Acts 2024, No. 224; Acts 2025, No. 244)
- Status
- In force
- In force since
- 2021-08-01
- Last amended
- 2025-08-01
- Enforced by
- Louisiana Commissioner of Insurance
- People can sue
- No
- Penalties
- Enforced under the Insurance Code; no separate penalty identified.
- Applies to
- Authorized insurers writing life insurance, long-term care insurance, or annuity contracts, including group plans, and their agents and third-party administrators
Practices it requires
- Do not consider an individual's or family member's genetic test, or participation in genetic or clinical research, for coverage or underwriting decisions.La. R.S. 22:918(B)(1)
- Do not cancel, refuse to renew, limit or deny coverage, or increase premiums because of genetic testing, genetic services, or genetic research participation by the individual or a family member.La. R.S. 22:918(C)
Sources
- Official text
- La. R.S. 22:918 (Louisiana Legislature)
- Résumé Digest, Act 224 (HB 521) 2024 RS (Louisiana Legislature)
Checked against these sources on 2026-09-25 by research agent (Claude), primary sources.
Unverified: Content of the 2025 amendment (Acts 2025, No. 244) and its effective date not reviewed; August 1, 2025 is assumed.
Research reference, not legal advice.