Genetics-Based Discrimination Prohibited (health insurance, life insurance and annuities)

Bars insurers from discriminating in issuing, renewing, or pricing insurance based on genetic characteristics or genetic information. A 2024 law adds life insurance and annuity rules: no adverse decisions based solely on genetic test results outside the medical record, no requesting genetic tests, and no obtaining direct-to-consumer genetic testing data without written informed consent under 16 Del. C. § 1202.