Genetic information in insurance (health insurance genetic nondiscrimination and the Genetic Testing Protection Act)

Health insurers may not use genetic tests or genetic information to deny, limit, or price coverage, may not require genetic tests to decide coverage, and may not release identifiable genetic information outside the plan and its providers without authorization. The 2025 Genetic Testing Protection Act adds that life and disability insurers may not access genetic data or other sensitive medical information without signed written consent or require genetic testing for eligibility.