Genetic testing for life and disability insurance.
Vote required
Majority
Fiscal committee
No
Appropriation
No
Current location
Passed
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Progress
Where this bill stands in the legislative process.
- Introduced
- Passed Assembly
- Passed Senate
- To Governor
- Became Law
Overview
This bill would repeal existing California law that allowed life and disability insurers to require genetic testing for insurability, with certain exceptions. Instead, it prohibits insurers from canceling, denying coverage, or making adverse underwriting decisions based on genetic tests unless specific criteria are met. The bill also restricts insurers from requesting, using, or considering genetic information for insurance purposes, imposing civil penalties for violations and aligning with broader privacy protections.
Key provisions
- Prohibits life and disability insurers from requiring, requesting, or soliciting genetic information for insurance purposes.
- Prevents insurers from using genetic test results to determine eligibility or insurability.
- Establishes civil penalties for using genetic information or characteristics inconsistently with the bill’s provisions.
- Requires insurers to exempt genetic characteristics and genetic testing records from authorization forms.
- Prohibits insurers from seeking or utilizing an individual’s full genome or genetic information from direct-to-consumer testing.
- Updates the Insurance Information and Privacy Protection Act to exclude genetic information from disclosures.
- Requires disclosure forms to exempt genetic characteristics from authorization requirements.
- Increases civil penalties for violations of genetic information regulations.
Who is affected
Bill text
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Sponsors
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3 on record
Primary sponsor
Cosponsors
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