Bill > S06124

This bill, known as the Dennis Crawley genetic protection act of New York, prohibits life, accident, health, disability, long-term care, and medical indemnity insurers from discriminating against individuals based on genetic predisposition. Specifically, insurers cannot condition insurance rates, coverage, or benefits on an individual's agreement to undergo genetic testing, nor can they require, solicit, or use genetic information for insurance purposes. The bill prevents insurers from refusing to issue or renew policies, canceling policies, or altering coverage terms based on an individual's or their family member's genetic predisposition. While insurers are still allowed to access medical records as permitted by law and can consider medical diagnoses (even if those diagnoses originated from genetic testing), they cannot use genetic information as a basis for insurance decisions. The bill defines the terms "genetic testing" and "genetic predisposition" by referencing existing definitions in the civil rights law, and it takes effect immediately upon passage. This legislation aims to protect individuals from potential discrimination in insurance based on their genetic background or potential health risks.

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https://www.nysenate.gov/legislation/bills/2025/S6124