Bill > HF3701

This bill prohibits long-term care, life, and disability insurers from using genetic information, which is defined as information derived from a genetic test that determines the presence or absence of genes associated with diseases or disorders, to deny, cancel, limit, or set different premium rates for individuals or their families. It also prevents insurers from requiring individuals to undergo genetic testing, including complete genomic sequencing, as a condition for coverage, renewal, or pricing. However, insurers can still access and use existing genetic information already in an individual's medical record for underwriting purposes if they obtain separate written consent from the individual, and they are allowed to consider a medical diagnosis, even if it was based on genetic test results. This bill also repeals existing provisions related to genetic testing for life insurance, which previously required informed consent, notification of results, and insurer payment for the test, and it will take effect on August 1, 2026, applying to policies offered, issued, or renewed on or after that date.

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https://www.revisor.mn.gov/bills/94/2026/0/HF/3701/