Bill > SF3989

This bill prohibits long-term care, life, and disability insurers from using genetic information, which is information derived from a genetic test to determine the presence or risk of diseases or disorders, for certain purposes. Specifically, insurers are barred from denying, canceling, limiting, or adjusting premium rates for individuals or their families based solely on their genetic information, nor can they require or encourage individuals to undergo genetic testing 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 if they obtain separate written consent from the individual, and they are permitted to consider a medical diagnosis in a person's record, even if it was based on genetic test results. This legislation also repeals existing provisions related to genetic testing for life insurance, including requirements for informed consent, notification of results, and payment for tests, and 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/SF/3989/