Rhode Island H7861 prohibits insurers from using genetic information to determine eligibility, set rates, or impose exclusions for life, disability.

Rhode Island H7861 amends existing laws to prohibit insurers from using genetic information to determine eligibility, set premium rates, or impose preexisting condition exclusions for life insurance, disability insurance, and long-term care insurance. This prohibition applies unless there is a clinical diagnosis or manifestation of a disease. Insurers are still allowed to review medical records and ask about family health history. The act aims to reduce barriers to genetic testing by preventing insurers from using genetic information in these insurance decisions.

Rhode Island H7861 prohibits insurers from using genetic information to determine eligibility, set rates, or impose exclusions for life, disability.

Rhode Island H7861 amends existing laws to prohibit insurers from using genetic information to determine eligibility, set premium rates, or impose preexisting condition exclusions for life insurance, disability insurance, and long-term care insurance. This prohibition applies unless there is a clinical diagnosis or manifestation of a disease. Insurers are still allowed to review medical records and ask about family health history. The act aims to reduce barriers to genetic testing by preventing insurers from using genetic information in these insurance decisions.