HB266 Summary

• Prohibits health benefit plans, life insurers, and long-term care insurers from denying coverage or establishing premium differentials based on genetic information absent a diagnosis of a genetic condition.

• Prohibits health benefit plans, life insurers, and long-term care insurers from requiring, soliciting, or using genetic information, genetic test results, or considering an individual's decisions regarding genetic testing for any insurance purpose.

• Amends Section 27-53-1 to define key terms including genetic characteristics, genetic information, genetic test, health benefit plan, life insurer, and long-term care insurer.

• Exempts accident-only policies, hospital or fixed indemnity policies, dental policies, and vision policies from these restrictions.

• Applies to policies entered into or renewed on or after January 1, 2021, with the act becoming effective on the first day of the third month following passage and approval by the Governor.