CA AB1798

Prohibits life and disability insurers from canceling, limiting, or denying coverage, or making adverse underwriting decisions based on genetic testing or genetic characteristics until January 1, 2036

Bars insurers from requiring, requesting, soliciting, or using genetic information or genetic test results for any insurance purpose, including asking applicants whether they have taken a genetic test

Requires insurance disclosure authorization forms to explicitly exempt genetic characteristics and genetic testing results from authorizations for medical records

Prohibits insurance institutions from seeking or using an individual's full genome or genetic information obtained from direct-to-consumer genetic testing companies for underwriting decisions or investigative reports

Establishes civil penalties of up to $1,000 plus court costs for negligent disclosure of genetic test results to third parties in a manner that identifies the tested individual