FL S0982

Prohibits insurers authorized to transact insurance in Florida from cancelling, limiting, denying coverage, or establishing premium rate differentials based on genetic information in the absence of a diagnosis of a related condition.

Prohibits insurers from requiring or soliciting genetic information, using genetic test results, or considering a person's decisions or actions relating to genetic testing for any insurance purpose.

Defines "genetic information" as information derived from genetic testing to determine the presence or absence of variations or mutations in an individual's genetic material that are scientifically or medically believed to cause disease or increase disease risk.

Applies these restrictions to life insurance policies, disability income policies, long-term care policies, accident-only policies, hospital indemnity or fixed indemnity policies, dental policies, and vision policies.

Takes effect July 1, 2013.