FL H0855

Defines "genetic information" as data from genetic testing showing variations, mutations, or carrier status associated with disease risk, excluding routine physical exams and standard lab tests unless conducted specifically to obtain genetic information.

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

Prohibits insurers from requiring, soliciting, or using genetic information, test results, or decisions regarding genetic testing for any insurance purpose.

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

Becomes effective July 1, 2018, and applies to policies entered into or renewed on or after January 1, 2019.