HB2189 Summary

• Amends the Genetic Information Privacy Act to include direct-to-consumer commercial genetic testing in the definition of "genetic testing"

• Prohibits insurers from seeking or using genetic testing information for underwriting purposes in accident and health insurance policies, except when an individual voluntarily submits favorable test results

• Establishes that "underwriting purposes" includes eligibility determinations, premium calculations, pre-existing condition exclusions, and contract creation or renewal, but excludes medical appropriateness determinations

• Prohibits direct-to-consumer genetic testing companies from sharing genetic test information or personally identifiable information with health or life insurance companies without written consumer consent

• Exempts long-term care policies (excluding nursing home fixed indemnity plans) from genetic information restrictions for insurers