MA H5112

Prohibits insurers, agents, and brokers from discriminating against individuals based on genetic test results or genetic information when issuing disability, long-term care, or life insurance policies in Massachusetts

Defines "discrimination" as cancellation, refusal to issue or renew, charging increased rates, restricting coverage length, or any other discriminatory practice based on genetic information

Bars life insurance applications from asking whether an applicant has taken a genetic test; disability and long-term care applications may ask but applicants cannot be required to answer

Prohibits insurers from using genetic information to set policy terms, even if the applicant voluntarily submits it or it appears in medical records

Authorizes the Commissioner of Insurance to issue cease and desist orders and impose penalties under Chapter 176D against insurers found to be engaging in genetic discrimination