MD HB1007

Prohibits life and disability insurance carriers from unfairly discriminating against individuals by conditioning rates, coverage, or renewal based on medical information, including genetic test results, where there is no actuarial relationship between the information and the insurance risk

Requires insurance carriers to obtain signed, written consent before accessing sensitive medical information, including genetic data

Bans insurers from mandating genetic testing or full genome sequencing as a prerequisite for life or disability insurance eligibility or coverage

Allows insurers to continue accessing medical records during the application process and to consider medical diagnoses in records, even if based on genetic tests

Authorizes the Insurance Commissioner to issue enforcement orders for violations; effective October 1, 2025