MD SB757

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) when there is no actuarially sound relationship between the information and insurance risk

Requires insurance carriers to obtain signed, written consent before accessing sensitive medical information, including an individual's 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 applications and considering medical diagnoses even if based on genetic tests

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