MN HF3701

Prohibits long-term care, life, and disability insurers from denying, canceling, limiting coverage, or setting differential premium rates based on an individual's or family member's genetic information

Bars insurers from requiring, requesting, encouraging, or coercing individuals to undergo genetic testing (including complete genomic sequencing) as a precondition for coverage, renewal, or pricing

Allows insurers to access existing genetic information already in medical records for underwriting purposes with separate written consent, but insurers cannot deny coverage if consent is refused

Permits insurers to consider medical diagnoses in an individual's record even if the diagnosis resulted from genetic testing

Effective August 1, 2026 for policies offered, issued, or renewed on or after that date; repeals existing subdivisions 4-7 of section 72A.139 regarding genetic test procedures for life insurers