MN SF3989

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 condition of coverage, renewal, or pricing

Allows insurers to access genetic information already in medical records for underwriting purposes with separate written consent, but prohibits denying coverage if consent is not provided

Permits insurers to consider medical diagnoses in records even if those diagnoses were based on genetic test results

Effective August 1, 2026, for policies offered, issued, or renewed on or after that date; repeals existing provisions governing informed consent, notification, and payment requirements for genetic tests by life insurers