MS SB2344

Prohibits health, life, and disability income insurers from denying coverage, canceling policies, limiting benefits, or charging higher premiums based solely on an applicant's or insured's status as a victim of domestic abuse, stalking, sexual assault, or other abuse by family members, household members, intimate partners, or caretakers

Restricts disclosure of confidential abuse information (including abuse status, abuse-related medical conditions, and contact information) except to the subject of abuse, designated healthcare providers, courts, or parties with executed confidentiality agreements for legitimate business purposes

Requires insurers to provide written explanations when taking adverse actions based on abuse-related medical conditions, and demonstrate that such actions are based on sound actuarial principles rather than abuse status itself

Mandates that insurers develop written policies and procedures to protect the safety and privacy of abuse victims when processing applications, investigating claims, or taking other policy-related actions

Authorizes the Commissioner of Insurance to investigate complaints and enforce violations through license suspension/revocation, civil penalties, cease and desist orders, injunctive relief, or restitution, with an effective date of July 1, 2010