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RI H7861
Bill
Status
2/27/2026
Primary Sponsor
Joshua Giraldo
Click for details
AI Summary
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Prohibits life, disability income protection, and long-term care insurers from canceling, limiting, or denying coverage or setting differential premium rates based on genetic information, absent a clinical diagnosis or disease manifestation
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Bars insurers from requiring, soliciting, or using genetic test results, or considering an individual's decisions about genetic testing for any insurance-related purpose
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Preserves insurers' ability to review medical records, ask about family health history, and consider clinically diagnosed conditions or manifested diseases when underwriting
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Extends federal protections under the Genetic Information Nondiscrimination Act of 2008 (which covers health insurance) to life, disability, and long-term care insurance products
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Takes effect immediately upon passage
Legislative Description
Prohibits the use of genetic information for purposes of determining eligibility, setting premium rates, or imposing preexisting condition exclusions for life insurance, disability insurance, or long-term care insurance.
Insurance
Last Action
Introduced, referred to House Corporations
2/27/2026