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<!DOCTYPE html>
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<a href="insurance.html"><span class="dynamictitle">US State Laws Regulating Genetic Discrimination in Insurance</span></a>
<p>Protected Features and Comparisons</p>
</div>
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<b>Florida and Tennessee</b>
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<table>
<tr>
<th style="border: none;">Florida</th>
<th style="border: none;">Tennessee</th>
</tr>
<tr>
<td style="border: 1px solid black;">In the absence of a diagnosis of a condition related to genetic information, health insurers, life insurers, and long-term care insurers authorized to transact insurance in this state may not cancel, limit, or deny coverage, or establish differentials in premium rates, based on such insurance.</td>
<td style="border: 1px solid black;">A life insurance provider shall not cancel insurance coverage for an individual or a family member of an individual based solely on the individual's or family member's genetic information.</td>
</tr>
<tr>
<td style="border: 1px solid black;">Health insurers, life insurers, and long-term care insurers may not require or solicit genetic information, use genetic test results, or consider a person's decisions or actions relating to genetic testing in any manner for any insurance purpose.</td>
<td style="border: 1px solid black;">A life insurance provider shall not request or require an individual to whom the insurer provides life insurance coverage, or an individual who applies for life insurance coverage, to take a genetic test as a precondition of insurability, and shall not require the complete genome sequencing of an individual's DNA.</td>
</tr>
<tr>
<td style="border: 1px solid black;">This section does not apply to the underwriting or issuance of an accident-only policy, hospital indemnity or fixed indemnity policy, dental policy, or vision policy or any other actions of an insurer directly related to an accident-only policy, hospital indemnity or fixed indemnity policy, dental policy, or vision policy.</td>
<td style="border: 1px solid black;">A life insurance provider shall not access sensitive medical information, including the genetic data of an individual, without first obtaining the individual's signed, written consent.</td>
</tr>
<tr>
<td style="border: 1px solid black;">Nothing in this section shall be construed as preventing a life insurer or long-term care insurer from accessing an individual's medical record as part of an application exam. Nothing in this section prohibits a life insurer or long-term care insurer from considering a medical diagnosis included in an individual's medical record, even if a diagnosis was made based on the results of a genetic test.</td>
<td style="border: 1px solid black;">This section does not prevent a life insurance provider from requesting or obtaining existing health information for underwriting, including genetic information contained within an individual's medical record.</td>
</tr>
</table>
<br>
<p>In 2020, <b>Florida</b> passed a law regulating genetic information in insurance. We can narrow in to focus on which types of insurer actions the law covers:</p>
<ol type="a">
<li>In the absence of a diagnosis of a condition related to genetic information, health insurers, life insurers, and long-term care insurers authorized to transact insurance in this state <mark>may not cancel, limit, or deny coverage, or establish differentials in premium rates,</mark> based on such information.</li>
<li>Health insurers, life insurers, and long-term care insurers may not require or solicit genetic information, use genetic test results, or consider a person's decisions or actions relating to genetic testing <mark>in any manner for any insurance purpose.</mark></li>
</ol>
<p>The first part of the new law focuses on decisions around insuring or renewing insurance policies (canceling, limiting, or denying coverage) and around how much an insurer can charge (differentials in premium rates). However, the second part of the new law is even broader, saying that the insurers cannot use genetic test results for “any insurance purpose.”</p>
<p>In 2023, the <b>Tennessee</b> legislature passed a bill that included this section:</p>
<ol type="a">
<li>A life insurance provider <mark>shall not cancel insurance coverage</mark> for an individual or a family member of an individual based solely on the individual's or family member's genetic information.</li>
<li>A life insurance provider shall not request or require an individual to whom the insurer provides life insurance coverage, or an individual who applies for life insurance coverage, to take a genetic test as a precondition of insurability, and shall not require the complete genome sequencing of an individual's DNA.</li>
<li>A life insurance provider shall not access sensitive medical information, including the genetic data of an individual, without first obtaining the individual's signed, written consent.</li>
<li>This section does not prevent a life insurance provider from requesting or obtaining existing health information for underwriting, including genetic information contained within an individual's medical record.</li>
</ol>
<p>When we look at what insurer actions are covered in this bill, we can see that it is much narrower. In Tennessee, the law only talks about canceling existing insurance coverage. It is likely that, in Tennessee, insurers could still use genetic information when considering an initial application or deciding what premiums to charge. The more insurer actions that are included in a statute, the more protective against genetic discrimination the law will be.</p>
<!--
<div class="row">
<p>In 2020, Florida passed a law regulating genetic information in insurance. Here is one section of the bill:
<ol type="a">
<li>(a) In the absence of a diagnosis of a condition related to genetic information, health insurers, life insurers, and long-term care insurers authorized to transact insurance in this state may not cancel, limit, or deny coverage, or establish differentials in premium rates, based on such insurance.</li>
<li>(b) Health insurers, life insurers, and long-term care insurers may not require or solicit genetic information, use genetic test results, or consider a person's decisions or actions relating to genetic testing in any manner for any insurance purpose.</li>
<li>(c) This section does not apply to the underwriting or issuance of an accident-only policy, hospital indemnity or fixed indemnity policy, dental policy, or vision policy or any other actions of an insurer directly related to an accident-only policy, hospital indemnity or fixed indemnity policy, dental policy, or vision policy.</li>
<li>(d) Nothing in this section shall be construed as preventing a life insurer or long-term care insurer from accessing an individual's medical record as part of an application exam. Nothing in this section prohibits a life insurer or long-term care insurer from considering a medical diagnosis included in an individual's medical record, even if a diagnosis was made based on the results of a genetic test.</li>
</ol>
We can narrow in to focus on which types of insurer actions the law covers.
<ol>
<li>(a) In the absence of a diagnosis of a condition related to genetic information, health insurers, life insurers, and long-term care insurers authorized to transact insurance in this state <mark>may not cancel, limit, or deny coverage, or establish differentials in premium rates,</mark> based on such information.</li>
<li>(b) Health insurers, life insurers, and long-term care insurers may not require or solicit genetic information, use genetic test results, or consider a person's decisions or actions relating to genetic testing <mark>in any manner for any insurance purpose.</mark></li>
</ol>
The first part of the new law focuses on decisions around insuring or renewing insurance policies (canceling, limiting, or denying coverage) and around how much an insurer can charge (differentials in premium rates). However, the second part of the new law is even broader saying that the insurers cannot use genetic test results for “any insurance purpose”.
Let’s see how this compares to another recently passed bill. In 2023, the Tennessee legislature passed a bill that included this section:
<ol type="a">
<li>(a) A life insurance provider shall not cancel insurance coverage for an individual or a family member of an individual based solely on the individual's or family member's genetic information.</li>
<li>(b) A life insurance provider shall not request or require an individual to whom the insurer provides life insurance coverage, or an individual who applies for life insurance coverage, to take a genetic test as a precondition of insurability, and shall not require the complete genome sequencing of an individual's DNA.</li>
<li>(c) A life insurance provider shall not access sensitive medical information, including the genetic data of an individual, without first obtaining the individual's signed, written consent.</li>
<li>(d) This section does not prevent a life insurance provider from requesting or obtaining existing health information for underwriting, including genetic information contained within an individual's medical record.</li>
</ol>
<p>When we look at what insurer actions are covered in this bill, we can see that it is much narrower.</p>
<p>(a) A life insurance provider shall not <mark>cancel insurance coverage</mark> for an individual or a family member of an individual based solely on the individual's or family member's genetic information.</p>
<p>In Tennessee, the law only talks about canceling existing insurance coverage. So, it is likely that in Tennessee, insurers could still use genetic information when considering an initial application or deciding what premiums to charge.</p>
<p>The more insurer actions that are included in a statute, the more protective against genetic discrimination the law will be.
</p>
</div>
-->
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