Disability and Life Insurance - Medical Information (Genetic Testing Protection Act)

SB 757, the Genetic Testing Protection Act, prohibits Maryland life, long-term care, and disability insurance companies from using genetic test results or an applicant's decision to undergo genetic testing to deny coverage, increase premiums, cancel policies, or change terms. It directly affects insurance carriers and policyholders seeking these insurance types by banning discrimination based on genetic information. The law allows insurers to review medical records and consider diagnoses (even if based on genetic tests) but forbids them from using genetic test results themselves to make coverage decisions. It also prevents insurers from requiring policyholders to avoid genetic testing to maintain coverage. The bill takes effect October 1, 2025.