Long-term care, life, and disability insurers usage of genetic information for certain purposes prohibition provision

This bill prohibits long-term care, life, and disability insurers in Minnesota from using genetic information to deny coverage, set premiums, or require genetic testing as a condition for coverage. It bans insurers from basing rate decisions or coverage terms on genetic test results and stops them from pressuring people to undergo genetic tests. Insurers may still use existing medical records (with separate written consent) for underwriting, but cannot refuse coverage if someone declines to share genetic information. The law takes effect August 1, 2026, for new or renewed policies.