Maryland Senate Bill SB142

Maryland 2024 Regular Session

• Introduced: 1/10/24
• Refer: 1/10/24

Caption

Genetic Testing - Prohibitions on Disability, Life, and Long-Term Care Insurance (Genetic Testing Protection Act of 2024)

Impact

The implementation of SB142 would considerably alter the landscape of insurance law in Maryland and potentially influence similar legislative measures in other states. By preventing discrimination based on genetic information, this bill ensures that individuals are not penalized for their genetic predispositions, thereby promoting equitable access to insurance products. The bill may particularly affect individuals with familial histories of certain diseases, allowing them to apply for insurance without being unjustly stigmatized by their genetic backgrounds. As the law stands, applicants may face difficulties securing coverage if they have a history of genetic testing or conditions that could arise from their genetic profiles.

Summary

Senate Bill 142, also known as the Genetic Testing Protection Act of 2024, seeks to prohibit insurance carriers offering life insurance, long-term care insurance, and disability insurance from discriminating against applicants based on their genetic testing status. Specifically, the bill stipulates that insurers cannot deny or limit coverage based on whether an applicant has requested or undergone a genetic test or the results of any such tests. This legislation emerges in response to growing concerns about the misuse of genetic information in the insurance industry and aims to enhance consumer protections regarding privacy and fairness in coverage.

Contention

While proponents of SB142 argue that it is a necessary step toward protecting individual rights and promoting fairness in insurance practices, there are notable discussions regarding the implications for insurance pool risk and the potential increase in insurance premiums. Critics may argue that prohibiting the consideration of genetic information could lead to higher costs for all policyholders, as insurers may need to integrate broader risk factors into their pricing models. The debate surrounding this bill highlights the ongoing tension between personal privacy rights and the financial viability of insurance practices in the evolving landscape of genetic science.