GDO  MAP - US States' Laws against GD

The color scale is indicative of the number of statutes for the prevention of genetic discrimination in insurance in a given U.S. State
no statute one statute more than one statute

Legend

Requires informed consent Requires informed consent

There are four primary categories of activities surrounding genetic information necessary for complete informed consent: collection, analysis, retention, and disclosure. The strongest statute would need to require authorization for all four categories.Requiring informed consent or authorization is a common approach used by states to regulate genetic information in the context of insurance. These laws, however, rarely address informed consent across all four categories of collection, analysis, retention, and disclosure.

Prohibits use of genetic information Prohibits use of genetic information

Regulations are designed to prevent certain entities from using genetic information in certain ways.

Allowed if actuarially justified Allowed if actuarially justified

Actuarial justification is the requirement that the information used to underwrite or set premiums is statistically related to the risk being underwritten. Thus, an actuarial justification law requires insurers to justify their bases for discriminating between risk groups.

Bars use of a specific trait Bars use of a specific trait

Banning particular types of genetic conditions from use in life insurance, and only one state bars particular types of genetic conditions from use in disability e.g. sickle cell trait.

Other Other

Some examples include: use of genetic information of relatives, requiring a test, using genetic information to "induce" insurance.

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When you refer, share or adapt this content, please cite using the following format:
This map is based on data from Anderson, J. O., Lewis, A. C., & Prince, A. E. (2021). "The problems with patchwork: state approaches to regulating insurer use of genetic information". DePaul J. Health Care L., 22, 1.

This work is licensed under a Creative Commons Attribution 4.0 International License.


Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.