NebraskaBill would bar insurers from using genetic information without a diagnosis
The proposed Nebraska bill would bar life, disability, and long-term care insurers from using genetic information to make insurance decisions when a person has no clinical diagnosis.
What it does
When a person has no clinical diagnosis, insurers could not use genetic information or the person’s genetic testing decisions for insurance purposes. They could still review medical records, ask about family history, and consider a diagnosis.
Argument forPeople might be more willing to seek genetic testing if insurers could not use their test results or testing decisions when they have no diagnosis.
Argument againstInsurers might have less information to judge risk when applicants have no diagnosis, though they could still review medical records and ask about family history.
More detail
Life, disability, and long-term care insurers would be barred from using genetic information or genetic testing decisions for insurance purposes when a person has no clinical diagnosis. The rule would apply when a person has no clinical diagnosis of a condition. It covers life, disability, and long-term care insurance. Insurers could still review an applicant’s medical record, ask about family history, and consider a clinical diagnosis in that record.
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Where it stands
- Introduced
- Postponed indefinitely
Looking ahead
No hearings or votes scheduled.
History
- 2026
- Apr 17Indefinitely postponedPostponed indefinitely
- Feb 18Spivey name added
- Jan 7Title printed. Carryover bill
- 2025
- Feb 21Fredrickson name added
- Jan 27Notice of hearing for February 11, 2025
- Jan 21Referred to Banking, Commerce and Insurance CommitteeMinor
- Jan 16Date of introductionIntroduced
HealthcareConsumer Protection