MichiganBill would limit insurers' use of genetic information in life coverage
For covered universal life policies, insurers would face limits on genetic testing and information use, while still being able to use existing health information for underwriting.
What it does
Insurers could not cancel universal life coverage solely because of an insured person's or family member's genetic information.
Insurers could not ask or require people with universal life insurance, or applicants, to take genetic tests to get coverage or set its price.
Insurers would need signed written consent before handling sensitive medical information, including genetic data. They could still request, obtain, or use existing health information for underwriting.
Argument forPeople could keep coverage from being canceled solely because of genetic information, and insurers could not ask them to take genetic tests for coverage or pricing.
Argument againstInsurers could still use genetic information already in medical records for underwriting, which may affect how they assess applicants.
More detail
Insurers would be barred from canceling coverage solely because of a person's or family member's genetic information. This applies to universal life insurance policies and certificates. The rule would apply to policies and certificates delivered, issued for delivery, or renewed after December 31, 2027.
Insurers would be barred from requesting or requiring genetic testing as a condition of coverage or pricing. This applies to people with universal life coverage and people applying for that coverage. The rule would apply to policies and certificates delivered, issued for delivery, or renewed after December 31, 2027.
Insurers would need a person's signed written consent before accessing, using, keeping, or sharing sensitive medical information, including genetic data. This applies to insurers of universal life insurance policies and certificates. Insurers could still request, obtain, or use existing health information for underwriting, including genetic information in a person's medical record. The rule would apply to policies and certificates delivered, issued for delivery, or renewed after December 31, 2027.
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Where it stands
- Introduced
- Passed House
- Passed Senate
- To Governor
- Became Law
Looking ahead
No hearings or votes scheduled.
History
- 2026
- Sep 24bill electronically reproduced 09/23/2026Latest
- Sep 23referred to Committee on InsuranceMinor
- Sep 23read a first timeMinor
- Sep 23introduced by Representative Rep. Brenda CarterIntroduced
Healthcare