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Florida Expands Consumer Protections Against Genetic Testing

New law narrows life insurers’ consideration of genetic test results.
Florida Expands Consumer Protections Against Genetic Testing
July 8, 2020

Both Florida and federal law now prevent health insurers from demanding customers hand over the results of their DNA tests like 23andMe or AncestryDNA. The state has become the first to add those protections to life, disability, and long-term care insurance.

The new law narrows life insurers’ consideration of genetic test results to those that are in the medical record and are an actual diagnosis. Applicants cannot otherwise volunteer or provide genetic test results for consideration in underwriting unless they are in the medical record and are a diagnosis.

“As DNA testing becomes more popular, we must continue to protect Floridians and their private information,” said Florida Chief Financial Officer (CFO) Jimmy Patronis. “Your genetic code should only be shared with your explicit consent and it should not be used to determine the cost and kinds of insurance coverage available to you.”

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