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Health Insurance Genetic Protection

Meaning

Health insurance genetic protection refers to the legal safeguards that prevent health insurance providers from using an individual’s genetic information to make coverage or premium decisions. This protection is a core provision of the Genetic Information Nondiscrimination Act (GINA), which explicitly prohibits group and individual health insurers from requesting genetic information, using it to determine eligibility or set premiums, or considering it a pre-existing condition. The law ensures that individuals can access genetic testing and personalized hormonal health assessments without fear of losing their health coverage or facing exorbitant costs.