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Health Insurance Underwriting GINA

Meaning

Health Insurance Underwriting GINA refers to the specific legal prohibitions mandated by the Genetic Information Nondiscrimination Act (GINA) that prevent health insurers from using an individual’s genetic information in making underwriting decisions. This means an insurer cannot use genetic test results, family medical history, or information about a predisposition to a hormonal disorder to determine eligibility, set premium rates, or establish pre-existing conditions. This critical protection ensures that individuals are not penalized for seeking genetic insights into their health, particularly concerning inherited endocrine vulnerabilities. The law fosters patient confidence in pursuing advanced, personalized medical care without fear of losing coverage.