State RegulationsAZ specificDifficulty 3/5
Which statement best states the reach of the Genetic Information Nondiscrimination Act?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
GINA's insurance rules, carried in 45 CFR Parts 144, 146, and 148, prohibit health insurers and health plans from using genetic information, including family medical history, for underwriting or rating. The statute does not extend the same prohibition to life insurance, where genetic information remains outside GINA's insurance restrictions; its employment provisions appear separately at 29 CFR Part 2590. Exam questions hinge on this health-versus-life boundary.
Why the other options are wrong
- A) that overstates the Act; life insurers are not covered by GINA's insurance restrictions.
- C) GINA targets genetic information specifically, not all medical underwriting tools.
- D) GINA's insurance provisions directly regulate health insurers and health plans.
Memory hook
GINA guards health; life stands outside.