State RegulationsAZ specificDifficulty 1/5
The Genetic Information Nondiscrimination Act prohibits health insurers and health plans from:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
GINA, implemented in the health context through 45 CFR Parts 144, 146, and 148, with the employment side at 29 CFR Part 2590, bars health insurers from using genetic information, including the results of genetic tests or family medical history, in underwriting decisions or premium calculations. Genetic risk cannot be priced or used to deny health coverage, which is the Act's central promise to consumers.
Why the other options are wrong
- A) age rating is not what GINA addresses; its subject is genetic information.
- B) accidental-injury exclusions are not a GINA subject.
- C) GINA restricts the use of genetic information, not the use of physical exams.
Memory hook
Genes are not for pricing.