State RegulationsAZ specificDifficulty 1/5
The federal Genetic Information Nondiscrimination Act (GINA) prohibits health insurers from:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
GINA, implemented in the health-insurance context through 45 CFR 148 and related provisions, prohibits health insurers from using genetic information — including family medical history as genetic information — to determine eligibility, set premiums, or impose contribution rules. Genetic predisposition cannot price or block health coverage.
Why the other options are wrong
- A) Premium differences based on gender are not the subject matter of GINA, which targets genetic information.
- B) GINA restricts the use of genetic information; a family history request for general underwriting review is not the prohibited genetic-test scenario GINA targets in health coverage.
- D) Coverage denials for diagnosed illness are addressed by other ACA reforms, not by GINA's genetic-information rules.
Memory hook
GINA = genes cannot gate health coverage.