State RegulationsMI specificDifficulty 2/5
Michigan's prohibition on insurers' use of genetic test results appears within which body of Michigan insurance law?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
M.C.L. 500.3407b sits in Chapter 34 of the Michigan Insurance Code, the chapter governing disability insurance policies, which is where Michigan's accident and health policy requirements live. Placing the genetic test prohibition there means it operates directly on the underwriting of disability and health coverage in this state. The other chapters cited govern guaranty association protection, blanket group coverage, and producer licensing, none of which address genetic information.
Why the other options are wrong
- B) M.C.L. 500.7702 creates the Life and Health Insurance Guaranty Association and says nothing about genetic testing.
- C) M.C.L. 500.701 anchors blanket insurance for fluctuating groups, not genetic information rules.
- D) M.C.L. 500.1204 governs producer examination and licensing requirements, an unrelated subject.
Memory hook
The genetics rule lives in Chapter 34.