State RegulationsMI specificDifficulty 2/5
Which underwriting practice remains permissible for a Michigan accident and health insurer notwithstanding the genetic information prohibition of M.C.L. 500.3407b?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
M.C.L. 500.3407b reaches genetic test results specifically; it does not bar Michigan accident and health insurers from underwriting on an applicant's present health status, diagnosed conditions, and medical history gathered through ordinary channels such as applications and attending physician statements. The statute carves genetic testing out of the underwriting toolbox while leaving conventional, currently-based risk assessment fully available.
Why the other options are wrong
- A) Using a family member's genetic test result is still reliance on genetic test information, which the prohibition is meant to keep out of underwriting.
- C) Making approval contingent on a genetic test would inject genetic results directly into the underwriting decision, contrary to the statute's purpose.
- D) Rating up because of a genetic marker is exactly the use of genetic information that M.C.L. 500.3407b forbids.
Memory hook
Genetics off-limits; today's health stays fair game.