State RegulationsMI specificDifficulty 1/5
Under M.C.L. 500.3407b, what may Michigan accident and health insurers NOT do with genetic test results?
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
M.C.L. 500.3407b of the Michigan Insurance Code prohibits insurers from using genetic test results in underwriting decisions. An applicant therefore cannot be declined, rated up, or limited in coverage because of what a genetic test shows. The statute targets the use of the results in the underwriting decision itself, which is the point at which genetic information would otherwise translate into coverage discrimination.
Why the other options are wrong
- A) The statutory prohibition addresses underwriting use, not the administrative sharing of records with a reinsurer.
- B) Record retention after issuance is not the conduct the statute forbids; the ban is on using results in underwriting.
- D) Requests made through treating physicians are a records-gathering channel, not the underwriting use the statute prohibits.
Memory hook
Genetic test results never drive underwriting.