State RegulationsOH specificDifficulty 2/5
An Ohio health insurer obtains a genetic test report and cancels an insured's sickness and accident policy, citing the higher risk the test suggests as its reason. Under Ohio law, this action is:
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
ORC 3901.491 and ORC 3901.501 prohibit any cancellation, refusal to issue, limiting of coverage, or premium-setting based on genetic test information in sickness and accident insurance. The statute targets the use of the information itself, so neither accuracy, policy age, nor notice can legitimize an action grounded in a genetic test result.
Why the other options are wrong
- A) The accuracy of the test result is irrelevant; the statute bans reliance on genetic test information altogether.
- C) No first-year or new-policy exception exists for using genetic test information.
- D) Written notice does not cure the violation; the prohibited element is the genetic basis of the decision, not the manner of communicating it.
Memory hook
Cancel on a gene test and Ohio cancels the cancels.