State RegulationsOH specificDifficulty 1/5
Under Ohio law, an insurer underwriting an individual sickness and accident policy may:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
ORC 3901.491 and ORC 3901.501 bar insurers from considering or inquiring into genetic screening and genetic test results when underwriting sickness and accident insurance, including public employee benefit plans. The ban covers the whole chain: no asking, no requiring, no using the information for issuance decisions, limitations, or premium-setting. Genetic information simply has no place in A&H underwriting in Ohio.
Why the other options are wrong
- A) Applicant consent does not unlock the ban; even with consent, the insurer may not consider or inquire into the results.
- B) Requiring genetic testing as a condition of coverage is expressly barred along with inquiring into existing results.
- D) Premium-setting based on genetic test information is prohibited just as issuance decisions are; no partial use is allowed.
Memory hook
Genes stay out of A&H underwriting: no asking, no using.