103RD GENERAL ASSEMBLY
State of Illinois
2023 and 2024
HB4142

 

Introduced , by Rep. Nabeela Syed

 

SYNOPSIS AS INTRODUCED:
 
410 ILCS 513/20
215 ILCS 5/224.5 new

    Amends the Genetic Information Privacy Act. Provides that an insurer may not seek information derived from genetic testing for use in connection with a policy of life insurance. Provides that an insurer may consider the results of genetic testing in connection with a policy of life insurance if the individual voluntarily submits the results and the results are favorable to the individual. Amends the Illinois Insurance Code. Provides that an insurer must comply with the provisions of the Genetic Information Privacy Act in connection with the amendment, delivery, issuance, or renewal of a life insurance policy; claims for or denial of coverage under a life insurance policy; or the determination of premiums or rates under a life insurance policy.


LRB103 34088 RPS 63905 b

 

 

A BILL FOR

 

HB4142LRB103 34088 RPS 63905 b

1    AN ACT concerning regulation.
 
2    Be it enacted by the People of the State of Illinois,
3represented in the General Assembly:
 
4    Section 5. The Genetic Information Privacy Act is amended
5by changing Section 20 as follows:
 
6    (410 ILCS 513/20)
7    Sec. 20. Use of genetic testing information for insurance
8purposes.
9    (a) An insurer may not seek information derived from
10genetic testing for use in connection with a policy of
11accident and health insurance or life insurance. Except as
12provided in subsection (c), an insurer that receives
13information derived from genetic testing, regardless of the
14source of that information, may not use the information for a
15nontherapeutic purpose as it relates to a policy of accident
16and health insurance.
17    (b) An insurer shall not use or disclose protected health
18information that is genetic information for underwriting
19purposes. For purposes of this Section, "underwriting
20purposes" means, with respect to an insurer:
21        (1) rules for, or determination of, eligibility
22    (including enrollment and continued eligibility) for, or
23    determination of, benefits under the plan, coverage, or

 

 

HB4142- 2 -LRB103 34088 RPS 63905 b

1    policy (including changes in deductibles or other
2    cost-sharing mechanisms in return for activities such as
3    completing a health risk assessment or participating in a
4    wellness program);
5        (2) the computation of premium or contribution amounts
6    under the plan, coverage, or policy (including discounts,
7    rebates, payments in kind, or other premium differential
8    mechanisms in return for activities, such as completing a
9    health risk assessment or participating in a wellness
10    program);
11        (3) the application of any pre-existing condition
12    exclusion under the plan, coverage, or policy; and
13        (4) other activities related to the creation, renewal,
14    or replacement of a contract of health insurance or health
15    benefits.
16    "Underwriting purposes" does not include determinations of
17medical appropriateness where an individual seeks a benefit
18under the plan, coverage, or policy.
19    This subsection (b) does not apply to insurers that are
20issuing a long-term care policy, excluding a nursing home
21fixed indemnity plan.
22    (c) An insurer may consider the results of genetic testing
23in connection with a policy of life insurance or policy of
24accident and health insurance if the individual voluntarily
25submits the results and the results are favorable to the
26individual.

 

 

HB4142- 3 -LRB103 34088 RPS 63905 b

1    (d) An insurer that possesses information derived from
2genetic testing may not release the information to a third
3party, except as specified in this Act.
4    (e) A company providing direct-to-consumer commercial
5genetic testing is prohibited from sharing any genetic test
6information or other personally identifiable information about
7a consumer with any health or life insurance company without
8written consent from the consumer.
9(Source: P.A. 101-132, eff. 1-1-20.)
 
10    Section 10. The Illinois Insurance Code is amended by
11adding Section 224.5 as follows:
 
12    (215 ILCS 5/224.5 new)
13    Sec. 224.5. Use of information derived from genetic
14testing. After the effective date of this amendatory Act of
15the 103rd General Assembly, an insurer must comply with the
16provisions of the Genetic Information Privacy Act in
17connection with the amendment, delivery, issuance, or renewal
18of a life insurance policy; claims for or denial of coverage
19under a life insurance policy; or the determination of
20premiums or rates under a life insurance policy.