-
Notifications
You must be signed in to change notification settings - Fork 0
/
Copy pathprotective-features-insurance-old.html
357 lines (346 loc) · 24.8 KB
/
protective-features-insurance-old.html
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8">
<meta name="viewport" content="width=device-width, initial-scale=1.0">
<link href="https://cdnjs.cloudflare.com/ajax/libs/bootstrap/5.3.0/css/bootstrap.min.css" rel="stylesheet">
<link href="https://cdnjs.cloudflare.com/ajax/libs/font-awesome/6.4.0/css/all.min.css" rel="stylesheet">
<link href="https://fonts.googleapis.com/css2?family=Libre+Baskerville:wght@400;700&family=Source+Sans+Pro:wght@400;600&display=swap" rel="stylesheet">
<div id="titlebar">
<!--<a href="insurance.html"><span class="dynamictitle">US State Laws Regulating Genetic Discrimination in Insurance</span></a>-->
<h1>US State Laws Regulating Genetic Discrimination in Insurance</h1>
<p>State Comparisons of Protective Features</p>
</div>
<style>
body {
background-color: #f8f9fa;
font-family: "Forum", serif;
/* set top at the bottom of the titlebar */
padding-top: 50px;
}
h1 {
color: white;
font-family: "Libre Baskerville", serif;
font-weight: 700;
font-size: 2.5rem;
}
p {
color: white;
font-family: Source Sans Pro, sans-serif;
font-size: 1.2rem;
font-weight: 600;
text-align: center;
}
#titlebar {
text-align: center;
padding: 0px 20px;
position: fixed;
width: 100%;
top: 0;
left: 0;
z-index: 1000;
color: white;
background: #640A08;
}
/*
#intro-info{
padding-bottom:0px!important;
margin-bottom:0px;
}
.section {
cursor: pointer;
transition: all 0.3s ease;
}
.section:hover {
box-shadow: 0 0 15px rgba(0, 0, 0, 0.1);
}
.card-title {
margin-bottom: 0;
}
.card-body {
position: relative;
padding-bottom: 2.5rem;
}
.card-text {
overflow: hidden;
max-height: 0;
}
.section.expanded .card-text {
max-height: 1000px;
}
.expand-icon {
position: absolute;
bottom: 0.5rem;
left: 50%;
transform: translateX(-50%);
font-size: 1.5rem;
color: #6c757d;
transition: transform 0.3s ease;
}
.section.expanded .expand-icon {
transform: translateX(-50%) rotate(180deg);
}
#scattered-cards {
position: relative;
min-height: 100vh;
}
.scattered-card {
position: absolute;
width: 300px;
max-width: 90vw;
background-color: #fff;
box-shadow: 0 4px 8px rgba(0,0,0,0.1);
border-radius: 10px;
padding: 1rem;
transition: all 0.5s ease;
cursor: move;
}
.comparison-card {
background-color: #fff;
border-radius: 10px;
box-shadow: 0 4px 8px rgba(0,0,0,0.1);
padding: 1rem;
margin-bottom: 1rem;
}
.comparison-line {
height: 4px;
background: linear-gradient(to right, #007bff, #00ff00);
position: absolute;
top: 50%;
left: 0;
right: 0;
transform: translateY(-50%);
}
.state-name {
font-weight: bold;
color: #333;
margin-bottom: 0.5rem;
}
.policy-text {
font-size: 0.9rem;
color: #666;
}
#page-title-container{
width: 20%;
position: relative;
z-index: 10000;
top: 400px;
width: 300px;
text-align: center;
}
#page-title{
background-color: #007bff;
color: white;
font-size: 24px;
}
#titlebar {
text-align: center;
padding-top: 0px;
border-radius: 5px;
box-shadow: 0 2px 5px rgba(0, 0, 0, 0.1);
margin: 0;
padding: 10px;
padding-bottom: 13px;
color: black;
font-size: 24px;
}
.accordion-button:not(.collapsed) {
background-color: #f8f9fa;
color: #212529;
}
.comparison-card {
margin-bottom: 1rem;
}
.accordion-row{
width: 100%;
}
*/
</style>
</head>
<body>
<div id="static-comparison">
<div id="accordion-comparison" class="container mt-5">
<div class="accordion" id="stateAccordion">
<div class="accordion-item">
<h2 class="accordion-header" id="headingOne">
<button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#collapseOne" aria-expanded="false" aria-controls="collapseOne">
<b>Florida and Tennessee</b>
</button>
</h2>
<div id="collapseOne" class="accordion-collapse collapse show" aria-labelledby="headingOne" data-bs-parent="#stateAccordion">
<div class="accordion-body">
<table>
<tr>
<th style="border: none;">Florida</th>
<th style="border: none;">Tennessee</th>
</tr>
<tr>
<td style="border: 1px solid black;">In the absence of a diagnosis of a condition related to genetic information, health insurers, life insurers, and long-term care insurers authorized to transact insurance in this state may not cancel, limit, or deny coverage, or establish differentials in premium rates, based on such insurance.</td>
<td style="border: 1px solid black;">A life insurance provider shall not cancel insurance coverage for an individual or a family member of an individual based solely on the individual's or family member's genetic information.</td>
</tr>
<tr>
<td style="border: 1px solid black;">Health insurers, life insurers, and long-term care insurers may not require or solicit genetic information, use genetic test results, or consider a person's decisions or actions relating to genetic testing in any manner for any insurance purpose.</td>
<td style="border: 1px solid black;">A life insurance provider shall not request or require an individual to whom the insurer provides life insurance coverage, or an individual who applies for life insurance coverage, to take a genetic test as a precondition of insurability, and shall not require the complete genome sequencing of an individual's DNA.</td>
</tr>
<tr>
<td style="border: 1px solid black;">This section does not apply to the underwriting or issuance of an accident-only policy, hospital indemnity or fixed indemnity policy, dental policy, or vision policy or any other actions of an insurer directly related to an accident-only policy, hospital indemnity or fixed indemnity policy, dental policy, or vision policy.</td>
<td style="border: 1px solid black;">A life insurance provider shall not access sensitive medical information, including the genetic data of an individual, without first obtaining the individual's signed, written consent.</td>
</tr>
<tr>
<td style="border: 1px solid black;">Nothing in this section shall be construed as preventing a life insurer or long-term care insurer from accessing an individual's medical record as part of an application exam. Nothing in this section prohibits a life insurer or long-term care insurer from considering a medical diagnosis included in an individual's medical record, even if a diagnosis was made based on the results of a genetic test.</td>
<td style="border: 1px solid black;">This section does not prevent a life insurance provider from requesting or obtaining existing health information for underwriting, including genetic information contained within an individual's medical record.</td>
</tr>
</table>
<br>
<p>In 2020, <b>Florida</b> passed a law regulating genetic information in insurance. We can narrow in to focus on which types of insurer actions the law covers:</p>
<ol type="a">
<li>In the absence of a diagnosis of a condition related to genetic information, health insurers, life insurers, and long-term care insurers authorized to transact insurance in this state <mark>may not cancel, limit, or deny coverage, or establish differentials in premium rates,</mark> based on such information.</li>
<li>Health insurers, life insurers, and long-term care insurers may not require or solicit genetic information, use genetic test results, or consider a person's decisions or actions relating to genetic testing <mark>in any manner for any insurance purpose.</mark></li>
</ol>
<p>The first part of the new law focuses on decisions around insuring or renewing insurance policies (canceling, limiting, or denying coverage) and around how much an insurer can charge (differentials in premium rates). However, the second part of the new law is even broader, saying that the insurers cannot use genetic test results for “any insurance purpose.”</p>
<p>In 2023, the <b>Tennessee</b> legislature passed a bill that included this section:</p>
<ol type="a">
<li>A life insurance provider <mark>shall not cancel insurance coverage</mark> for an individual or a family member of an individual based solely on the individual's or family member's genetic information.</li>
<li>A life insurance provider shall not request or require an individual to whom the insurer provides life insurance coverage, or an individual who applies for life insurance coverage, to take a genetic test as a precondition of insurability, and shall not require the complete genome sequencing of an individual's DNA.</li>
<li>A life insurance provider shall not access sensitive medical information, including the genetic data of an individual, without first obtaining the individual's signed, written consent.</li>
<li>This section does not prevent a life insurance provider from requesting or obtaining existing health information for underwriting, including genetic information contained within an individual's medical record.</li>
</ol>
<p>When we look at what insurer actions are covered in this bill, we can see that it is much narrower. In Tennessee, the law only talks about canceling existing insurance coverage. It is likely that, in Tennessee, insurers could still use genetic information when considering an initial application or deciding what premiums to charge. The more insurer actions that are included in a statute, the more protective against genetic discrimination the law will be.</p>
<!--
<div class="row">
<p>In 2020, Florida passed a law regulating genetic information in insurance. Here is one section of the bill:
<ol type="a">
<li>(a) In the absence of a diagnosis of a condition related to genetic information, health insurers, life insurers, and long-term care insurers authorized to transact insurance in this state may not cancel, limit, or deny coverage, or establish differentials in premium rates, based on such insurance.</li>
<li>(b) Health insurers, life insurers, and long-term care insurers may not require or solicit genetic information, use genetic test results, or consider a person's decisions or actions relating to genetic testing in any manner for any insurance purpose.</li>
<li>(c) This section does not apply to the underwriting or issuance of an accident-only policy, hospital indemnity or fixed indemnity policy, dental policy, or vision policy or any other actions of an insurer directly related to an accident-only policy, hospital indemnity or fixed indemnity policy, dental policy, or vision policy.</li>
<li>(d) Nothing in this section shall be construed as preventing a life insurer or long-term care insurer from accessing an individual's medical record as part of an application exam. Nothing in this section prohibits a life insurer or long-term care insurer from considering a medical diagnosis included in an individual's medical record, even if a diagnosis was made based on the results of a genetic test.</li>
</ol>
We can narrow in to focus on which types of insurer actions the law covers.
<ol>
<li>(a) In the absence of a diagnosis of a condition related to genetic information, health insurers, life insurers, and long-term care insurers authorized to transact insurance in this state <mark>may not cancel, limit, or deny coverage, or establish differentials in premium rates,</mark> based on such information.</li>
<li>(b) Health insurers, life insurers, and long-term care insurers may not require or solicit genetic information, use genetic test results, or consider a person's decisions or actions relating to genetic testing <mark>in any manner for any insurance purpose.</mark></li>
</ol>
The first part of the new law focuses on decisions around insuring or renewing insurance policies (canceling, limiting, or denying coverage) and around how much an insurer can charge (differentials in premium rates). However, the second part of the new law is even broader saying that the insurers cannot use genetic test results for “any insurance purpose”.
Let’s see how this compares to another recently passed bill. In 2023, the Tennessee legislature passed a bill that included this section:
<ol type="a">
<li>(a) A life insurance provider shall not cancel insurance coverage for an individual or a family member of an individual based solely on the individual's or family member's genetic information.</li>
<li>(b) A life insurance provider shall not request or require an individual to whom the insurer provides life insurance coverage, or an individual who applies for life insurance coverage, to take a genetic test as a precondition of insurability, and shall not require the complete genome sequencing of an individual's DNA.</li>
<li>(c) A life insurance provider shall not access sensitive medical information, including the genetic data of an individual, without first obtaining the individual's signed, written consent.</li>
<li>(d) This section does not prevent a life insurance provider from requesting or obtaining existing health information for underwriting, including genetic information contained within an individual's medical record.</li>
</ol>
<p>When we look at what insurer actions are covered in this bill, we can see that it is much narrower.</p>
<p>(a) A life insurance provider shall not <mark>cancel insurance coverage</mark> for an individual or a family member of an individual based solely on the individual's or family member's genetic information.</p>
<p>In Tennessee, the law only talks about canceling existing insurance coverage. So, it is likely that in Tennessee, insurers could still use genetic information when considering an initial application or deciding what premiums to charge.</p>
<p>The more insurer actions that are included in a statute, the more protective against genetic discrimination the law will be.
</p>
</div>
-->
</div>
</div>
</div>
<div id="" class="accordion-item">
<h2 class="accordion-header" id="headingTwo">
<button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#collapseTwo" aria-expanded="false" aria-controls="collapseTwo">
<b>California and New York</b>
</button>
</h2>
<div id="collapseTwo" class="accordion-collapse collapse" aria-labelledby="headingTwo" data-bs-parent="#stateAccordion">
<div class="accordion-body">
<div class="row">
<div class="col-md-6">
<div class="comparison-card">
<div class="state-name">California</div>
<div class="policy-text">Cras ultricies velit sit amet interdum consequat. In sed metus placerat, rutrum nibh et, vestibulum nisi. Nunc cursus molestie magna, scelerisque cursus metus pulvinar nec.</div>
</div>
</div>
<div class="col-md-6">
<div class="comparison-card">
<div class="state-name">New York</div>
<div class="policy-text">Cras ultricies velit sit amet interdum consequat. In sed metus placerat, rutrum nibh et, vestibulum nisi. Nunc cursus molestie magna, scelerisque cursus metus pulvinar nec.Cras ultricies velit sit amet interdum consequat. In sed metus placerat, rutrum nibh et, vestibulum nisi. Nunc cursus molestie magna, scelerisque cursus metus pulvinar nec.</div>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="accordion-item">
<h2 class="accordion-header" id="headingThree">
<button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#collapseThree" aria-expanded="false" aria-controls="collapseThree">
<b>Texas and Massachusetts</b>
</button>
</h2>
<div id="collapseThree" class="accordion-collapse collapse" aria-labelledby="headingThree" data-bs-parent="#stateAccordion">
<div class="accordion-body">
<div class="row">
<div class="col-md-6">
<div class="comparison-card">
<div class="state-name">Texas</div>
<div class="policy-text">Cras ultricies velit sit amet interdum consequat. In sed metus placerat, rutrum nibh et, vestibulum nisi. Nunc cursus molestie magna, scelerisque cursus metus pulvinar nec.</div>
</div>
</div>
<div class="col-md-6">
<div class="comparison-card">
<div class="state-name">Massachusetts</div>
<div class="policy-text">Cras ultricies velit sit amet interdum consequat. In sed metus placerat, rutrum nibh et, vestibulum nisi. Nunc cursus molestie magna, scelerisque cursus metus pulvinar nec.</div>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="accordion-item">
<h2 class="accordion-header" id="headingFour">
<button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#collapseFour" aria-expanded="false" aria-controls="collapseFour">
<b>Michigan and Oregon</b>
</button>
</h2>
<div id="collapseFour" class="accordion-collapse collapse" aria-labelledby="headingFour" data-bs-parent="#stateAccordion">
<div class="accordion-body">
<div class="row">
<div class="col-md-6">
<div class="comparison-card">
<div class="state-name">Michigan</div>
<div class="policy-text">Cras ultricies velit sit amet interdum consequat. In sed metus placerat, rutrum nibh et, vestibulum nisi. Nunc cursus molestie magna, scelerisque cursus metus pulvinar nec.</div>
</div>
</div>
<div class="col-md-6">
<div class="comparison-card">
<div class="state-name">Oregon</div>
<div class="policy-text">Cras ultricies velit sit amet interdum consequat. In sed metus placerat, rutrum nibh et, vestibulum nisi. Nunc cursus molestie magna, scelerisque cursus metus pulvinar nec.</div>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="accordion-item">
<h2 class="accordion-header" id="headingFive">
<button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#collapseFive" aria-expanded="false" aria-controls="collapseFive">
<b>Washington and Colorado</b>
</button>
</h2>
<div id="collapseFive" class="accordion-collapse collapse" aria-labelledby="headingFive" data-bs-parent="#stateAccordion">
<div class="accordion-body">
<div class="row">
<div class="col-md-6">
<div class="comparison-card">
<div class="state-name">Washington</div>
<div class="policy-text">Cras ultricies velit sit amet interdum consequat. In sed metus placerat, rutrum nibh et, vestibulum nisi. Nunc cursus molestie magna, scelerisque cursus metus pulvinar nec.</div>
</div>
</div>
<div class="col-md-6">
<div class="comparison-card">
<div class="state-name">Colorado</div>
<div class="policy-text">Cras ultricies velit sit amet interdum consequat. In sed metus placerat, rutrum nibh et, vestibulum nisi. Nunc cursus molestie magna, scelerisque cursus metus pulvinar nec.</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<script src="https://cdn.jsdelivr.net/npm/[email protected]/dist/js/bootstrap.bundle.min.js"></script>
</body>
</html>