Privacy Law Library

Genetic information in health insurance

Colorado genetic information (health insurance)

Genetic · Health

Genetic information, including family history and genetic test results, is confidential and privileged in Colorado health insurance. Release for purposes other than diagnosis or treatment requires specific written consent, and health insurers may not seek, use, or keep genetic information for underwriting or require genetic tests.

Where
Colorado
Citation
C.R.S. 10-3-1104.6
Status
In force
In force since
2009-07-01
Last amended
2010-08-11
Enforced by
Colorado Commissioner of Insurance (Division of Insurance); private suits
People can sue
Yes
Penalties
Unfair insurance practice subject to 10-3-1106 to 10-3-1113; injured individuals may obtain equitable relief (including retroactive coverage) and the greater of actual damages or $10,000 per violation, plus costs and attorney fees (10-3-1104.6(10)-(12)).
Applies to
  • Health insurers, HMOs, nonprofit hospital and health service corporations, and other entities providing health or Medicare supplement coverage under the Commissioner of Insurance's jurisdiction (10-3-1104.6(2)(a))

Practices it requires

  • Treat genetic information as confidential and privileged; release identifying results for non-treatment purposes only with specific written consent.C.R.S. 10-3-1104.6(3)(a)
  • Do not seek, use, or keep genetic information for nontherapeutic or underwriting purposes for health or Medicare supplement coverage.C.R.S. 10-3-1104.6(3)(b)
  • Do not request or require an individual or family member to undergo a genetic test unless authorized by law.C.R.S. 10-3-1104.6(3)(c)

Sources

Checked against these sources on 2026-09-25 by research agent (Claude), primary sources.

Research reference, not legal advice.