Genetic Information for Insurance Purposes
Florida Insurance Genetic Privacy Law
Genetic · Health
Florida extended its genetic nondiscrimination rule from health insurance to life and long-term care insurance in 2020. Covered insurers cannot use genetic test results, absent a diagnosis, to cancel, limit, or deny coverage or set rates, and cannot require or solicit genetic information for any insurance purpose.
- Where
- Florida
- Citation
- Fla. Stat. 627.4301
- Status
- In force
- Last amended
- 2020-07-01
- Enforced by
- Florida Office of Insurance Regulation
- People can sue
- No
- Penalties
- No specific penalty in the section; enforced through the Insurance Code.
- Applies to
- Health insurers (including self-insured plans, MEWAs, HMOs, and fraternal benefit societies), life insurers, and long-term care insurers authorized in Florida (627.4301(1)(b)-(d))
- Excludes accident-only, hospital or fixed indemnity, dental, and vision policies (627.4301(2)(c))
Practices it requires
- Without a related diagnosis, do not cancel, limit, or deny coverage, or set different premium rates, based on genetic information.Fla. Stat. 627.4301(2)(a)
- Do not require or solicit genetic information, use genetic test results, or consider a person's genetic-testing decisions for any insurance purpose.Fla. Stat. 627.4301(2)(b)
Other duties
- Life and long-term care insurers may still review medical records during application exams and consider diagnoses in them, even if a diagnosis rested on a genetic test.Fla. Stat. 627.4301(2)(d)
Sources
- Official text
- Fla. Stat. 627.4301 (2026 Florida Statutes, Online Sunshine)
- Laws of Florida ch. 2020-159 (HB 1189), effective July 1, 2020
Checked against these sources on 2026-09-25 by research agent (Claude), primary sources.
Unverified: Original enactment (ch. 97-182) not confirmed, so effective_date is null.
Research reference, not legal advice.