Stopping insurers from using your DNA against you

Prohibits the use of genetic information for purposes of determining eligibility, setting premium rates, or imposing preexisting condition exclusions for life insurance, disability insurance, or long-term care insurance.

Introduced· 2026-02-27

Who's it for

Who's it for: Everyday People

What it means for you

9/10Helps you

Good for everyday people ·

Draft summary, still being checked against the official bill text. Read the source to confirm.

This bill would make it illegal for life and disability insurers to use your DNA test results to deny you coverage or charge you more money.

Our take

What we think, in plain words.

Right now, federal law stops health insurers from using your genetic information against you. But life, disability, and long-term care insurers can still snoop on your DNA. If you take a genetic test to learn about your health, these companies could use those results to deny you a policy or jack up your rates. This bill would close that loophole in Rhode Island. It protects your privacy and ensures you are not punished for your genes.

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The facts

What the bill actually says, no spin.

Stops life insurers from using genetic information to deny you a policy.
Prevents disability and long-term care insurers from charging you higher rates based on your DNA.
Bans companies from using your genes to claim you have a preexisting condition.