In 2008, Congress passed the Genetic Information Nondiscrimination Act (GINA). This Act was designed to prohibit the improper use of genetic information in health insurance and employment. Since it was enacted, group health plans and health insurers are prohibited from denying coverage to a healthy individual or charging that person higher premiums based solely on a genetic predisposition to developing a disease in the future. The legislation also bars employers from using individuals’ genetic information when making hiring, firing, job placement, or promotion decisions.
GINA does not protect against life insurance or long term care insurance discrimination.