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MarylandHB 10072025 Regular SessionHouseWALLET

Disability and Life Insurance - Medical Information (Genetic Testing Protection Act)

Sponsored By: Melissa Wells (Democratic)

Signed by Governor

Insurance - Other than HealthPublic HealthBiometrics -see also- Artificial Intelli; Identif; FingerprtData -see also- Census; DemographicsDisabilitiesDiscriminationGeneticsHealth Insurance -see also- ACA; HMOs; MCOsInsurance AdministrationInsurance -see also- Health Ins; MAIF; Motor Vehicle InsLong-Term Care -see also- Continuing Care; Nursing HomesMedical Conditions -see also- AIDS; COVID-19; rabiesMedical Testing and DiagnosisPrices -see also- Consumer Price IndexPrivacyRecords -see also- Land Records; Vital RecordsStandards and Best Practices

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Genetic privacy protections for Maryland insurance buyers

Beginning October 1, 2025, these protections cover Maryland life and disability insurance, but not long-term care insurance. Insurers cannot base prices, coverage, renewals, or other terms on medical information, including genetic results, unrelated to insurance risk costs. They can show a cost link through sound insurance risk calculations or actual or reasonably expected experience. Insurers must get your signed, written consent before accessing sensitive medical information, including genetic data. They cannot require existing or new genetic testing or full genome sequencing for eligibility or coverage. They can still review application medical records and consider diagnoses, including those based on genetic tests. Insurers, applicants, and policyholders cannot waive or change these protections to avoid them. The Maryland Insurance Commissioner can issue enforcement orders for violations.

Sponsors & Cosponsors

Sponsor

  • Melissa Wells

    Democratic • House

Cosponsors

  • Tiffany T. Alston

    Democratic • House

  • Heather Bagnall

    Democratic • House

  • Harry Bhandari

    Democratic • House

  • Brian Chisholm

    Republican • House

  • Bonnie Cullison

    Democratic • House

  • Pam Lanman Guzzone

    Democratic • House

  • Terri L. Hill

    Democratic • House

  • Thomas S. Hutchinson

    Republican • House

  • Anne R. Kaiser

    Democratic • House

  • Kenneth Kerr

    Democratic • House

  • Nicholaus R. Kipke

    Republican • House

  • Lesley J. Lopez

    Democratic • House

  • Matthew Morgan

    Republican • House

  • Ashanti Martinez

    Democratic • House

  • Joseline A. Peña-Melnyk

    Democratic • House

  • Teresa E. Reilly

    Republican • House

  • Samuel I. Rosenberg

    Democratic • House

  • Kim Ross

    Democratic • House

  • Steve Johnson

    Democratic • House

  • Kathy Szeliga

    Republican • House

  • Deni Taveras

    Democratic • House

  • Jennifer White Holland

    Democratic • House

  • Jamila J. Woods

    Democratic • House

  • Teresa Woorman

    Democratic • House

Roll Call Votes

All Roll Calls

Yes: 227 • No: 2

Senate vote • 4/7/2025

Third Reading Passed

Yes: 47 • No: 0

Senate vote • 4/4/2025

Third Reading Passed

Yes: 43 • No: 0

House vote • 3/17/2025

Third Reading Passed

Yes: 137 • No: 2

Actions Timeline

  1. Approved by the Governor - Chapter 394

    5/6/2025

  2. Returned Passed

    4/7/2025House

  3. Third Reading Passed (47-0)

    4/7/2025Senate

  4. Senate Recede

    4/7/2025Senate

  5. House Requests Senate Recede

    4/7/2025Senate

  6. House Refuses Concur Senate Amendments

    4/7/2025Senate

  7. House Requests Senate Recede

    4/5/2025House

  8. House Refuses Concur Senate Amendments

    4/5/2025House

  9. Third Reading Passed (43-0)

    4/4/2025Senate

  10. Second Reading Passed with Amendments

    4/4/2025Senate

  11. Floor Amendment {543221/1 (Senator A. Washington) Adopted

    4/4/2025Senate

  12. Favorable Adopted

    4/4/2025Senate

  13. Favorable Report by Finance

    4/4/2025Senate

  14. Hearing 3/25 at 1:00 p.m.

    3/18/2025Senate

  15. Referred Finance

    3/17/2025Senate

  16. Third Reading Passed (137-2)

    3/17/2025House

  17. Second Reading Passed with Amendments

    3/15/2025House

  18. Favorable with Amendments {423527/1 Adopted

    3/15/2025House

  19. Favorable with Amendments Report by Health and Government Operations

    3/15/2025House

  20. Hearing 2/20 at 1:00 p.m.

    2/3/2025House

  21. First Reading Health and Government Operations

    1/31/2025House

Bill Text

  • Enacted

    5/6/2025

    PDF

  • Third Reading

    3/15/2025

    PDF

  • First Reading

    1/31/2025

    PDF

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