State RegulationsAZ specificDifficulty 2/5
A health insurer requires every applicant to take a genetic screening test as a condition of issuing coverage. Under the federal Genetic Information Nondiscrimination Act (GINA), this requirement is:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under GINA and its implementing regulations (45 CFR 148 and related provisions), a health insurer may not request, require, or use the results of genetic testing for underwriting purposes. Conditioning coverage on a genetic screening test directly violates the statute's request-and-requirement prohibition.
Why the other options are wrong
- A) Confidential storage does not authorize the test; the request or requirement itself is prohibited.
- B) Improved risk selection is exactly the use of genetic information GINA forbids in health coverage.
- C) GINA's protections reach both group and individual health coverage, not group plans alone.
Memory hook
Ask, require, or use a genetic test in health underwriting — GINA says no.