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Bill

AB 1798

Genetic testing for life and disability insurance.

2025-2026 Regular Session Introduced by Rebecca Bauer-Kahan and 2 co-sponsors

AB 1798 restricts California insurers from requiring or using genetic test results in life and disability insurance underwriting decisions.

From committee: Do pass and re-refer to Com. on APPR. (Ayes 8. Noes 0.) (June 29). Re-referred to Com. on APPR.
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Bill Summary · AB 1798

Legislative bill overview

AB 1798 would regulate the use of genetic testing results in life and disability insurance underwriting in California. The bill appears to restrict insurers' ability to require or use genetic test results when determining eligibility, rates, or coverage terms for these insurance products.

Why is this important

Genetic information is highly sensitive and could enable discrimination based on predisposition to future health conditions rather than current health status. This bill addresses concerns that insurance companies might deny coverage or charge higher premiums to individuals with genetic markers for conditions they may never develop, potentially making insurance unaffordable for those with certain genetic profiles.

Potential points of contention

  • Insurer risk assessment vs. anti-discrimination: Insurance companies argue genetic information helps them accurately price risk; consumer advocates counter this enables discrimination against people for conditions they may never experience
  • Market access and affordability: Restrictions could prevent insurers from adjusting premiums based on genetic data, potentially increasing costs for standard-risk populations or reducing insurers' willingness to offer coverage
  • Scope ambiguity: The bill's current language doesn't specify whether it prohibits all genetic testing uses, only mandatory testing, or testing for specific conditions—creating uncertainty about enforcement

Compiled from official sources — confirm details with the bill’s official record.

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