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Bill

Bill

S 6031

Relates to prohibiting insurance companies from requiring individuals to disclose if such individual has been diagnosed with an HIV infection prior to issuing life insurance

2025 Regular Session Introduced by Kevin Parker

Prohibits life insurers from demanding HIV-diagnosis disclosure during underwriting, boosting access to coverage for people with HIV and strengthening health-privacy protections.

REFERRED TO INSURANCE
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Bill Summary · S 6031

Summary of Bill S 6031

Overview

Bill S 6031 would prohibit life insurers from requiring an applicant to disclose whether the applicant has been diagnosed with an HIV infection before issuing life insurance. The measure is currently in the committee stage, having been introduced on March 4, 2025 and referred to the Insurance committee.

Purpose and Intent

  • To prevent insurance underwriting practices that mandate disclosure of HIV status as a condition for issuing life insurance.
  • Aims to reduce barriers to obtaining life insurance for individuals diagnosed with HIV and to protect privacy around health information related to HIV.

Key Provisions (as described)

  • Forbids life insurers from requiring HIV-diagnosis disclosure as part of the underwriting or policy-issuance process.
  • The full text would define applicable terms (e.g., HIV infection) and specify the scope (types of life insurance covered, underwriting steps, and any permissible information requests).
  • The bill would establish enforcement mechanisms and penalties, if included in the text, and outline the responsibilities of the state Insurance Department for oversight and compliance.
  • Any exemptions, carve-outs, or related regulatory requirements would be detailed in the bill’s full language.

Affected Parties and Impacts

  • Who would be affected:
    • Individuals applying for life insurance, especially those with an HIV diagnosis.
    • Life insurers, their underwriters, and producers/agents.
    • State Insurance Department, tasked with enforcement and oversight.
  • Potential impacts:
    • Improved access to life insurance for people living with HIV.
    • Increased emphasis on non-health-information-based underwriting criteria.
    • Possible changes in underwriting practices and data collection, with privacy protections emphasized.
    • Policy considerations around risk assessment, pricing, and compliance costs for insurers.

Procedural and Timeline Aspects

  • Status: Referred to the Insurance committee.
  • Introduced: March 4, 2025.
  • Related actions or votes are not provided in the available information; future steps would typically include committee hearings, potential amendments, and full chamber consideration.

Related Legislation

  • Related bills from prior sessions: S 7992, A 9552, S 5895, S 7951. These may be companion or thematically connected measures addressing HIV status and life insurance practices.

Additional Context and Next Steps

  • Readers should monitor the Insurance committee’s calendar for hearings and amendments.
  • If enacted, the bill would become part of the state’s regulatory framework governing life insurance underwriting and privacy protections.

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

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