Certified in Healthcare Privacy Compliance (CHPC) Practice Exam

The correct answer is that GINA Title I prohibits the use of genetic information to deny insurance coverage. The Genetic Information Nondiscrimination Act (GINA), specifically Title I, was enacted to protect individuals from discrimination based on their genetic information in the context of health insurance. This law ensures that health insurers cannot use genetic predispositions or family medical history to refuse coverage, raise premiums, or impose exclusions based on genetic conditions that an individual may be at risk for developing.

This protection is crucial in encouraging individuals to undergo genetic testing or seek genetic counseling without fear of adverse consequences concerning their health insurance. By safeguarding against the misuse of genetic information, GINA aims to enhance privacy and prevent discrimination, allowing individuals to access necessary health care services and innovations in genetic research without concern over insurance implications.