►
Description
House Insurance Committee- March 15, 2022- House Hearing Room 1
A
A
A
A
A
A
B
C
Thank
you,
mr
chairman
representative
hodges,
and
I
have
a
guest
and
audience
today.
City
councilman,
stacy
streetman,
who
represents
ward
10
in
clarksville,
welcome.
B
B
E
Thank
you,
chairman
and
lady
hazelwood
has
has
had
some
challenges
getting
to
getting
to
committees
because
of
other
other
obligations.
The
last
couple
of
weeks.
This
is
the
the
annual
coverage
assessment
act
for
hospitals.
We've
worked
on
this
for
several
years.
E
It's
a
substantial
investment
that
hospitals
are
willing
to
make
and
draws
down
a
about
600
million
dollars
in
terms
of
state
revenue
in
order
to
draw
down
1.2
million
in
federal
revenue,
and
with
that
we
do
have
an
amendment
drafting
code,
zero,
one,
four,
four
one:
eight
that
will
help
us
make
the
bill
chairman
and
members.
B
Motion
and
second
on
the
amendment,
I
think
we
can
attach
the
amendment
and
that
you
have
already
explained
it
without
objection.
We
are
voting
on
attaching
amendment.
B
E
You
and
the
chair
lady
has
arrived
if,
if
we
do
need
her
to
to
work
on
the
legislation
any
further,
but
the
bill
is
is
really
as
we
rebuild
the
bill
is,
as
we
have
explained
it,
it
has
become
customary
and
it's
it's
certainly
something
that
substantially
adds
to
our
our
budget.
It
helps
us
care
for
citizens.
So,
in
a
nutshell,
that's
where
we're
our!
Mr
chairman
of
members,.
B
B
C
Thank
you,
mr
chairman
committee,
it's
great
to
be
here
this
morning.
What
this
legislation
does
it
raises
the
minimum
property
damage
limits
for
your
vehicle
from
15
000
to
25
000.
That
gets
us
to
where
the
surrounding
states
are.
Of
course,
that's
not
why
we
do
things
here,
because
other
people
do
it,
but
what
this
does
is
keeps
up.
The
inflation
keeps
up
with
the
the
price
of
parts
and
cars,
and
everything
just
went
up
dramatically
here
recently,
so
I
think.
B
B
G
As
you
know,
the
cost
of
labor
has
gone
up
in
almost
every
sector
of
the
economy,
but
it
has
hit
particularly
hard
in
the
medical
industry,
I'm
sorry
in
the
medical
industry
and
so
there's
oftentimes.
A
shortage
of
medical
professionals,
particularly
nurses,
and
the
the
cost
has
gone
up
drastically
when
using
medical
staffing
agencies,
and
so
they've
asked
that
a
study
be
done
to
this
and
alliance
chair.
This
is
being
burdened
by
tenncare
and,
ultimately
the
state
of
tennessee.
Mr
chairman,
I
will
take
any
questions.
B
G
You,
mr
chairman,
it's
you
know.
I
think
that
tenncare,
all
these
different
state
agencies
and
the
the
long-term
care
facilities
would
would
just
like
to
to
get
an
idea
of
what
what
does
it
actually
cost
now
and,
and
you
know,
to
to
have
a
temporary
nurse
work
and
and
just
on
on
average.
G
What
is
that
cost
and
how
much
of
that
is,
is
being
driven
up
by
the
by
these
staffing
agencies
versus
what
it
would
cost
organically
if
they,
if
they
just
worked
in
the
in
the
nursing
home.
E
Thank
you,
mr
chairman
yeah,
I'm.
I
appreciate
you
bringing
this
because
it's
I'm
quite
familiar
with.
I
have
friends
who
work
in
nursing
homes
and
assisted
living,
and
I've
heard
about
some
of
the
problems.
Will
we
be
able
to?
How
will
the
results
of
this
study
be
conveyed
to
us?
E
I
mean:
will
we
all
get
a
copy
of
this?
Where
will
it.
G
You,
mr
chairman,
so
yeah
the
comptroller
will
deliver
the
report
to
the
speaker,
the
senate,
the
speaker
of
the
house
of
representatives
and
the
legislative
library
no
later
than
january,
the
first
of
next
year.
Okay,
thank.
E
B
B
F
Thank
you,
mr
chairman
of
committee
members
house,
bill
2051
seeks
to
increase
the
amount
of
time
that
women
are
given
postpartum
coverage
from
60
to
60
days
to
12
months.
B
E
You,
mr
chairman,
and
leader,
love.
Thank
you
very
much.
This
is
such
a
great
idea
that
it's
already
in
the
governor's
budget
and
we
funded
it
last
year
on
a
pilot
program
funding
it
this
year
on
a
pilot
program
in
the
and
the
next
year
as
well.
I'm
optimistic
so
essentially
what
we're
doing
we're
looking
at
taking
what
we've
got
now
as
a
non-recurring
program
in
terms
of
dollars
and
would
be
looking
at
making
it
recurring.
E
So
this
is
certainly
a
policy
issue
that
that
the
legislature
has
supported
it'll
just
be
a
decision
as
to
whether
we
can
recognize
it
in
the
budget
document
in
the
next
committee,
where
you'll
go
in
terms
of
being
recurring
or
non-recurring.
But
I
think
this
is
something
that
that
the
legislature
is
a
family
as
a
whole.
We
certainly
support
and
have
really
put
our
money
where
our
mouths
are
in
terms
of
funding
it
already
in
this
year's
budget.
Thank.
B
B
C
Thank
you,
mr
chairman.
This
is
one
of
those
bills
that
you
know
everybody
likes
to
do
what
they
can
for
moms
postpartum
pregnant
wherever
they
can.
I've
got
a
mom
I'd
do
anything
I
could
for
her.
I
am
curious.
How
does
this
affect
if
I've
got
a
small
business
with
a
small
insurance
policy?
How?
How
does
that
affect
me?
This
bill.
F
C
F
B
Well,
I
think
we're
curious
it'll
be
interesting
to
know
that's,
okay,
we'll
go
out
of
the
session.
Let
legally
answered
it.
If
you
don't
mind,
we
are
out
of
session.
G
Zach
brown
officer
legal
services,
chairman
love,
you're
correct:
this
does
only
apply
to
tenncare.
F
F
I'm
sorry
I'm
sorry
so
in
that
it
would
not
affect
you
if
you
had
employees
with
private
insurance,
because
it
would
not
drive
up
your
insurance
costs.
This
just
covers
10
care
enrollees,
and
so,
if
you
have
a
employees
on
tenncare,
they
will
get
that
extra
coverage
and
it
still
would
not
drive
up
your
own
insurance
costs
of
your
your
business
with
private
insurance
coverage.
B
F
Yes,
sir,
thank
you,
mr
chairman
of
committee
members.
I
also
want
to
thank
now
senator
lamar.
This
was
her
legislation
and
she
asked
me
to
carry
it,
so
I
want
to
thank
her
for
her
leadership
on
this.
Thank
you.
B
C
B
D
Thank
you,
mr
chairman.
You
recognize
there
is
an
amendment
following
the
bill:
zero
one,
four,
eight,
four
five!
Do
it.
B
D
Thank
you,
mr
chairman.
This
bill
is
amended
to
clarify
the
licensing
requirements
for
individual
marketing
medicare
products
such
as
medicare
advantage
or
medicare
part
d.
It
makes
no
change
to
the
current
law
and
simply
codifies
the
current
practice.
It
clarifies
that
licensing
of
medicare
marketing
representatives
is
governed
by
fair
federal
regulation.
Without
additional
state
regulation,
marketing
in
our
industry
is
defined
as
educational
and
informational,
so
it
makes
no
changes
to
the
current
law
by
the
federal
regulation,
and
with
that
I
renew
my
motion.
B
D
B
D
Thank
you,
mr
chairman
house,
bill
2225
changes
the
current
law
so
that
the
commissioner
shall
not
consider
a
prior
misdemeanor
or
a
classy
felony
only
if
the
individual
was
charged
but
not
convicted
if
either
offense
occurred
more
than
10
years
before
the
date
upon
which
an
individual
submitted
an
application
for
a
license
as
an
insurance
agency
owner.
I
understand
how
difficult
it
is
to
find
qualified
candidates
today.
D
B
Heard
the
explanation
members
do
we
have
any
questions
seeing
none.
We
are
voting
on
house
bill
2225,
all
those
in
favor
pcr
opposed
the
bill.
Moves
on
to
calendar
and
rules.
Thank.
H
Next
week,
number
10
on
our
list
today
is
house
bill
2851
by
chairman
kumar.
B
B
B
In
anticipation
of
this,
the
state
of
tennessee
does
have
existing
statute
that
prohibits
such
discrimination
in
writing
and
rates
for
health
insurance
house
bill
2851
adds
life
insurance
and
long-term
care
insurance
to
the
steam
statute.
I
realized
that
at
this
time
there
are
conflicting
forces
and
how
the
commerce
and
industry
want
to
work.
This
problem
out
and
legislative
fix
fixes
are
rather
early
in
the
game,
but
it
is
a
matter
that
is
coming
with
the
great
developments
in
genetics
and
science
that
we
should
definitely
have
our
own
mind.
B
With
that
in
mind,
I
bring
this
bill
basically
for
discussion.
I
don't
think
we
are
ready
to
vote
on
it.
So
members
you
can
relax
and
just
enjoy
the
discussion
with
that.
Well,
I'm
sure
if
it
is
suitable
to
you,
we
do
have
testimony
from
the
industry
about
where
they're
thinking
on
this
matter.
H
J
Morning,
I'm
mandy
young
here
on
behalf
of
the
american
council
of
life,
insurers.
J
We
thought
we'd,
give
you
a
little
education
on
genetic
testing
and
how
life
insurance
works
and
tennessee
farmers
being
one
of
the
largest
writers
here
is
going
to
speak
more
specifically
to
the
rating
of
an
individual,
but
life
insurance
is
different
than
health
insurance.
In
that
you
will
complete
an
application
at
the
time
of
buying
health
insurance,
and
you
will
sign
a
consent
form.
J
Excuse
me
at
the
time
of
life
insurance
and
you
will
sign
a
consent
form
for
that
application
so
that
the
life
insurance
company
can
get
your
medical
records,
so
it
is
with
full
consent
that
the
individual
signs
that
form.
So
let
me
step
back
for
a
second
and
explain
that
life
insurance
is
about
your
health
at
the
time
that
you
apply
and
after
that
you
will
not
be
re-rated,
except
for
a
cost
of
living
increase.
That
applies
to
all
of
those
in
your
insurance
pool.
J
J
So
american
council
of
life
insurers
wants
to
work
with
chairman
kumar
and
we
most
appreciate
his
asking
us
to
speak
today
so
that
we
can
continue
to
educate
you
about
genetic
testing
and
the
many
of
the
states
that
have
looked
at
this
issue
have
been
more
focused
on
the
23andme
type
of
genetic
test
and
at
this
time
the
life
insurance
industry
does
not
use
that
kind
of
genetic
testing.
J
We
will
only
ever
use
a
genetic
test
that
is
in
your
medical
records,
as
ordered
by
someone
like
a
dr
kumar,
because-
and
we
have
that
with
your
consent.
So
I'm
happy
to
answer
questions
but
ben's,
going
to
talk
a
little
bit
more
specifically
about
farm
bureau,
life
insurance.
I
Thank
you,
mandy
and
thank
you,
chairman
kumar,
for
the
opportunity
to
discuss
this
life.
Insurance
is
a
bit
different
than
other
kinds
of
insurance
with
auto
home
health
insurance.
Most
people
agree
they
need
it
and
then
they
decide
if
they
can
afford
it
life
insurance.
Certainly
there
are
some
that
are
going
to
buy
it,
no
matter
what,
but
it's
extremely
price
sensitive,
because
there's
not
the
urgent
need
for
it,
like
the
other
kinds
of
insurance.
I
Because
of
that,
as
mandy
alluded
to
getting,
the
price
right
is
critically
important,
both
for
the
company
for
the
long-term
sustainability
of
that
pool
of
business,
but
to
also
make
sure
that
that
premium
is
at
a
point
that
is
affordable
to
the
people
that
need
it.
Our
average
I
hate
to
correct
mandy
we're
not
one
of
we
are
the
largest
writer.
B
I
Insurance
in
tennessee
and
the
reason
I
say
that
is
because
the
reason
I
say
that
is
because
the
vast
majority
of
our
members
are
in
rural
areas,
they're
very
middle
class,
many
of
them
farmers
or
work
in
the
agriculture
industry
they're,
not
looking
at
life
insurance
as
a
way
to
transfer
wealth,
they're
looking
at
life
insurance
as
a
way.
If
something
happens
to
me,
how
does
my
family
pay
for
college
for
the
kids?
Now?
How
does
my
spouse
take
care
of
themselves?
I
How
do
we
pay
off
the
house,
those
kind
of
things,
and
so
because
of
that,
we
have
to
make
sure
that
there
that
the
price
is
something
that
is
attractive
to
individuals,
our
average
life
insurance
policy
is
a
hundred
and
ten
thousand
dollars,
which
I
think
underlies
the
statement.
I
just
made
about
the
reason
that
most
of
our
members
buy
life
insurance
when
we
look
at
different
rating
factors
and
I'll
compare
to
insurance
scoring
for
auto
and
property,
which
is
similar
to
credit
scoring.
I
Sometimes
we,
as
the
industry,
get
pushback
on
that
they
say
people
shouldn't
be
penalized
for
having
bad
credit
or
a
bad
insurance
score,
but
we
look
at
it
the
other
way.
We
don't
look
at
those
rating
factors
as
a
way
to
increase
premiums.
We
look
at
them
as
a
way
to
decrease
the
premiums
and
genetic
testing
or
genomics
testing
either
way
is
an
excellent
example
of
that.
I
This
is
a
also
a
very
good
example-
and
I
believe
dr
kumar
alluded
to
this-
we're
at
the
front
end
of
this
curve
of
genetics
testing
most
life
insurance
companies
do
not
use
this
yet,
but
we
certainly
see
the
validity
of
it
as
time
goes
forward.
I
think
it's
a
very
good
opportunity
for
the
industry
and
for
policy
makers
to
work
together
to
look
at
policies
that
both
protect
the
underwriting
flexibility
for
for
companies,
as
well
as
protect
the
the
privacy
of
individuals
as
they
engage
in
these
type
of
tests.
J
It
didn't
want
a
health
insurer
to
decide
that
mark
white
has
a
disease
and
we're
not
going
to
insure
you
in
our
group
at
all.
So
it's
a
ban
to
use
that
to
ban
you
to
to
refuse
to
insure
you
and
that's
a
big
difference,
because
it's
a
health
insurance
policy
and
it
it's
rated
to
cover
your
health
conditions.
So
that's
why
it
was
banned
and
we,
the
health
insurance
industry,
helped
write
it
in
the
90s
to
to
clarify
it.
J
K
K
So
right
now
would
it
have
any
effect
on
the
premiums
for
term.
Do
you
think.
I
K
Okay,
well,
so
I
guess,
if
you
buy
a
term
insurance
for
x
amount
of
money,
and
you
get
to
that
point
and
break
you
brought
it
for
10
years
or
whatever,
then
you
know
in
term
you're
paying
x
amount
of
dollars,
but
then
that
next
tournament
goes
straight
up
the.
Would
this
help
in
any.
K
Yes,
sir,
because
I
see
a
lot
of
people
that
they
they
they
and,
of
course
they
buy
what
they
want
to,
but
they
buy
the
term
thinking
well,
I'll
I'll,
buy
20
years
a
term
and
I'm
still
living
and
the
next
thing
you
know
I'm
going
to
continue
my
insurance,
but
then
they
cannot
afford
it
because
of
term
insurance
is
pretty
pretty
expensive
anyway.
I
just
wanted
to
bring
that
out
to
see
if
that
might
help
us
get
to
okay.
Mandy
go
ahead.
J
I
was
just
gonna
comment,
representative
carr,
that
part
of
the
reason
it
might
be
more
expensive,
20
years
from
now,
wouldn't
be
based
on
a
genetic
test.
It's
based
on
our
age,
yeah.
20
years
later
we
we're
closer
to
morbidity
or
some
other
major
health
condition.
I
don't
want
to
comment
on
your
age
or
my
age,
so
we
won't.
K
I'm
older
than
you,
I
know
it
is
yeah
okay.
Well,
I
was
just
hoping,
maybe
that
if
we
did
use
this,
even
though
I've
crossed
a
threshold
of
35,
you
know
that
you
could
look
at
that
genetics
and
say:
oh
well,
his
genetics
and
his
family.
You
know
I'm
going
to
live
to
be
you
know
a
long
time
and
maybe
help
that
premium
a
little
bit,
especially
on
term.
I
If
I
can
delve
into
another
hypothetical
sure,
if
there
was
a
genetic
test
and
purely
hypothetical,
that
could
say
with
certainty
that
you
won't
die
from
a
natural
cause
in
20
years,
and
so
what
then
you
would
be
insuring
is
an
accidental
death.
Then
your
premiums
to
your
point
would
be
significantly
lower
because
your
risk
would
be
significantly
lower.
I
don't
think
we'll
ever
get
to
that
level
of
genetics
testing,
but
that's
the
principle
I
think
you're
suggesting,
and
it
could
certainly
help
with
that.
A
So
I
guess
what
what
we're
really
saying
here,
if
you
can
use
genetic
testing
on
life
insurance,
unlike
health
insurance,
which
is
whatever
your
current
condition?
Is
it's
really
like
a
psychic
you're
predicting
the
future?
It's
psychic
health
line.
It
would
be
psychic
health,
helpline
insurance
because
you're
just
because
someone's
genetically
inclined
to
have
a
certain
condition
or
lifestyle.
It
still
isn't
dictated
by
that
your
lifestyle
choices
is
what
determines
your
life,
how
long
you're
going
to
live?
A
J
Representative
rudd,
I
I
hear
what
you're
saying
and
understand
that
completely
I
think
part
of
it
is
is
that
life
insurance
is
different
than
health
insurance
in
that
in
life
insurance.
We
are
obtaining
your
medical
records
because
we're
trying
to
judge
your
condition
as
compared
to
representative
sapicki
who's
in
the
same
pool
so
that
we
we
get
the
rate
right
at
the
first
time,
because
every
year,
your
rate's
not
going
to
change
your
health
insurance
rate
or
your
car
insurance
rate
or
your
homeowners
will
go
up
or
down
every
year.
J
I
Mad
something
representative,
rudd
also
rating
factors
for
any
kind
of
insurance
are
one
of
many
factors.
So
if
the
life
insurance
industry
started
to
engage
in
using
this,
it
would
only
be
one
of
a
number
of
factors
in
determining
that
rate.
Insurance
uses
the
law
of
average
and,
of
course,
we
try
to
hone
down
the
risk
for
every
individual
as
tight
as
we
can.
But
it's
still
the
pool
that
you're
in
and
the
the
law
of
averages
dictates
that.
I
J
Some
are
using
genetic
testing,
but
if
they
are
it's
only
when
it's
obtained
in
your
medical
records,
so
if
tim
rudd
has
never
had
a
genetic
test
except
a
23andme
and
you
applied
for
life
insurance,
we
wouldn't
know
about
your
genetic
testing
because
it
was
with
23
and
me,
which
is
a
direct
to
consumer
genetic
testing,
and
it
wasn't
part
of
your
medical
record.
We
only
use
as
one
of
the
factors
your
medical
records,
your
age,
your,
whether
you're
a
smoker.
J
A
J
I
In
the
states
where
we've
seen
similar
legislation
moving,
the
goal
is
to
protect
consumers
from
a
dna
test,
a
an
ancestry
type
test
from
being
used
to
rate
your
insurance,
the
perspective
of
the
insurance
industry
and,
as
mandy
said,
a
few
companies
might
be
using
this.
I
don't
know
of
any
in
tennessee
that
use
genetic
or
genomic
testing.
I
What
they
are
more
looking
at
are
the
scientific
tests
like
the
genomic
test,
which
is
different
than
a
genetic
test
like
an
ancestry.com,
the
genomic
cancer
testing,
which
is
a
fascinating
science
by
the
way
that
could
be
in
your
medical
records
and
a
lot
of
people
or
their
providers
will
pursue
those
kind
of
tests
to
determine
their
own
risk
for
cancer,
so
they
can
study
their
own
lifestyle.
You
referred
to
that
recently.
I
A
I
don't
know,
but
it's
like
it's
like
meat
eaters,
usually
in
studies,
live
longer
than
vegetarians,
but
it
all
it
all
is
about
your
lifestyle
choices
and
your
genetics.
I
think
so
it's
I
would
again.
I
would
hate
for
any
of
genetic
or
dna
information
to
to
be
used
for
for
life
insurance,
because
it's
it
would
be
like.
I
said
it
would
be
like
issuing
insurance
based
on
psychic
abilities
to
predict.
What's
going
to
happen
in
your
future,
and
I
don't
think
you
can
do
that,
but
thank
you.
H
D
Thank
you,
madam
chair,
and
thank
you
all
for
coming
out
today,
one
thing
and
go
back
what
representative
rudd
said
a
lot
of
the
things
that
we're
doing
in
the
insurance
industry
we
are
actually
predicting.
I
mean
that's
part
of
that
life
insurance
thing
we're
actually
taking
a
statistical
information
and
predicting
how
long
you're
going
to
live,
and
these
actuaries
are
setting
up
in
in
some
office
somewhere
and
they're.
Saying
based
on
your.
D
The
best
calculations
that
we
can
put
together,
they
are
kind
of
predicting
how
long
you're
going
to
live,
and
I
don't
want
to
know
what
their
prediction
is
for
me,
but
we
do
have
to
predict
it
when
we
sell
life
insurance,
so
it
kind
of
it
does
kind
of
go
back
to
that.
One
thing
I
want
you
all
to
do
and
you
kind
of
touch
on
to
me
to
go
and
and
just
explain
the
difference
between
genetic
and
genomic
testing.
Please
either
one
of
you.
I.
B
Thank
you,
I
think,
with
the
gene
mapping
performed
with
with
the
human
genome
project,
it
is
possible
for
us
to
exactly
outline
which
genes
play
what
role
towards
a
particular
disease
as
well
as
various
physical
characteristics
and
so
on,
and
being
able
to
do
that.
That
is
genomic
testing
based
on
the
human
genome,
I'm
not
completely
sure
if
genetic
testing,
I
think
it's
used
interchangeably,
I'm
not
completely
sure
about
the
meaning
of
that.
Unless
you
know
that
and
you
you're
just
testing
us.
D
No,
I
wouldn't
do
that.
I,
I
have
a
pretty
good
idea,
but
I
just
I
know
we
could
use
both
of
those
terms
and
it's
a
little
bit
different
when
you're
looking
at
you
know
as
far
as
a
predictor
for
for
future
problems
or
whatever.
So
I
I
just
kind
of
wanted
you
to
go
over
that
and
talk
about
what
genomic
and
genetic
testing
was,
but
that
I'm
fine.
H
You
next
on
our
list
is
chairman
hawaii.
C
Thank
you
very
much
cheer,
lady,
just
a
thought
and
correct
me.
If
I'm
wrong
of
course
way,
science
always
advances,
we'll
probably
have
to
eventually
deal
with
this.
With
the
study
of
genetics,
you
know,
but
it
seems,
like
the
negative
part
would
be.
We
all
benefit
from
the
law
of
averages
when
we
buy
insurance,
whether
that
be
home,
health,
car
or
even
our
life
insurance.
You
know
I'm
in
a
certain
age
group,
and
so
I
get
the
law
of
averages
on
my
side
going
down
this
road
at
some
point.
C
I
Most
companies,
sir
and
I'm
broad,
brushing,
will
take
a
rating
factor
and
then
assign
a
certain
weight
to
it
and
to
your
point,
there
can
be
a
rating
factor
that
might
have
a
low
weight
or
a
high
weight
to
it,
and
that's
the
case
in
all
insurance
and
you're
exactly
right.
If
we
knew
exactly
what
your
risk
was,
then
your
premium
would
be
the
same
price
as
your
risk,
but
even
today,
in
very
established
fields
such
as
auto
or
home
insurance.
I
Even
if
we
can
hone
in
very
specifically,
you
are
still
in
the
pool
and
to
some
degree
insurance
companies
realize
that
we
can't
significantly
overcharge
someone
because
of
their
risk,
even
if
we
know
they're
a
tad
bit
higher
risk,
that's
really
not
fair
to
the
individual,
and
so
those
rating
factors
are
are
assigned
weights.
I
I
suspect
that
if
companies
started
using
genetic
testing
that
it
would
be
the
same
thing,
they
would
assign
a
certain
weight
to
it.
It
wouldn't
put
you
outside
the
pool.
J
And
if
I
might
cheerleading
right
or
I
want
to
mention
your
law
of
averages
or
the
pool
is
very
important
to
sort
of
focus
on
is,
if
all
of
you
are
buying
life
insurance
today,
you're
all
giving
us
what
information
through
the
medical
records
and
then
we're
going
to
rate
you
based
on
your
age,
your
family
history,
because
they
ask
those
questions
on
the
application
and
the
other
things.
J
Those
rating
factors
are
regulated
by
the
department
of
commerce
and
insurance
and
they
pool
together
so
that
actuarially,
as
as
representative
powers,
noted,
there's
someone
that
looks
to
say
well
mark
white's
this
certain
age,
his
chance
of
dying
is
higher
than
someone
who's
30.
and
that's
what
the
law
of
averages
is
trying
to
do
is
to
accept
that
pool
and
then
have
enough
money
to
pay
everybody's
claims
at
the
end.
So,
but
there
is
no
insurance
company
that
we
are
aware
of
in
the
united
states.
That
requires
a
genetic
test
to
get
life
insurance.
J
L
Thank
you,
madam
chair.
I
I
I
and
I
may
be
just
repeating
questions
that
you
guys
have
answered
15
times
we're
going
to
do
it
again,
but
so
my
wife
goes
and
gets
genetic
testing,
and
it
shows
that
she
has
the
the
braca
gene.
L
C
J
So
that
would
be
potentially
problematic
based
on
the
rest
of
the
pool,
but
they
only
would
get
that
information
representative
freeman.
If
your
wife
signed
the
consent
form
and
applied
for
health
insurance,
I
mean
life
insurance
and
then
we
got
her
medical
records.
That
is
the
only
way
right
now.
Life
insurance
companies
would
ever
know
about
a
genetic
test.
L
But
but
the
life
insurance
could
deny
if
all
the
documents
were
not
signed
to
cover
life
insurance
correct.
So
if
you
it's,
if
you
asked
for
all
the
medical
records
or
insurance,
not
you,
insurance
companies
ask
for
all
the
medical
records
and
she
declined
to
sign
over.
She
could
be
denied
coverage.
I
That
could
be
the
case
today,
sir,
if
if
a
company
required
medical
records
in
order
to
issue
a
policy
regardless
of
what's
in
the
records,
if
someone
didn't
submit
them,
they
could
do
that.
Sir.
L
I
If
representative
freeman
to
your
question,
if
genetic
or
genomic
testing
advanced
to
the
degree
that
the
industry
agreed
that
it's
a
legitimate
underwriting
tool
and
that
our
regulators
agreed
that
it's
an
acceptable
underwriting
tool
and
we
could
use
that
to
appropriately
place
people
and
appropriately
rate
individuals,
we
would
hope
to
be
able
to
use
that
as
an
underwriting
tool.
We're
not
there.
Yet
by
no
means,
I
don't
think
the
science
is
there
yet
either.
L
Okay,
I
I
mean
okay,
thank
you.
B
Thank
you,
madam
chair.
I
just
like
to
close
up
with
a
few
points
that
we
raised.
Thank
you
for
a
good
discussion
that
was
really
the
purpose
of
it.
This
is
something
we
need
to
plan
and
think
about
what
the
future
holds
and
we
would
like
the
industry
to
be
or
what,
where
would
we
want?
The
industry
to
be.
One
thing
that
stands
out
is
the
genetics
is
not
absolute
and
it's
rather
early
in
the
game.
It's
not
absolute,
because
one
of
the
most
memorable
studies
is
of
160
identical
twins.
B
Illnesses
and
diseases
that
they
developed
really
depended
on
the
circumstances
environment
that
they
were
exposed
to
that
played
a
heavier
role
than
genes
alone,
certainly
like
the
bracha
gene.
Now
that's
a
given,
but
there
were
other
factors
involved.
So
it's
the
debate
between
nature
versus.
B
As
far
as
regulating
the
availability
of
genetic
information
that
we
get
on
our
own,
like
going
to
one
of
these
companies
23
and
me
that
I
was
given
by
the
industry,
a
bill
that
was
passed
in
utah
and
it
is
genetic
in
to
me,
it
was
more-
they
banned
the
information
from
these.
They
banned
these
third-party
companies
from
releasing
the
information
to
insurance
companies
without
the
person
applying
for
insurance
without
their
consent.
So
to
me
it
was
genetic
information
privacy
act,
so
it
was
gipa.
B
Apart
from
that,
I
I
really
I'm
thankful
for
the
discussion
and
the
thoughts
in
it
and
let
us
see
what
the
next
year
or
two
brings
where
industry
goes
and
what?
Where
would
we
like
the
industry
to
go,
and
hopefully
we
will
reach
a
point
where
good
decisions
can
be
made
so
that
there
is
fairness
in
the
in
the
any
legislation
and
practice
of
insurance
as
well
as
there
is.
B
There
is
fairness
in
commerce
as
well,
as
you
know
how
we
treat
people
if
something
is
inherited,
it's
not
that
person's
fault
and
the
society
needs
to
take
care
of
it.
It's
no
different
than
a
child
born
born
with
major
disabilities
and
how
we
take
care
of
them,
and
I
think,
from
that
point
of
view,
our
society
is
a
good
society.
We
take
care
of
people,
and
I
think
that
similar
moral
standards
should
apply
to
insurance
and
and
in
inherited
diseases
that
affect
a
person's
longevity
and
their
ability
to
get
insurance
with
that.
H
Are
there
any
more
questions
for
our
guests,
seeing
none
we'll
go
back
into
session?
We
do
have
one
other
question
I
think
for
chairman
kumar
and
that
would
be
from
representative
freeman.
L
Thank
you
chairman,
and
so
your
intent
today
is.
Are
we
going
to?
Are
we
going
to
vote
on
this
today?
Is
that
your
intent?
No.
B
No,
I
told
you
in
the
declared
in
the
beginning
that
at
this
time
we
are
not
at
a
point
that
the
certain
things
about
this
bill
and
legislation,
or
just
the
philosophical
matters
of
how
society
should
handle
it.
They
are
not
completely
worked
out.
So
my
plan
was
to
take
it
off
notice
for
now,
but
I
thought
the
discussion
will
be
helpful
in
helping
us
plan
for
the
future.
L
Thank
you
chairman,
so
I
I
obviously
would
defer
to
you,
but,
but
I
would
love
to
see
us
vote
on
this
today
and,
while
I
understand
your
concerns
that
that
there
are
some
unknowns,
those
same
unknowns
are
on
on
both
sides
and
and
as
the
as
the
science
increases
and
gets
better.
L
We
can
reconsider
those
actions,
but
knowing
today
that
the
science
is
is
incomplete
and
that
insurance
companies
can
use
today
from
if
they
so
choose,
can
use
to
your
own
acknowledgement
and
and
to
the
the
questions,
incomplete
and
potentially
inaccurate
information
to
increase
or
deny
coverage,
I
think,
is
extremely
damaging
to
to
people
and
as
that
science
increases
and
improves,
and
we
decide,
we
would
like
to
use
genomic
testing.
L
We
can
reconsider
our
actions,
and
so
with
that
I
would
if
I
can
make
a
motion
or
if
you
can
reconsider
your
actions,
but
I'd
like
to
make
a
motion
for
us
to
go
ahead
and
vote
on
that.
On
that
bill.
B
Thank
you.
I
see
your
point
and
I
see
that
this
is
a
matter
that
does
need
to
be
resolved.
I
just
felt
it
was
too
early
at
this
time
to
resolve
this
matter,
and
I
really
personally
needed
some
thinking
time,
because
there
are
pros
and
cons
to
it
on
both
sides,
and
I
was
not
completely
sure.
B
Although
my
initial
response
was
certainly,
we
should
not
discriminate
on
basis
of
genetics
in
providing
insurance,
but
then
again,
is
it
really
fair
to
the
rest
of
the
members
of
an
insurance
pool,
and
at
this
time
I
was
not
ready,
and
actually
I
had
given
my
work
to
our
industry.
Friends
that
I
want
you
to
work
with
me
over
the
next
couple
years
and
let
us
year
or
two
to
let
us
develop
a
model
that
is
suitable
to
them.
Only
one
state
florida
has
done
so
yet,
so
we
are
fairly
ahead
in
the
game.
B
B
That
is
part
of
your
medical
records,
so
those
things
have
not
been
done
and
I
really
thought
it
was
early
and
although
I
wanted
to
bring
it
up
for
discussion,
I
was
not
going
to
ask
for
a
vote
and
I
declared
that
before
if
I
presented
this
bill-
and
I
thank
you
for
for
your
interest
and
let
us
work
together
and
let
us
see
over
the
next
year
or
two,
how
things
develop
as
we
see
the
landscape
in
florida.
What
effect
has
it
had?