The Genetic Information Nondiscrimination Act (GINA) is a federal law that prohibits health insurers and employers from discriminating based on genetic information. These laws make it illegal for health insurance companies to deny you coverage or change your premiums based on your genetic test information, and a positive test result cannot be considered a pre­ existing condition. There are currently no federal laws that prohibit life, long term care, or disability insurance companies from discriminating based on genetic information