What does GINA Title I allow health insurers to request?

The correct answer highlights that GINA Title I allows health insurers to request genetic information only if it impacts an individual's coverage. The Genetic Information Nondiscrimination Act (GINA) was enacted to protect individuals from discrimination based on their genetic information by health insurers and employers. Title I specifically prohibits health insurers from requesting or using genetic information to make decisions about eligibility, premiums, or coverage. This protection means that while insurers may collect genetic information, it can only be used in the context of direct implications on medical coverage or treatment decisions rather than for determining insurability or premium costs absent any relevance to the insurance coverage.

Understanding this helps to clarify the broader purpose of GINA in fostering a non-discriminatory environment regarding genetic factors, thus ensuring that individuals are not penalized for their genetic predispositions in their healthcare coverage. This legislative safeguard focuses on the relevance of genetic data rather than permitting insurers to collect it indiscriminately or for non-specific purposes.