In 2008, the US Congress passed the Genetic Information Non-discrimination Act (GINA), which prohibits genetic discrimination in health insurance.[1][3][4] Original versions of GINA also included life, long-term health, and disability insurance, but the final version was limited to only health insurance for political reasons, leaving states to regulate other areas.[1][5] State laws vary in scope and strength; some regulate only the cancellation of insurance based on genetic information, while others also limit the setting of premiums.[1][5] Insurers argue that access to genetic information is necessary to calculate risks, as with other predictive factors.[1] Fear of discrimination prevents people from participating in genomic research and testing.[1] Article authors Anya Prince and Theresa Eckel recommend five guiding questions for state regulation, including precise definitions of genetic information, discrimination, and protection of family genetic data.[5] These issues help strengthen legislation against discrimination in the insurance industry.[5]