A growing number of consumers are ordering direct health and genetic tests with the aim of early detection of diseases such as cancer or Alzheimer's disease[1]. Experts warn that this data could be used by banks and insurance companies to reduce their own risks, which could affect financial products such as loans, life insurance and long-term care insurance in retirement homes[1]. The federal Genetic Information Nondiscrimination Act (GINA) of 2008 prohibits health insurance companies from using genetic information to make decisions about insurance coverage or premiums[4]. However, GINA does not apply to other types of insurance, such as disability insurance, long-term insurance, or life insurance, where insurance companies may request genetic data[4]. Legal experts warn that recent efforts to change the Affordable Care Act could weaken health insurance privacy protections, and that changes in state laws could lead to different rules depending on where you live.[1] The situation is also complicated by the fact that companies combine genetic and non-genetic information in their own risk reports, which is not explicitly regulated in existing data protection laws[1].