55 To see if any other states have added a premium assistance program since J uly 31, 202 5 , or for more information on special enrollment rights, contact either: U.S. Department of Labor U.S. Department of Health and Human Services Employee Benefits Security Administration Centers for Medicare & Medicaid Services www.dol.gov/agencies/ebsa www.cms.hhs.gov 1 - 866 - 444 - EBSA (3272) 1 - 877 - 267 - 2323, Menu Option 4, Ext. 61565 Genetic Information Nondiscrimination Act (“G INA ”) “GINA” shall mean the Genetic Information Nondiscrimination Act of 2008 (Public Law No. 110 - 233), which prohibits Group H ealth P lans , issuers of individual health care policies, and employers from discriminating on the basis of genetic information. GINA prohibits a G roup H ealth P lan from adjusting group premium or contribution amounts for a group of similarly situated individuals based on the genetic information of members of the group. The term “genetic information” means, with respect to any individual, information about: 1) Such individual’s genetic tests; 2) The genetic tests of family members of such individual; and 3) The manifestation of a disease or disorder in family members of such individual. The term “genetic information” includes participating in clinical research involving genetic services. Genetic tests would include analysis of human DNA, RNA, chromosomes, proteins, or metabolite that detect genotypes, mutations, or chromosomal changes. Genetic information is a form of Protected Health Information (PHI) as defined by and in accordance with the Health Insurance Portability and Accountability Act of 1996 (HIPAA), and is su bject to applicable Privacy and Security Standards. “Family members” include dependents, plus all relatives to the fourth degree, without regard to whether they are related by blood, marriage, or adoption. “Underwriting” includes any rules for determining eli gibility, computing premiums or contributions, and applying preexisting conditions. Offering reduced premiums or other rewards for providing genetic information would be impermissible underwriting. Subrogation and Recovery If a Participant incurs covered expenses or receives benefits under a Benefit Program with respect to an injury or illness for which a third party (or its insurer) may be liable, the Plan retains all rights of subrogation, recovery and reimbursement as se t out more specifically in the governing d ocuments for each Benefit P rogram . Prudent Actions by Plan Fiduciaries In addition to creating rights for Plan participants, ERISA imposes duties upon the people who are responsible for the operation of the Plan . The people who operate the Plan , called “fiduciaries” of the Plan , have a duty to do so prudently and in the interest of you and other Plan participants and