Pennsylvania Life, Accident, & Health Insurance Practice Exam

The correct answer highlights that HIV test results can only be shared with specific individuals who have a legitimate interest in that information, such as underwriters in the insurance context. The rationale for this restriction is primarily centered around privacy and confidentiality.

The sharing of sensitive medical information, particularly HIV status, is governed by strict laws and regulations to protect the individual’s right to privacy. This restriction ensures that such personal health information is not disclosed indiscriminately and is only available to those who need to know for specific, permissible purposes—like evaluating an application for insurance coverage.

This limitation reflects broader principles of informed consent and the protection of sensitive health information, which are essential aspects of health care and insurance practices. It prevents potential discrimination or stigmatization based on an individual's health status.