Self-Insurance With Genetic Testing Tools

Crainich, David

Document type :

Article dans une revue scientifique

DOI :

10.1111/jori.12085

Title :

Self-Insurance With Genetic Testing Tools

Author(s) :

Crainich, David [Auteur]
Lille économie management - UMR 9221 [LEM]

Journal title :

Journal of Risk and Insurance

Pages :

73--94

Publisher :

Wiley

Publication date :

2015-05

ISSN :

0022-4367

English keyword(s) :

genetic testing
self-insurance efforts
health insurance market

HAL domain(s) :

Sciences de l'Homme et Société/Economies et finances

English abstract : [en]

The development of genetic testing creates opportunities to better target disease prevention actions. In this article, we determine how the genetic information modifies self-insurance efforts in different health insurance ...
Show more >The development of genetic testing creates opportunities to better target disease prevention actions. In this article, we determine how the genetic information modifies self-insurance efforts in different health insurance market equilibria with adverse selection. We show that a regulation prohibiting insurers from using genetic information for rate-making purposes: (1) cancels the benefits of genetic testing when pooling equilibria occur and (2) does not prevent the exploitation of the benefits derived from genetic testing when separating equilibria (both of the Rothschild-Stiglitz or of the Miyazaki-Spence type) prevail in insurance markets.Show less >

Language :

Anglais

Peer reviewed article :

Oui

Audience :

Internationale

Popular science :

Non

Collections :

Lille Économie Management (LEM) - UMR 9221

Source :

Harvested from HAL

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