Self-Insurance With Genetic Testing Tools
Document type :
Compte-rendu et recension critique d'ouvrage
DOI :
Title :
Self-Insurance With Genetic Testing Tools
Author(s) :
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
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 >
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
Popular science :
Non
Collections :
Source :