Self-Insurance With Genetic Testing Tools

Crainich, David

Type de document :

Compte-rendu et recension critique d'ouvrage

DOI :

10.1111/jori.12085

Titre :

Self-Insurance With Genetic Testing Tools

Auteur(s) :

Crainich, David [Auteur]

Lille économie management - UMR 9221 [LEM]

Titre de la revue :

Journal of Risk and Insurance

Pagination :

73--94

Éditeur :

Wiley

Date de publication :

2015-05

ISSN :

0022-4367

Mot(s)-clé(s) en anglais :

genetic testing
self-insurance efforts
health insurance market

Discipline(s) HAL :

Sciences de l'Homme et Société/Economies et finances

Résumé en anglais : [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 ...
Lire la suite >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.Lire moins >

Langue :

Anglais

Vulgarisation :

Non

Collections :

Lille Économie Management (LEM) - UMR 9221

Source :

Harvested from HAL

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