Self-insurance with genetic testing tools

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      <subfield code="a">Crainich, David</subfield>
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      <subfield code="c">David Crainich</subfield>
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      <subfield code="a">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:  cancels the benefits of genetic testing when pooling equilibria occur and does not prevent the exploitation of the benefits derived from genetic testing when separating equilibria (both of the RothschildStiglitz or of the Miyazaki Spence type) prevail in insurance markets. </subfield>
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      <subfield code="a">Genética</subfield>
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      <subfield code="a">Seguro de salud</subfield>
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      <subfield code="w">MAP20077000727</subfield>
      <subfield code="t">The Journal of risk and insurance</subfield>
      <subfield code="d">Nueva York : The American Risk and Insurance Association, 1964-</subfield>
      <subfield code="x">0022-4367</subfield>
      <subfield code="g">01/03/2017 Volumen 84 Número 1 - marzo 2017 , p. 73-94</subfield>
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