Centro de Documentacion de Fundación MAPFRE - Self-insurance with genetic testing tools

MAP20170008644

Self-insurance with genetic testing tools / David Crainich

Sumario: 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.

En: The Journal of risk and insurance. - Nueva York : The American Risk and Insurance Association, 1964- = ISSN 0022-4367. - 01/03/2017 Volumen 84 Número 1 - marzo 2017 , p. 73-94

1. Genética . 2. Seguro de salud . I. Título.