0 avis
Self-Insurance With Genetic Testing Tools
Archive ouverte : Article de revue
International audience. 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.
Consulter en ligne
Suggestions
Du même auteur
Du même sujet
