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Journal Articles Journal of Risk and Insurance Year : 2015

Self-Insurance With Genetic Testing Tools

David Crainich

Abstract

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.
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hal-01533549 , version 1 (06-06-2017)

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David Crainich. Self-Insurance With Genetic Testing Tools. Journal of Risk and Insurance, 2015, 84 (1), pp.73--94. ⟨10.1111/jori.12085⟩. ⟨hal-01533549⟩
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