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| Content Provider | IEEE Xplore Digital Library |
|---|---|
| Author | Thatcher, M.E. Clemons, E.K. |
| Copyright Year | 2000 |
| Description | Author affiliation: Arizona Univ., Tucson, AZ, USA (Thatcher, M.E.) |
| Abstract | Advances in genetic testing and data mining technologies have increased the availability of genetic information to insurance companies and insureds (applicants and policy holders) in the individual health insurance market (IHIM). Regulators, concerned that insurance companies will use this information to discriminate against applicants who have a genetic risk factor but who are still healthy, have implemented genetic privacy legislation in at least 18 states. However, in previous work we have demonstrated that such legislation will have unintended consequences-it will reduce consumer participation in the market without making those remaining better off. This paper identifies a mechanism, a bundling strategy, that insurance companies may implement in this regulatory environment to restore (or maximize) consumer participation in the market and to discourage such discrimination among insureds. This problem is examined through simulation modeling. The results will have significant implications for policy designs implemented by insurance companies, for legislation implemented by industry regulators, and therefore, for the insurability of the individuals that rely on this market for health insurance coverage. |
| File Size | 101340 |
| File Format | |
| ISBN | 0769504930 |
| DOI | 10.1109/HICSS.2000.926950 |
| Language | English |
| Publisher | Institute of Electrical and Electronics Engineers, Inc. (IEEE) |
| Publisher Date | 2000-01-07 |
| Access Restriction | Subscribed |
| Rights Holder | Institute of Electrical and Electronics Engineers, Inc. (IEEE) |
| Subject Keyword | Costs Privacy Insurance Genetics Legislation Medical conditions Medical tests Data mining Regulators Protection |
| Content Type | Text |
| Resource Type | Article |
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