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The Scientist: NewsBlog:
Genetic bias vote in Senate, finally
Posted by Alison McCook [Entry posted at 22nd April 2008 06:43 PM GMT]
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Return to Top comment: Bravo by Ogechi Ikediobi [Comment posted 2008-04-29 20:56:43] This is certainly a step in the right direction. Return to Top comment: Insurance works due to shared risk by Tom Wanamaker [Comment posted 2008-04-24 14:53:24] I disagree with the previous post regarding the prospect of differentiated premiums based on genetic risk factors. By allowing insurers to jack up the costs to those at higher risk, they can achieve a de facto denial of coverage.
The previous post indicated that it wasn't fair to have someone with low risk pay the same premium as one with high risk, but what if you were at high risk yourself? One has a level of control over lifestyle, but not a bit over one's genetic endowment. (I would agree, however, with the prospect of having higher premiums for those at genetically high risk who do NOT engage in lifestyle/diet/exercise choices that reduce their overall risk of being affected.) As it is now, insurance companies calculate premiums based upon overall risk factors without including the genetic component. That is a fair way to do things. Nailing somebody who is already at risk for some genetic condition with higher premiums is just not humane. Return to Top comment: Non-discrimination just means higher rates, right? by anonymous poster [Comment posted 2008-04-24 13:51:50] Just so long as non-discrimination doesn't mean an inability to separate people into low-risk and high-risk groups. I agree that they shouldn't be denied coverage, but insurance is about determining the probabilities that a claim will be made and charging them an appropriate amount to cover that risk. It's just as unfair to ask people with a low risk for disease to pay higher premiums to cover their neighbor who has a high probability of requiring treatment in the future, whether it be because of poor habits or "bad genes". Return to Top comment: Re: Good by Matthew Costa [Comment posted 2008-04-23 16:01:41] I think that when he says "This is the first forward looking piece of civil rights legislation in US history," he is referring to an issue that may not be a large problem yet, but would be a civil rights issue when genetic information becomes more readily availible. Previous civil rights legislation dealt with then current civil rights infractions. Return to Top comment: Good by Joshua Sloan [Comment posted 2008-04-23 13:39:35] I am glad this is getting the support it deserves. The quote "This is the first forward looking piece of civil rights legislation in US history," is a bit odd though. I am pretty sure we had this little period about 50 years ago when civil rights legislations were being passed too. Comment on this blog |