Abstract
I. Introduction
II. Theoretical Underpinnings and Foundation of Insurance Regulation
III. Policy Approaches ... A. Prohibitive Approach ... B. Status Quo Approach ... C. Rational Discrimination Approach ... 1. United Kingdom Moratorium and Concordat ... 2. Australian Guidance ... 3. U.S. Uniform Law Commission Proposal
IV. Risk Classification and Economic Efficiency ... A. Classifying Risk ... B. Why Insurers Classify Risks ... C. Choosing a Risk Characteristic ... 1. Statistical Considerations ... 2. Operational Considerations ... 3. Social Considerations
V. Genetic Test Results and Insurance ... A. Genetic Test Results as Risk Characteristics ... B. Current Use of Genetic Test Results ... 1. Insurer Access to Genetic Test Results … 2. Insurer Use of Genetic Test Results
VI. Are Transparency and Oversight Necessary? ... A. Insurer Misuse of Genetic Test Results ... B. Transparency of the Insurance Market ... C. The Arms Race of Risk Classification ... D. Fear of Genetic Discrimination
VII. Standards of Evidence ... A. Uniform Law Commission Draft ... B. U.K. Moratorium ... C. Australian Guidance ... D. Additional Considerations ... 1. What Types of Evidence Are Sufficient? ... 2. How Should the Context of Genetic Tests Come into Play? ... 3. Should Relevance Be Measured by Marginal Added Value? ... 4. How Should Preventive and Treatment Measures Be Taken into Account? ... 5. How Should Variants Within a Gene Be Considered?
VIII. The Case for a Rational Discrimination Approach ... A. Prohibitive Approach Comparison ... B. Status Quo Consideration
IX. Conclusion
Recommended Citation
Anya E.R. Prince,
Insurance Risk Classification in an Era of Genomics: Is a Rational Discrimination Policy Rational?,
96 Neb. L. Rev. 624
(2017)
Available at: https://digitalcommons.unl.edu/nlr/vol96/iss3/4