Genetic Adverse Selection: Evidence from Long-Term Care Insurance and Huntington Disease
Genetic Adverse Selection: Evidence from Long-Term Care Insurance and Huntington Disease
复制标题
遗传逆向选择：来自长期护理保险和亨廷顿病的证据
DOI：
10.1016/j.jpubeco.2010.06.009
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发表时间：
2009
期刊：
影响因子：
--
通讯作者：
E. Dorsey
中科院分区：
文献类型：
--
作者：
E. Oster;I. Shoulson;K. Quaid;E. Dorsey
个人的、个性化的基因信息越来越多，导致随着时间的推移，特别是在个人付款人保险市场上，可能会出现更多的逆向选择。我们使用亨廷顿病(HD)风险个人的数据来估计长期护理保险中的逆向选择。HD是一种对发病率有显著影响的退行性神经疾病。我们发现了逆向选择的有力证据：携带HD基因突变的个人拥有长期护理保险的可能性是普通人群的5倍。通过比较HD风险人群和普通人群中的个体，以及比较HD风险人群中具有HD突变和不存在HD突变的受测个体，这一发现得到了支持。
Individual, personalized genetic information is increasingly available, leading to the possibility of greater adverse selection over time, particularly in individual-payer insurance markets. We use data on individuals at risk for Huntington disease (HD), a degenerative neurological disorder with significant effects on morbidity, to estimate adverse selection in long-term care insurance. We find strong evidence of adverse selection: individuals who carry the HD genetic mutation are up to 5 times as likely as the general population to own long-term care insurance. This finding is supported both by comparing individuals at risk for HD to those in the general population and by comparing across tested individuals in the HD-risk population with and without the HD mutation.
影响因子：
7.2
作者：
Elbaz, A;Bower, JH;Rocca, WA
通讯作者：
Rocca, WA
基因检测、逆向选择和人寿保险的需求。
DOI：
--
发表时间：
2000
期刊：
American journal of medical genetics.
影响因子：
--
作者：
Zick,CD;Smith,KR;Mayer,RN;Botkin,JR
通讯作者：
Botkin,JR