It’s illegal for health insurers to use genetic testing to discriminate against policyholders. However, life insurers can and do discriminate on that basis if the test is in your medical file. Private testing lets patients know their risk for many diseases without landing in health files. Advocates want to make it illegal for life insurers to also discriminate on this basis, but it may end up with higher costs for everyone. Experts explain.
Anya Prince, Associate Professor of Law, University of Iowa
Dr. Patricia Born, Professor and Payne H. and Charlotte Hodges Midyette Eminent Scholar in Risk Management and Insurance, Florida State University
Lisa Schlager, Vice President of Public Policy, Facing Our Risk of Cancer Empowered (FORCE)