John Kelsey <kelsey@plnet.net> writes:
Suppose there is some genetic disease that kills its victims on their 31st birthday, unless they get a $1,000,000 treatment first. Before I have taken the test for this disease, I have to accept a certain risk--if I find out I have the disease, I have to raise a million dollars in the next few months. After I have taken the test and gotten back the results, there's no more risk involved (assuming the test is perfect)--I either have the disease or I don't.
The insurer can't determine whether you've taken the test. The insurer may insist on the test anyway or offer you unfavourable odds, basically assuming you have privately tested and found positive otherwise you wouldn't be refusing to have the test. (A variation of the `he must have something to hide' theme). Unless you can afford the premium for withholding this test, you're stuck.
Before the test, though, insurance might be useful--I could essentially place a bet with someone that I had the disease--I pay $1, and get a million dollars back if my test comes back positive--just enough to pay for my treatment.
The insurance company would have no financial incentive to take on such risks -- I reckon they'd sooner let the wanna-be customer die. Nasty, but it's reality.
The alternative is not pretty: banning private testing (how?) and forcing insurance companies to cover all applicants for all conditions at a fixed rate.
I know. Let me make it clear that I am not at all interested in banning private testing, coercing insurance companies or anyone else into agreements they don't want to make, etc. I am saying it would be nice if I could buy insurance against the results of the tests before I took them. The problem is, I can't see a really workable way to do this, because there's no way to keep people from taking the test beforehand.
I reckon your only option would be charity. If these $1,000,000 treatment 1:1,000,000 odds genetically testable diseases are rare (1:1mil is rare), perhaps a charity would be able to cover the costs. The increased choice in insurance would ensure cheaper medical care for all. A deregulated medical profession with third party rating services rather than top down government services should reduce prices dramatically also. Same for medical drugs, third party ratings. Buy your ratings service. And being a hard line anarcho capitalist, I draw the conclusion that if you can't afford to keep yourself alive, that is your problem. (Heartless ain't it:-) Aside from comments about evolution in action (perhaps I personally don't want to fund propogating these genetic defects, and that is my choice), my suggestion is that such cases would have to be met by charity. A charity could also refuse to help people who hadn't donated, if it chose. I bet it would work too, and a lot more efficiently than the government regulated setup now. Heck I might even donate to it, with the savings I'd make from the breakup of the medical cartel. (UK is as socialist as it comes with medicine, and your taxes reflect this.) Adam -- Now officially an EAR violation... Have *you* exported RSA today? --> http://www.dcs.ex.ac.uk/~aba/rsa/ print pack"C*",split/\D+/,`echo "16iII*o\U@{$/=$z;[(pop,pop,unpack"H*",<> )]}\EsMsKsN0[lN*1lK[d2%Sa2/d0<X+d*lMLa^*lN%0]dsXx++lMlN/dsM0<J]dsJxp"|dc`