保险中的遗传信息：州监管的指导性问题

Many legislative efforts do not adequately address public concerns of genetic discrimination in insurance Anya E. R. Prince and Theresa Eckel In 2008, the US Congress passed the Genetic Information Non-discrimination Act (GINA) to prohibit genetic discrimination in health insurance. Some early versions included life, long-term care, and disability insurers, but the final act narrowed to health insurance for political expediency. States were left to determine whether and how to fill these gaps. Insurers have argued that access to genetic information is essential to properly calculate risk. Yet, in other contexts, like gender and race or ethnicity, states have, for societal reasons, restricted insurer use of potentially predictive information (1). …