Klarinet Archive - Posting 000552.txt from 2004/08
From: "charette@-----.org> Subj: RE: [kl] [OT] Costco caskets Date: Thu, 19 Aug 2004 10:31:01 -0400
From: Bill Hausmann
> It flies in the face of the whole principle of shared risk that=20
> the system is based on=2E =20
Shared risk? Hah=2E There's no generic pool of insured; there are "selecte=
d"
risk pools, which, when it comes to medicine, prices segments of the
population out of the market=2E If there were truly a generic pool, some o=
f
us would pay less, and some of us would pay more for our insurance=2E=20
Genetic testing for predisposion towards later life medical problems just
amplifies the current "family history" that you're asked for when applying=
for insurance=2E Your family history partly determines the risk pool you'r=
e
placed in, and of course they're depending on genetic transference of
specific problems=2E Genetic testing can possibly show a lot more informat=
ion
and allow insurance companies to further segregate the pools, lowering the=
risk to their shareholders and letting them "lay off" less of their funds
with other insurance agencies (co-insurance)=2E
So there's less support for the sick by the healthy because of selective
pooling; there's also the complex ethical and moral issue of whether peopl=
e
who make themselves sick (through substance abuse, for instance, or
high-risk activities) should be supported by the healthy=2E
One of my sons is studying actuarial science at U of Mich so we talk often=
of these dilemmas; statistics and their (mis)application is an interesting=
subject=2E
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