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- Title
Genetic testing for Alzheimer's disease and its impact on insurance purchasing behavior.
- Authors
Zick, Cathleen D; Mathews, Charles J; Roberts, J Scott; Cook-Deegan, Robert; Pokorski, Robert J; Green, Robert C
- Abstract
New genetic tests for adult-onset diseases raise concerns about possible adverse selection in insurance markets. To test for this behavior, we followed 148 cognitively normal people participating in a randomized clinical trial of genetic testing for Alzheimer's disease for one year after risk assessment and Apolipoprotein E (APOE) genotype disclosure. Although no significant differences were found in health, life, or disability insurance purchases, those who tested positive were 5.76 times more likely to have altered their long-term care insurance than those who did not receive APOE genotype disclosure. If genetic testing for Alzheimer's risk assessment becomes common, it could trigger adverse selection in long-term care insurance.
- Publication
Health affairs (Project Hope), 2005, Vol 24, Issue 2, p483
- ISSN
0278-2715
- Publication type
Journal Article
- DOI
10.1377/hlthaff.24.2.483