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I'm asking at a personal level, because in the US this genetic discrimination is against federal law, and I (personally) have 0 fear that an insurance company w

I'm asking at a personal level, because in the US this genetic discrimination is against federal law, and I (personally) have 0 fear that an insurance company will seek out and use this information to illegally discriminate against me. Are you worried that companies will not respect this law? Or are you not US based.

rnk 4y ago
It's illegal but companies will figure out a way to work around it. Why can't they just require your authorization as part of getting insurance? You might notice lots of services require you to give up certain privacy rights. I don't want the phone company to sell my location data, I don't want apps on my phone to sell my location data. There are all these tenuous yet successful ways where your right to opt out is overcome. I'm happy to click in boxes in apps, I've done it lots of times, I turn off location history when possible. But because I carry a phone I believe it's certain that some apps somewhere are storing my location. Same for having a recent car with a data modem in it. And then there are license plate readers. I want to disallow all of these things, but the battle is basically lots as far as I can tell.
- novok 4y ago
  That just means the laws don't have teeth. Often if they do, they straight out say it's illegal to even get 'authorization' or anything approaching it. It would be a straight out ban vs. an "ok with consent" which is what authorization is about. You can't sign a contract to sign yourself into slavery, it's just straight out illegal. And thus you don't see anybody being signed into slavery via contract in the USA, and there many other things that act this way in law.
- lotsofpulp 4y ago
  > It's illegal but companies will figure out a way to work around it. Why can't they just require your authorization as part of getting insurance? Because it is highly regulated, with no known examples of insurance companies and regulators colluding to incorporate health data for pricing purposes. https://www.healthcare.gov/how-plans-set-your-premiums https://www.healthcare.gov/how-plans-set-your-premiums For example, you can even figure out your health insurance premium in the state of NJ just based on this pdf: https://www.state.nj.us/dobi/division_insurance/ihcseh/ihcrates2022.pdf https://www.state.nj.us/dobi/division_insurance/ihcseh/ihcra...

rnk 4y ago

It's illegal but companies will figure out a way to work around it. Why can't they just require your authorization as part of getting insurance? You might notice lots of services require you to give up certain privacy rights. I don't want the phone company to sell my location data, I don't want apps on my phone to sell my location data. There are all these tenuous yet successful ways where your right to opt out is overcome. I'm happy to click in boxes in apps, I've done it lots of times, I turn off location history when possible. But because I carry a phone I believe it's certain that some apps somewhere are storing my location. Same for having a recent car with a data modem in it. And then there are license plate readers. I want to disallow all of these things, but the battle is basically lots as far as I can tell.

novok 4y ago
That just means the laws don't have teeth. Often if they do, they straight out say it's illegal to even get 'authorization' or anything approaching it. It would be a straight out ban vs. an "ok with consent" which is what authorization is about. You can't sign a contract to sign yourself into slavery, it's just straight out illegal. And thus you don't see anybody being signed into slavery via contract in the USA, and there many other things that act this way in law.
lotsofpulp 4y ago
> It's illegal but companies will figure out a way to work around it. Why can't they just require your authorization as part of getting insurance? Because it is highly regulated, with no known examples of insurance companies and regulators colluding to incorporate health data for pricing purposes. https://www.healthcare.gov/how-plans-set-your-premiums https://www.healthcare.gov/how-plans-set-your-premiums For example, you can even figure out your health insurance premium in the state of NJ just based on this pdf: https://www.state.nj.us/dobi/division_insurance/ihcseh/ihcrates2022.pdf https://www.state.nj.us/dobi/division_insurance/ihcseh/ihcra...