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How long before that becomes a mandatory test to get health insurance? Or somehow the data is bought by insurers who then use it to jack up the rates for those
by stuff4ben 2y ago
How long before that becomes a mandatory test to get health insurance? Or somehow the data is bought by insurers who then use it to jack up the rates for those who will eventually get cancer. God I hate the US healthcare system!
- DennisP 2y agoInsurance companies haven't been allowed to deny coverage for preexisting conditions since 2014, due to Obamacare. They can't even raise premiums. The only variables are age, sex, smoking, and where you live. This applies both to employer plans and the ACA plans on healthcare.gov, where you can get a quote without giving them any health data at all.
- bonton89 2y agoIs there anything stopping an employer from pretesting you to avoid adding a potentially expensive employee to their roster?
- deleted 2y ago[deleted]
- zamadatix 2y agoGenerally it runs aground with things like the ADA because you can't just "accidentally" find out the person has a covered condition, you're just never allowed to ask or require it be told. Exceptions for something like an airline pilot on matters related to the job like sight notwithstanding. This is why you always see things like "can lift up to 40 lbs" type requirements instead.
- Koala_ice 2y agoBut, you can get absolutely destroyed on life insurance and, just as critically, long-term care insurance. Genetic discrimination is perfectly legal in those domains.
- qclibre22 2y agoYou can be denied some kinds of health insurance : https://www.medicarefaq.com/faqs/can-you-be-denied-a-medicare-supplement-plan/ https://www.medicarefaq.com/faqs/can-you-be-denied-a-medicar...
- DennisP 2y agoOnly if you miss the open enrollment period, and even then, you still have Medicare regardless. It seems reasonable not to let people over 65 wait until they have cancer before purchasing supplemental insurance.
- Tenoke 2y agoThis is such an odd take for me. If the test works and insurance makes the test mandatory (which seems pretty unlikely, what other comparable tests are mandatory?) then more people will get an early diagnosis, and less people will die! The incentives are aligned, the system works!