4 ms·

This data would be of much more interest to your health insurance company. The ultimate preexisting condition pricing guide. Mostly a US concern, as usual.

pfdietz 2y ago
Health insurance companies are prohibited by law in the US from considering preexisting conditions.
- yumraj 2y ago
  You mean, “at present”.. No way to know how the regulation will change in the future depending on the amount of lobby dollars that are thrown.
  - pfdietz 2y ago
    If you want to hand wring about future changes you don't need to look at dubious inference of risk from DNA. Just consider cancellation of insurance policies if you come down with some illness that requires expensive long term treatment.
- collingreen 2y ago
  The point of this attack vector is to drop patients who are high risk BEFORE they get diagnosed so they can claim it isn't for any existing condition. This is especially scary in small, closely related communities like Iceland or Utah where a relatively low number of collected samples can be extrapolated to large swaths of the population that didn't give their genetic info away. Also that protection is relatively new in the US and is constantly being attacked politically so it isn't unreasonable to think about a world where it is removed like other longstanding health related protections.
  - dragonwriter 2y ago
    The Genetic Information Nondiscrimination Act is almost as old as 23andMe and older than the prohibition on discrimination for preexisting conditions, so it would be strange to come up with a hack where you break the first to try to get around the second.
    - smcin 2y ago
      US Federal Genetic Information Nondiscrimination Act (2008) (https://en.wikipedia.org/wiki/Genetic_Information_Nondiscrimination_Act https://en.wikipedia.org/wiki/Genetic_Information_Nondiscrim...) Also, since 1991, many US states had already passed laws that prohibit insurers' use of genetic information in pricing, issuing, or structuring health insurance.
    - collingreen 2y ago
      This is a great reference and it's a good point - there are multiple lines of defense here because the danger is so high. If the implication is that it is so old it won't ever be challenged it's worth noting that roe v wade was in '73.
- dragonwriter 2y ago
  And they were prohibited from considering genetic information by the Genetic Information Nondiscrimination Act before they were prohibited from considering preexisting conditions more generally by the Affordable Care Act.

pfdietz 2y ago

Health insurance companies are prohibited by law in the US from considering preexisting conditions.

yumraj 2y ago
You mean, “at present”.. No way to know how the regulation will change in the future depending on the amount of lobby dollars that are thrown.
- pfdietz 2y ago
  If you want to hand wring about future changes you don't need to look at dubious inference of risk from DNA. Just consider cancellation of insurance policies if you come down with some illness that requires expensive long term treatment.
collingreen 2y ago
The point of this attack vector is to drop patients who are high risk BEFORE they get diagnosed so they can claim it isn't for any existing condition. This is especially scary in small, closely related communities like Iceland or Utah where a relatively low number of collected samples can be extrapolated to large swaths of the population that didn't give their genetic info away. Also that protection is relatively new in the US and is constantly being attacked politically so it isn't unreasonable to think about a world where it is removed like other longstanding health related protections.
- dragonwriter 2y ago
  The Genetic Information Nondiscrimination Act is almost as old as 23andMe and older than the prohibition on discrimination for preexisting conditions, so it would be strange to come up with a hack where you break the first to try to get around the second.
  - smcin 2y ago
    US Federal Genetic Information Nondiscrimination Act (2008) (https://en.wikipedia.org/wiki/Genetic_Information_Nondiscrimination_Act https://en.wikipedia.org/wiki/Genetic_Information_Nondiscrim...) Also, since 1991, many US states had already passed laws that prohibit insurers' use of genetic information in pricing, issuing, or structuring health insurance.
  - collingreen 2y ago
    This is a great reference and it's a good point - there are multiple lines of defense here because the danger is so high. If the implication is that it is so old it won't ever be challenged it's worth noting that roe v wade was in '73.
dragonwriter 2y ago
And they were prohibited from considering genetic information by the Genetic Information Nondiscrimination Act before they were prohibited from considering preexisting conditions more generally by the Affordable Care Act.