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Health insurance companies could sequence every random bit of DNA in a given area, and then raise premiums in zip codes with higher than average rates of congen
by jl6 1y ago
Health insurance companies could sequence every random bit of DNA in a given area, and then raise premiums in zip codes with higher than average rates of congenital disease. Of course, that would be totally unethical and illegal, so they’d just buy a set of risk data from a reputable company that worked out their risk scores somehow (how? Who knows? Best not to ask).
- robwwilliams 1y agoTotally impractical too. The entire point if insurance from the company’s point of view is to fine-tune the policy and pick and choose at the level of individuals. How many cigarettes you smoke and your mean blood glucose level way more actionable.
- pyuser583 1y agoHealth insurance almost always deals in group policies. Not much chance to pick and choose individuals. Anyone seeking health insurance is probably a bad risk. Thus the groups.