Genetic Adverse Selection

Healthcare Economist also links to a new NBER paper by Emily Oster, Ira Shoulson, Kimberly Quaid and E. Ray Dorsey on "Genetic Adverse Selection".

Excerpt from Abstract:

Individual, personalized genetic information is increasingly available, leading to the possibility of greater adverse selection over time, particularly in individual-payer insurance markets; ...individuals who carry the HD (Huntington's Disease) genetic mutation are up to 5 times as likely as the general population to own long-term care insurance... even relatively limited increases in genetic information may threaten the viability of private long-term care insurance.