Genetic testing for Alzheimer's disease and its impact on insurance purchasing behavior.

TitleGenetic testing for Alzheimer's disease and its impact on insurance purchasing behavior.
Publication TypeJournal Article
Year of Publication2005
AuthorsZick, C. D., Mathews, C. J., Roberts, J. S., Cook-Deegan, R., Pokorski, R. J., & Green, R. C.
JournalHealth affairs (Project Hope)
Volume24
Issue2
Pagination483-90
Date Published2005 Mar-Apr
ISSN0278-2715
KeywordsAlzheimer Disease, Apolipoproteins E, Confidentiality, Female, Genetic Testing, Humans, Insurance, Long-Term Care, Male, Middle Aged, Risk Assessment, United States
Abstract

New genetic tests for adult-onset diseases raise concerns about possible adverse selection in insurance markets. To test for this behavior, we followed 148 cognitively normal people participating in a randomized clinical trial of genetic testing for Alzheimer's disease for one year after risk assessment and Apolipoprotein E (APOE) genotype disclosure. Although no significant differences were found in health, life, or disability insurance purchases, those who tested positive were 5.76 times more likely to have altered their long-term care insurance than those who did not receive APOE genotype disclosure. If genetic testing for Alzheimer's risk assessment becomes common, it could trigger adverse selection in long-term care insurance.

Alternate JournalHealth Aff (Millwood)