Letting insurance companies have access to these results gives them a better chance to determine the cost of one’s health insurance. Insurance companies have the right to differentiate premiums on the level of risk each applicant has (Morris, 2010). Having access to genetic testing allows them to be much more fair, as most of the time, insurance companies have to look at family history. This can be skewed, because your family members having a genetic disorder doesn’t automatically make you have it, even if most of your family members get it. This can cause someone who doesn’t have a genetic disorder having to pay more because their family has a history of a certain genetic disorder.
Insurance companies who have genetic testing results can help give people much fairer prices on health insurance. People who may need more out of their health insurance, should pay more than those who don’t need much out of their health insurance. Sure these people don’t choose to have genetic disorders, but if you get in multiple car accidents, even if it’s not your fault, your insurance gets higher. Car insurance for those who get into more accidents, or have a bad driving
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It’s a big concern since, many people don’t get genetic testing due to the fear of being denied insurance (Sales, 2017). Those who are at risk for genetic disorders also go to great lengths to get insurance (Sales, 2017). One person who did is, Sarah Dillon, she removed not only her breast but ovaries in hopes to get insurance, as she was at risk for a genetic mutation that caused breast and ovarian cancer (Sales, 2017). However, the GINA (Genetic Information Nondiscrimination Act) prohibits employers and health insurance companies from denying jobs or coverage based on an individual's DNA (Wright, 2009). It’s now against the law to deny one insurance due to their DNA (Wright