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Médecine personnalisée, tests génétiques et assurance santé : une tension exacerbée entre antisélection et discrimination des risques

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  • David Bardey
  • Philippe de Donder

Abstract

Weare currently witnessing the emergence of personalized medicine, defined as the use of genetic information to better tailor individual diagnostic, prevention and treatment decisions. These medical and technological advances make it necessary to think through their consequences on health insurance markets. One major decision consists in deciding whether the information generated by genetic tests should be shared with health insurers. This article first discusses the economic consequences of such a sharing of genetic information: risk discrimination if the information is not shared, and adverse selection if it is. We then discuss four different types of regulation of genetic information which are used around the world. We then present the main results of a recent study we have undertaken, which compares (using both a theoretical and an experimental viewpoint) two such regulations. We conclude with a few suggestions for further research. Classification JEL : C91, D82, G22, I18.

Suggested Citation

  • David Bardey & Philippe de Donder, 2017. "Médecine personnalisée, tests génétiques et assurance santé : une tension exacerbée entre antisélection et discrimination des risques," Revue d'économie financière, Association d'économie financière, vol. 0(2), pages 201-212.
    • Handle: RePEc:cai:refaef:ecofi_126_0201
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    JEL classification:

    • C91 - Mathematical and Quantitative Methods - - Design of Experiments - - - Laboratory, Individual Behavior
    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health

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