Worried Guy said:
"I don't want my genetic results ending up biting my kids in the butt when they apply for a job or insurance or medical insurance years from now. (Sadly, I can see that as a real possibility in the future)."Apparently he's right, and this is already something to be concerned about
. The first article below maintains that insurance companies, while banned by law from doing so with health insurance, are already using genetic information that they get ahold of to deny certain forms of insurance coverage to people.
From the article:
"Since 2008, with the passing of the Genetic Information Nondiscrimination Act (GINA), the federal government has barred health insurance companies from denying coverage to those with a gene mutation. But the law does not apply to life insurance companies, long-term care, or disability insurance. These companies can ask about health, family history of disease, or genetic information, and reject those that are deemed too risky."
“Our biggest concern is that people aren’t aware that this information can be used against them,” says Lisa Schlager, vice president of community affairs at FORCE, a nonprofit group that supports women with hereditary breast and ovarian cancer."
"Green expects that more patients will bow out of clinical studies and genetic tests as they become aware of the downsides."But on the brighter side:
"In the meantime, some genetic testing companies are taking steps to educate patients about their risks so they won’t be blindsided …"https://www.fastcompany.com/3055710/if-you-want-life-insurance-think-twice-before-getting-genetic-testingSurprisingly, the above article did not discuss the possibility that someday insurers might
require applicants to submit to genetic testing before issuing insurance to them, with all the complications from that which would follow.
But here's another article that
does address this question:
https://www.jrcinsurancegroup.com/does-genetic-testing-affect-life-insurance/https://lendedu.com/blog/insurance-companies-using-data-survey/From this second article:
"At least one insurer, the Northwestern Mutual Life Insurance Company, asks potential customers in Massachusetts about genetic testing, and stipulates that refusing to share results could lead to a declined application or an extra premium … At least for now, 12 other companies ask no explicit questions about genetic testing. But when Dr. Green asked company executives why not, he said, “at least one of them has told me, ‘We would do this, but we don’t want to be the first.’” And:
"While lower costs for the technology behind genetic testing might benefit consumers wishing to uncover their dangers, we’d be foolish to think that insurance companies don’t have their eyes on scalability and viability in terms of potentially making genetic testing an application requirement at some point down the line."But in the meantime maybe it's a good idea to think twice about
generating genetic information about
oneself, for the reasons discussed above.