How is the trade-off between adverse selection and discrimination risk affected by genetic testing? : theory and experiment

We compare two genetic testing regulations, Disclosure Duty (DD) and Consent Law (CL), in an environment where individuals choose to take a genetic test or not. DD forces agents to reveal the test results to their insurers, resulting in a discrimination risk. CL allows agents to withhold that inform...

Full description

Autores:
Bardey, David
Donder, Philippe De
Mantilla Ribero, César Andrés
Tipo de recurso:
Work document
Fecha de publicación:
2017
Institución:
Universidad de los Andes
Repositorio:
Séneca: repositorio Uniandes
Idioma:
spa
OAI Identifier:
oai:repositorio.uniandes.edu.co:1992/8681
Acceso en línea:
http://hdl.handle.net/1992/8681
Palabra clave:
Consent law
Disclosure duty
Personalized medicine
Test take up rate
Pooling health insurance contracts
Genética humana - Aspectos económicos
Consentimiento (Derecho)
Divulgación de información
C91, D82, I18
Rights
openAccess
License
http://creativecommons.org/licenses/by-nc-nd/4.0/
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spelling Al consultar y hacer uso de este recurso, está aceptando las condiciones de uso establecidas por los autores.http://creativecommons.org/licenses/by-nc-nd/4.0/info:eu-repo/semantics/openAccesshttp://purl.org/coar/access_right/c_abf2Bardey, Davideb5d55eb-0c4d-4330-b74c-b4e0ef0037ac500Donder, Philippe De031ebd18-dfe2-49fa-98a8-e5509968a0b5500Mantilla Ribero, César Andrés14d7ae14-9c67-4afe-91c0-221f2d6417cf5002018-09-27T16:55:49Z2018-09-27T16:55:49Z20171657-5334http://hdl.handle.net/1992/86811657-719110.57784/1992/8681instname:Universidad de los Andesreponame:Repositorio Institucional Sénecarepourl:https://repositorio.uniandes.edu.co/We compare two genetic testing regulations, Disclosure Duty (DD) and Consent Law (CL), in an environment where individuals choose to take a genetic test or not. DD forces agents to reveal the test results to their insurers, resulting in a discrimination risk. CL allows agents to withhold that information, generating adverse selection. We complement our model with an experiment. We obtain that a larger fraction of agents test under CL than under DD, and that the proportion of individuals preferring CL to DD is non-monotone in the test cost when adverse selection is set endogenously at its steady state level.Comparamos dos regulaciones de las pruebas genéticas, Disclosure Duty (DD) y Consent Law (CL), en un contexto en el cual los individuos escogen hacerse una prueba o no. DD obliga los individuos a revelar el resultado de la prueba a sus aseguradores, lo que crea una discriminación de los riesgos. CL permite a los individuos guardar esta información, lo que crea selección adversa. Complementamos nuestro modelo con un experimento. Obtenemos que una proporción más grande de individuos hace la prueba bajo CL que bajo DD, y que la proporción de individuos que prefieren CL a DD no es monótona con el costo de la prueba cuando la selección adversa se determina de manera endógena a su estado estacionario.33 páginasapplication/pdfspaUniversidad de los Andes, Facultad de Economía, CEDEDocumentos CEDE No. 23 Marzo de 2017https://ideas.repec.org/p/col/000089/015465.htmlHow is the trade-off between adverse selection and discrimination risk affected by genetic testing? : theory and experiment¿Cómo la tensión entre la selección adversa y la discriminación de los riesgos es afectada por las pruebas genéticas? : teoría y experimentoDocumento de trabajoinfo:eu-repo/semantics/workingPaperhttp://purl.org/coar/resource_type/c_8042http://purl.org/coar/version/c_970fb48d4fbd8a85Texthttps://purl.org/redcol/resource_type/WPConsent lawDisclosure dutyPersonalized medicineTest take up ratePooling health insurance contractsGenética humana - Aspectos económicosConsentimiento (Derecho)Divulgación de informaciónC91, D82, I18Facultad de EconomíaPublicationTHUMBNAILdcede2017-23.pdf.jpgdcede2017-23.pdf.jpgIM Thumbnailimage/jpeg11265https://repositorio.uniandes.edu.co/bitstreams/26a86a57-79cb-41d2-986a-45ebf1efc62f/download7886724fe33396e2b5843822eae0e73eMD55ORIGINALdcede2017-23.pdfdcede2017-23.pdfapplication/pdf3000913https://repositorio.uniandes.edu.co/bitstreams/6a907481-6772-4129-906f-b14d9110e6d2/downloadd53e1a08fc609641f64fc14cf5fda2e4MD51TEXTdcede2017-23.pdf.txtdcede2017-23.pdf.txtExtracted texttext/plain95216https://repositorio.uniandes.edu.co/bitstreams/3f3b0f58-1687-4391-b869-00a18862e557/download9bdd947c5c9533656b0d24469909eba4MD541992/8681oai:repositorio.uniandes.edu.co:1992/86812024-06-04 15:42:05.823http://creativecommons.org/licenses/by-nc-nd/4.0/open.accesshttps://repositorio.uniandes.edu.coRepositorio institucional Sénecaadminrepositorio@uniandes.edu.co
dc.title.none.fl_str_mv How is the trade-off between adverse selection and discrimination risk affected by genetic testing? : theory and experiment
dc.title.alternative.none.fl_str_mv ¿Cómo la tensión entre la selección adversa y la discriminación de los riesgos es afectada por las pruebas genéticas? : teoría y experimento
title How is the trade-off between adverse selection and discrimination risk affected by genetic testing? : theory and experiment
spellingShingle How is the trade-off between adverse selection and discrimination risk affected by genetic testing? : theory and experiment
Consent law
Disclosure duty
Personalized medicine
Test take up rate
Pooling health insurance contracts
Genética humana - Aspectos económicos
Consentimiento (Derecho)
Divulgación de información
C91, D82, I18
title_short How is the trade-off between adverse selection and discrimination risk affected by genetic testing? : theory and experiment
title_full How is the trade-off between adverse selection and discrimination risk affected by genetic testing? : theory and experiment
title_fullStr How is the trade-off between adverse selection and discrimination risk affected by genetic testing? : theory and experiment
title_full_unstemmed How is the trade-off between adverse selection and discrimination risk affected by genetic testing? : theory and experiment
title_sort How is the trade-off between adverse selection and discrimination risk affected by genetic testing? : theory and experiment
dc.creator.fl_str_mv Bardey, David
Donder, Philippe De
Mantilla Ribero, César Andrés
dc.contributor.author.none.fl_str_mv Bardey, David
Donder, Philippe De
Mantilla Ribero, César Andrés
dc.subject.keyword.none.fl_str_mv Consent law
Disclosure duty
Personalized medicine
Test take up rate
Pooling health insurance contracts
topic Consent law
Disclosure duty
Personalized medicine
Test take up rate
Pooling health insurance contracts
Genética humana - Aspectos económicos
Consentimiento (Derecho)
Divulgación de información
C91, D82, I18
dc.subject.armarc.none.fl_str_mv Genética humana - Aspectos económicos
Consentimiento (Derecho)
Divulgación de información
dc.subject.jel.none.fl_str_mv C91, D82, I18
description We compare two genetic testing regulations, Disclosure Duty (DD) and Consent Law (CL), in an environment where individuals choose to take a genetic test or not. DD forces agents to reveal the test results to their insurers, resulting in a discrimination risk. CL allows agents to withhold that information, generating adverse selection. We complement our model with an experiment. We obtain that a larger fraction of agents test under CL than under DD, and that the proportion of individuals preferring CL to DD is non-monotone in the test cost when adverse selection is set endogenously at its steady state level.
publishDate 2017
dc.date.issued.none.fl_str_mv 2017
dc.date.accessioned.none.fl_str_mv 2018-09-27T16:55:49Z
dc.date.available.none.fl_str_mv 2018-09-27T16:55:49Z
dc.type.spa.fl_str_mv Documento de trabajo
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dc.type.driver.spa.fl_str_mv info:eu-repo/semantics/workingPaper
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dc.identifier.issn.none.fl_str_mv 1657-5334
dc.identifier.uri.none.fl_str_mv http://hdl.handle.net/1992/8681
dc.identifier.eissn.none.fl_str_mv 1657-7191
dc.identifier.doi.none.fl_str_mv 10.57784/1992/8681
dc.identifier.instname.spa.fl_str_mv instname:Universidad de los Andes
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identifier_str_mv 1657-5334
1657-7191
10.57784/1992/8681
instname:Universidad de los Andes
reponame:Repositorio Institucional Séneca
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url http://hdl.handle.net/1992/8681
dc.language.iso.none.fl_str_mv spa
language spa
dc.relation.ispartofseries.none.fl_str_mv Documentos CEDE No. 23 Marzo de 2017
dc.relation.repec.spa.fl_str_mv https://ideas.repec.org/p/col/000089/015465.html
dc.rights.uri.*.fl_str_mv http://creativecommons.org/licenses/by-nc-nd/4.0/
dc.rights.accessrights.spa.fl_str_mv info:eu-repo/semantics/openAccess
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rights_invalid_str_mv http://creativecommons.org/licenses/by-nc-nd/4.0/
http://purl.org/coar/access_right/c_abf2
eu_rights_str_mv openAccess
dc.format.extent.none.fl_str_mv 33 páginas
dc.format.mimetype.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Universidad de los Andes, Facultad de Economía, CEDE
publisher.none.fl_str_mv Universidad de los Andes, Facultad de Economía, CEDE
institution Universidad de los Andes
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