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	<title>Genes 2 Brains 2 Mind 2 Me &#187; Health insurance</title>
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	<description>Me and my A&#039;s G&#039;s T&#039;s &#38; C&#039;s ... what&#039;s the connection?</description>
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		<title>Genes 2 Brains 2 Mind 2 Me &#187; Health insurance</title>
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		<title>Will consumers and insurance companies be able to screw each other with access to personal genomes?</title>
		<link>http://genes2brains2mind2me.com/2012/02/04/will-consumers-and-insurance-companies-be-able-to-screw-each-other-with-access-to-personal-genomes/</link>
		<comments>http://genes2brains2mind2me.com/2012/02/04/will-consumers-and-insurance-companies-be-able-to-screw-each-other-with-access-to-personal-genomes/#comments</comments>
		<pubDate>Sat, 04 Feb 2012 01:11:52 +0000</pubDate>
		<dc:creator>dendrite</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Genetic testing]]></category>
		<category><![CDATA[Health insurance]]></category>
		<category><![CDATA[Personalized medicine]]></category>

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		<description><![CDATA[Perhaps just a little bit.  One Law Professor&#8217;s experience. &#8220;As it happens, &#8230; It turned out that I had a genetic variant that implied a moderately increased risk of meningioma, the second most common type of brain tumor. The information came a little late to be useful. Last summer, &#8230; found me half conscious on [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=genes2brains2mind2me.com&amp;blog=6422508&amp;post=3838&amp;subd=genes2brains2mentalhealth&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Perhaps just a little bit.  <a href="http://thehealthcareblog.com/blog/2012/02/03/genetic-testing-and-insurance-one-datum/" target="_blank">One Law Professor&#8217;s experience</a>.</p>
<blockquote><p>&#8220;As it happens, &#8230; It turned out that I had a genetic variant that implied a moderately increased risk of meningioma, the second most common type of brain tumor.</p>
<p>The information came a little late to be useful. Last summer, &#8230; found me half conscious on the floor. The diagnosis at the local hospital was meningioma, a benign (i.e. non-cancerous) tumor inside my skull but fortunately outside my brain.&#8221;</p></blockquote>
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		<title>Healthcare debate: Al Franken at his grass roots best</title>
		<link>http://genes2brains2mind2me.com/2009/09/06/healthcare-debtate-al-franken-at-his-grass-roots-best/</link>
		<comments>http://genes2brains2mind2me.com/2009/09/06/healthcare-debtate-al-franken-at-his-grass-roots-best/#comments</comments>
		<pubDate>Sun, 06 Sep 2009 17:06:06 +0000</pubDate>
		<dc:creator>dendrite</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[Health insurance]]></category>

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		<description><![CDATA[Al Franken ably handles a &#8220;taxed enough already&#8221; crowd on healthcare debate topics &#8230; democratic process at its best &#8230; the frontrow presence of a 90 y.o. lady draws some focus on how young folks resent being saddled with future debt to pay for current payouts &#8211; no one seems to take note or care [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=genes2brains2mind2me.com&amp;blog=6422508&amp;post=1080&amp;subd=genes2brains2mentalhealth&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Al Franken ably handles a &#8220;taxed enough already&#8221; crowd on healthcare debate topics &#8230; democratic process at its best &#8230; the frontrow presence of a 90 y.o. lady draws some focus on how young folks resent being saddled with future debt to pay for current payouts &#8211; no one seems to take note or care that she is there.  <em>Go Senator Al!</em><br />
<span style="text-align:center; display: block;"><a href="http://genes2brains2mind2me.com/2009/09/06/healthcare-debtate-al-franken-at-his-grass-roots-best/"><img src="http://img.youtube.com/vi/SCNs7Zpqo98/2.jpg" alt="" /></a></span></p>
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		<title>echoblog: Top healthcare economists frame long-term debate(s) now and to come</title>
		<link>http://genes2brains2mind2me.com/2009/08/27/echoblog-top-healthcare-economists-frame-long-term-debates-now-and-to-come/</link>
		<comments>http://genes2brains2mind2me.com/2009/08/27/echoblog-top-healthcare-economists-frame-long-term-debates-now-and-to-come/#comments</comments>
		<pubDate>Thu, 27 Aug 2009 00:26:27 +0000</pubDate>
		<dc:creator>dendrite</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[Health 2.0]]></category>
		<category><![CDATA[Health insurance]]></category>

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		<description><![CDATA[Image by wstera2 via Flickr pointer to: Bloomberg Economics Radio &#8211; two top healthcare economics experts amicably discuss (.mp3) the current reform efforts &#8211; both agree the mendacity and outright lies are deeply poisoning the debate. The first main issue is the so-called &#8220;uninsured issue&#8221; which most other countries have resolved (simply, everyone deserves to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=genes2brains2mind2me.com&amp;blog=6422508&amp;post=1058&amp;subd=genes2brains2mentalhealth&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<div class="zemanta-img" style="display:block;margin:1em;">
<div>
<dl class="wp-caption alignleft">
<dt class="wp-caption-dt"><a href="http://www.flickr.com/photos/13836188@N04/3366765044"><img title="If You think Healthcare is Expensive Now!" src="http://farm4.static.flickr.com/3471/3366765044_c524b456e8_m.jpg" alt="If You think Healthcare is Expensive Now!" width="240" height="78" /></a></dt>
<dd class="wp-caption-dd zemanta-img-attribution">Image by <a href="http://www.flickr.com/photos/13836188@N04/3366765044">wstera2</a> via Flickr</dd>
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<p><em><span style="color:#666699;">pointer to:</span></em> Bloomberg Economics Radio &#8211; two top <a href="http://media.bloomberg.com/bb/avfile/Economics/On_Economy/vAyK3zmzIVH0.mp3" target="_blank">healthcare economics experts amicably discuss (.mp3)</a> the current reform efforts &#8211; <em>both agree the mendacity and outright lies are deeply poisoning the debate.</em> The first main issue is the so-called &#8220;uninsured issue&#8221; which most other countries have resolved (<em>simply, everyone deserves to be and is covered</em>) which they see as resolvable through public-private and/or private-exchanges for the 20-25 million folks who cannot afford coverage &#8211; at little or no extra cost to the tax payer.  The much larger ($trillions$) question remains how to <span style="color:#0000ff;">keep up</span> with good medical care and <span style="color:#0000ff;">keep down</span> costs. Both agree that incentives to physicians that promote the use of <a class="zem_slink" title="Evidence-based medicine" rel="wikipedia" href="http://en.wikipedia.org/wiki/Evidence-based_medicine">evidence-based</a> practices &#8211; rather than fee-for-procedure would accomplish this.  However, both see this as a VERY long-term debate that will progress incrementally in the decades to come.  Certainly the <a href="http://www.health2con.com/" target="_blank">health 2.0 movement</a> will transform this conversation in the decades to come.</p>
<p>A welcome respite of scholarship and collegial respect amidst the rising demagoguery in the heartland.  Related posts <a href="http://genes2brains2mentalhealth.wordpress.com/2009/05/13/evidence-based-medicine-to-contain-healthcare-costs/" target="_blank">here</a> and <a href="http://genes2brains2mentalhealth.wordpress.com/2008/12/12/healthcare-spending-as-an-economic-stimulus/" target="_blank">here</a>.</p>
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<enclosure url="http://media.bloomberg.com/bb/avfile/Economics/On_Economy/vAyK3zmzIVH0.mp3" length="14111976" type="audio/mpeg" />
	
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			<media:title type="html">If You think Healthcare is Expensive Now!</media:title>
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		<title>echoblog: Esther Dyson promotes Health 2.0 in the FT</title>
		<link>http://genes2brains2mind2me.com/2009/08/13/echoblog-esther-dyson-promotes-health-2-0-in-the-ft/</link>
		<comments>http://genes2brains2mind2me.com/2009/08/13/echoblog-esther-dyson-promotes-health-2-0-in-the-ft/#comments</comments>
		<pubDate>Thu, 13 Aug 2009 00:01:25 +0000</pubDate>
		<dc:creator>dendrite</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Health 2.0]]></category>
		<category><![CDATA[Health care]]></category>
		<category><![CDATA[Health insurance]]></category>

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		<description><![CDATA[Image by rexhammock via Flickr pointer to: Information technology investor and member of the pioneering &#8220;PGP-10&#8243; personal genome volunteer Esther Dyson has a great article on the Health 2.0 movement in &#8211; the mainstream of all mainstream media &#8211; the Financial Times.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=genes2brains2mind2me.com&amp;blog=6422508&amp;post=1001&amp;subd=genes2brains2mentalhealth&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<div class="zemanta-img" style="display:block;margin:1em;">
<div>
<dl class="wp-caption alignleft">
<dt class="wp-caption-dt"><a href="http://www.flickr.com/photos/41894170584@N01/474055484"><img title="Esther Dyson" src="http://farm1.static.flickr.com/230/474055484_c9c5d4ff1c_m.jpg" alt="Esther Dyson" width="240" height="206" /></a></dt>
<dd class="wp-caption-dd zemanta-img-attribution">Image by <a href="http://www.flickr.com/photos/41894170584@N01/474055484">rexhammock</a> via Flickr</dd>
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<p><span style="color:#888888;"><em>pointer to:</em></span> <a href="http://www.scribemedia.org/2008/08/06/esther-dyson-on-health/" target="_blank">Information technology investor</a> and member of the <a href="http://www.personalgenomes.org/pgp10.html" target="_blank">pioneering &#8220;PGP-10&#8243;</a> personal genome volunteer <a class="zem_slink" title="Esther Dyson" rel="wikipedia" href="http://en.wikipedia.org/wiki/Esther_Dyson">Esther Dyson</a> has a <a href="http://www.ft.com/cms/s/0/adfbf490-876e-11de-9280-00144feabdc0.html?nclick_check=1" target="_blank">great article on the Health 2.0 movement</a> in &#8211; the mainstream of all mainstream media &#8211; the <a class="zem_slink" title="Financial Times" rel="homepage" href="http://www.ft.com/">Financial Times</a>.</p>
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			<media:title type="html">Esther Dyson</media:title>
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		<title>Yeah, healthcare 1.0 reform is a clusterf**k</title>
		<link>http://genes2brains2mind2me.com/2009/08/07/yeah-healthcare-1-0-reform-is-a-clusterfk/</link>
		<comments>http://genes2brains2mind2me.com/2009/08/07/yeah-healthcare-1-0-reform-is-a-clusterfk/#comments</comments>
		<pubDate>Fri, 07 Aug 2009 19:08:51 +0000</pubDate>
		<dc:creator>dendrite</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[Health insurance]]></category>

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		<description><![CDATA[Image by arbyreed via Flickr Was sort of holding my breath with fingers and toes crossed these past few weeks, but now am given up.  Much like team Obama&#8217;s efforts to regulate the financial services industry (only slightly less of a clusterf**k than healthcare), its a slow motion trainwreck where the average taxpayer just ends [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=genes2brains2mind2me.com&amp;blog=6422508&amp;post=965&amp;subd=genes2brains2mentalhealth&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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<dt class="wp-caption-dt"><a href="http://www.flickr.com/photos/19779889@N00/1560536183"><img title="Passing the Wreckage" src="http://farm3.static.flickr.com/2255/1560536183_4c879fdba0_m.jpg" alt="Passing the Wreckage" width="240" height="160" /></a></dt>
<dd class="wp-caption-dd zemanta-img-attribution">Image by <a href="http://www.flickr.com/photos/19779889@N00/1560536183">arbyreed</a> via Flickr</dd>
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<p>Was sort of holding my breath with fingers and toes crossed these past few weeks, but now am given up.  Much like team Obama&#8217;s efforts to regulate the financial services industry (only slightly less of a clusterf**k than healthcare), <span style="color:#008000;"><a href="http://www.fivethirtyeight.com/2009/08/health-care-bill-has-little-margin-for.html" target="_blank">its a slow motion trainwreck where </a></span>the average taxpayer just ends up worseoff after all the political concessions.  Seems like the very folks who are most vocal are the ones who&#8217;d rather not change a thing.</p>
<p>This is my take on the doublespeak within the beltway:</p>
<p>BUSINESS: We <a href="http://www.washingtonpost.com/wp-dyn/articles/A64599-2005Apr18.html" target="_blank">are being crushed</a> by rising healthcare costs.</p>
<p>INSURANCE: We only <a href="http://finapps.forbes.com/finapps/jsp/finance/compinfo/Ratios.jsp?tkr=aet" target="_blank">make a nickel on every $1 we pay out </a>to doctors, and they are always raising their fees.</p>
<p>DOCTORS: We&#8217;re <a href="http://www.washingtonpost.com/wp-dyn/content/article/2008/10/10/AR2008101002679.html" target="_blank">forced to treat the growing ranks of uninsured</a> and must shoulder the burden when they cannot pay.</p>
<p><span style="color:#0000ff;"><em>OK, so lets try to expand medicare and design a wider government managed plan&#8230;</em></span></p>
<p>BUSINESS: We can&#8217;t afford the <a href="http://www.ahip.org/default.aspx" target="_blank">higher taxes to pay for universal care and our employees don&#8217;t want to give up the plans they have</a>.</p>
<p>INSURANCE: We <a href="http://www.washingtonpost.com/wp-dyn/content/article/2009/06/19/AR2009061902334.html" target="_blank">don&#8217;t want to compete with the government-run plan</a> since it will undercut ours.</p>
<p>DOCTORS:  We don&#8217;t want &#8220;<a class="zem_slink" title="Evidence-based medicine" rel="wikipedia" href="http://en.wikipedia.org/wiki/Evidence-based_medicine">evidence-based medicine</a>&#8221; and to be told by the government what we can do and how much we can charge &#8211; we like our <a href="http://hcrenewal.blogspot.com/2009/06/letter-from-ruc-and-my-reply.html" target="_blank">perverse incentives</a>!</p>
<p>And don&#8217;t forget about Mr. and Mrs. middle-class USA who want top-o-the-line care but <a href="http://www.realclearpolitics.com/articles/2009/06/28/a_fix_well_likely_regret_97207.html" target="_blank">don&#8217;t want to pay more than they did in the 1960&#8242;s</a>.</p>
<p><strong><span style="color:#666699;">What a total bust.</span></strong> I think the <a href="http://www.health2con.com/" target="_blank"><strong>Health 2.0 movement</strong></a> is doing something really interesting &#8211; <a href="http://www.andykessler.com/andy_kessler/2009/07/forb.html" target="_blank">outside the system</a> &#8211; and also very key &#8211; something that can <a href="http://www.marginalrevolution.com/marginalrevolution/2009/08/what-is-progressivism-1.html" target="_blank">elevate the most needy, uninsured members of society to the forefront</a>.</p>
<p>No more dwelling on the wreckage.  On to strategies that help.  More science &amp; more Health 2.0!</p>
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			<media:title type="html">Passing the Wreckage</media:title>
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		<title>Joe Pantoliano: &#8220;Insurance will cover my heart but not my brain?&#8221;</title>
		<link>http://genes2brains2mind2me.com/2009/07/07/joe-pantoliano-insurance-will-cover-my-heart-but-not-my-brain/</link>
		<comments>http://genes2brains2mind2me.com/2009/07/07/joe-pantoliano-insurance-will-cover-my-heart-but-not-my-brain/#comments</comments>
		<pubDate>Tue, 07 Jul 2009 00:44:46 +0000</pubDate>
		<dc:creator>dendrite</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Health insurance]]></category>

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		<description><![CDATA[Image via Wikipedia Just discovered FORA.tv media channel &#8211; happened on this discussion with Joe Pantoliano on his advocacy for mental illness.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=genes2brains2mind2me.com&amp;blog=6422508&amp;post=804&amp;subd=genes2brains2mentalhealth&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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<dt class="wp-caption-dt"><a href="http://commons.wikipedia.org/wiki/Image:JoePantolianonavy.jpg"><img title="050527-N-7695R-006 New York City - Actor Joe P..." src="http://upload.wikimedia.org/wikipedia/commons/thumb/5/5d/JoePantolianonavy.jpg/300px-JoePantolianonavy.jpg" alt="050527-N-7695R-006 New York City - Actor Joe P..." width="300" height="479" /></a></dt>
<dd class="wp-caption-dd zemanta-img-attribution">Image via <a href="http://commons.wikipedia.org/wiki/Image:JoePantolianonavy.jpg">Wikipedia</a></dd>
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<p>Just discovered <strong>FORA.tv</strong> media channel &#8211; happened on <a href="http://fora.tv/2009/02/02/Joe_Pantoliano_at_the_Hudson_Union_Society#Actor_Joe_Pantoliano_Speaks_Out_for_Mental_Health_Care" target="_blank">this discussion with Joe Pantoliano</a> on his advocacy for mental illness.</p>
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		<title>echoblog: Declaration of Health Data Rights</title>
		<link>http://genes2brains2mind2me.com/2009/06/23/echoblog-declaration-of-health-data-rights/</link>
		<comments>http://genes2brains2mind2me.com/2009/06/23/echoblog-declaration-of-health-data-rights/#comments</comments>
		<pubDate>Tue, 23 Jun 2009 19:04:01 +0000</pubDate>
		<dc:creator>dendrite</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Health care]]></category>
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		<description><![CDATA[Image by Scooter Flix via Flickr pointer to &#8212; Dr. John Grohol, the CEO and founder of Psych Central, has a great post &#8220;You have the right to your health data&#8221; and introduces the Declaration of Health Data Rights,  a simple statement of fundamental patient rights.  Check it out and endorse!<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=genes2brains2mind2me.com&amp;blog=6422508&amp;post=781&amp;subd=genes2brains2mentalhealth&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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<dt class="wp-caption-dt"><a href="http://www.flickr.com/photos/26112669@N00/2634470627"><img title="Declaration Of Indepenence" src="http://farm4.static.flickr.com/3259/2634470627_e4eb9ea0e1_m.jpg" alt="Declaration Of Indepenence" width="240" height="180" /></a></dt>
<dd class="wp-caption-dd zemanta-img-attribution">Image by <a href="http://www.flickr.com/photos/26112669@N00/2634470627">Scooter Flix</a> via Flickr</dd>
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<p><em><span style="color:#999999;">pointer to &#8212;</span></em> Dr. John Grohol, the CEO and founder of Psych Central, has a great <a href="http://psychcentral.com/blog/archives/2009/06/22/you-have-the-right-to-your-health-data/" target="_blank">post &#8220;You have the right to your health data&#8221;</a> and introduces the <a href="http://www.healthdatarights.org/home" target="_blank"><strong>Declaration of Health Data Rights</strong></a>,  a simple statement of fundamental patient rights.  Check it out and endorse!</p>
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			<media:title type="html">Declaration Of Indepenence</media:title>
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		<title>echoblog: Handicapping the politics (cashflow) of healthcare reform</title>
		<link>http://genes2brains2mind2me.com/2009/06/23/echoblog-handicapping-the-politics-cashflow-of-healthcare-reform/</link>
		<comments>http://genes2brains2mind2me.com/2009/06/23/echoblog-handicapping-the-politics-cashflow-of-healthcare-reform/#comments</comments>
		<pubDate>Tue, 23 Jun 2009 09:18:44 +0000</pubDate>
		<dc:creator>dendrite</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[economics]]></category>
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		<description><![CDATA[Image by spike55151 via Flickr Just a pointer to an amazing analysis on the politics of moving forward with a more comprehensive government sponsored healthcare option.  Sadly, but not surprisingly, the flow of lobbying funds predicts who will vote to maintain the status quo.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=genes2brains2mind2me.com&amp;blog=6422508&amp;post=779&amp;subd=genes2brains2mentalhealth&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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<dt class="wp-caption-dt"><a href="http://www.flickr.com/photos/20561948@N00/3415865011"><img title="HEALTHCARE FOR ALL" src="http://farm4.static.flickr.com/3414/3415865011_84210c510c_m.jpg" alt="HEALTHCARE FOR ALL" width="240" height="180" /></a></dt>
<dd class="wp-caption-dd zemanta-img-attribution">Image by <a href="http://www.flickr.com/photos/20561948@N00/3415865011">spike55151</a> via Flickr</dd>
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<p>Just a pointer to <a href="http://www.fivethirtyeight.com/2009/06/special-interest-money-means-longer.html" target="_blank">an amazing analysis on the politics of</a> moving forward with a more comprehensive government sponsored healthcare option.  Sadly, but not surprisingly, the flow of lobbying funds predicts who will vote to maintain the status quo.</p>
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			<media:title type="html">HEALTHCARE FOR ALL</media:title>
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		<title>Timothy Stoltzfus Jost nails consumer-driven healthcare in a pre-health2.0 kind of way</title>
		<link>http://genes2brains2mind2me.com/2007/09/23/timothy-stoltzfus-jost-nails-consumer-driven-healthcare-in-a-pre-health20-kind-of-way/</link>
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		<pubDate>Sun, 23 Sep 2007 19:45:20 +0000</pubDate>
		<dc:creator>dendrite</dc:creator>
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		<description><![CDATA[There is no doubt that -omics and digital-bio is improving healthcare, IF, you&#8217;re NOT one of the 50 million uninsured human beings in America who lack health insurance. As a fan of all things free-and-open, bioinformatic and health2.0, I was glad to read Timothy Stoltzfus Jost &#8216;s new book, Health Care at Risk: A Critique [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=genes2brains2mind2me.com&amp;blog=6422508&amp;post=57&amp;subd=genes2brains2mentalhealth&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>There is no doubt that -omics and digital-bio is improving healthcare, <strong>IF, you&#8217;re NOT </strong>one of the 50 million <a class="zem_slink" title="Health care in the United States" rel="wikipedia" href="http://en.wikipedia.org/wiki/Health_care_in_the_United_States">uninsured</a> human beings in America who lack health insurance.  As a fan of all things free-and-open, bioinformatic and health2.0, I was glad to read Timothy Stoltzfus Jost &#8216;s new book, <a href="http://www.amazon.com/Health-Care-Risk-Critique-Consumer-Driven/dp/0822341247/ref=sr_1_1/002-3321537-4141668?ie=UTF8&amp;s=books&amp;qid=1192798260&amp;sr=1-1" target="_blank">Health Care at Risk: A Critique of the Consumer-Driven Movement</a>.   A review of the historical and economic foundations of the so-called &#8216;consumer-driven healthcare&#8217; movement which is well underway (<a href="http://www.health08.org/sidebyside.cfm" target="_blank">supported by leading candidates from both parties</a>), Jost unpacks inefficiencies inherent to both private insurance systems (<a class="zem_slink" title="Adverse selection" rel="wikipedia" href="http://en.wikipedia.org/wiki/Adverse_selection">adverse selection</a> &#8211; <em>&#8216;sick people need NOT apply&#8217;</em>) and to public systems (<a class="zem_slink" title="Moral hazard" rel="wikipedia" href="http://en.wikipedia.org/wiki/Moral_hazard">moral hazard</a> and demand inducement &#8211; <em>&#8216;hey dude, pass the twinkies and cigarettes, &#8211; no worries, I&#8217;ll just rely on my free healthcare&#8217;</em>).   The main arguments, from Jost, that stuck with me, are that the consumer-directed system, as it stands today, is one that is skewed to address the moral hazard conundrum, and this is not likely to resolve much of the current economic crisis since healthcare spending is distributed very asymmetrically (a tiny fraction of very sick people account for most of spending).   Indeed, Jost suggests the current consumer-directed healthcare movement (pass off the first $5,000 spending to the consumer) is likely to make matters worse before they get better.   While sobering, the book may prompt a redoubling of the focus of the many free-and-open bioinformatic and health2.0 efforts working to enhance care and access for all.</p>
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		<title>GINA and the death of health insurance ?</title>
		<link>http://genes2brains2mind2me.com/2007/07/07/gina-and-the-death-of-health-insurance/</link>
		<comments>http://genes2brains2mind2me.com/2007/07/07/gina-and-the-death-of-health-insurance/#comments</comments>
		<pubDate>Sat, 07 Jul 2007 19:19:18 +0000</pubDate>
		<dc:creator>dendrite</dc:creator>
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		<description><![CDATA[Image by Steve Rhodes via Flickr I much enjoyed the recent article, &#8220;Do Not Ask or Do Not Answer&#8221; in the August 25th Economist. As genetic data begins to trickle into the hands of consumers, the debate on genetic privacy grows more intense. On the one hand, the article notes that the SRY gene has [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=genes2brains2mind2me.com&amp;blog=6422508&amp;post=30&amp;subd=genes2brains2mentalhealth&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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<dt class="wp-caption-dt"><a href="http://www.flickr.com/photos/44124466908@N01/2595621525"><img title="Health care for all protest outside health ins..." src="http://farm4.static.flickr.com/3047/2595621525_e1e8cc14db_m.jpg" alt="Health care for all protest outside health ins..." width="160" height="240" /></a></dt>
<dd class="wp-caption-dd zemanta-img-attribution">Image by <a href="http://www.flickr.com/photos/44124466908@N01/2595621525">Steve Rhodes</a> via Flickr</dd>
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<p>I much enjoyed the recent article, &#8220;Do Not Ask or Do Not Answer&#8221; in the August 25th <a href="http://www.economist.com/" target="_blank">Economist</a>.  As genetic data begins to trickle into the hands of consumers, the debate on genetic privacy grows more intense.  On the one hand, the article notes that the <em>SRY</em> gene has long been used to price insurance (its the gene that determines the male vs. female pathway during embryonic development &#8211; sorry males) and that a look at one&#8217;s parents and siblings gives a fairly decent sense of one&#8217;s genetic liabilities.  On the other hand, the article notes a study showing that folks who find they carry a potent Alzheimer&#8217;s risk gene are more likely to purchase extra <a class="zem_slink" title="Health insurance" rel="wikipedia" href="http://en.wikipedia.org/wiki/Health_insurance">health insurance</a> &#8211; thus out-gaming the <a class="zem_slink" title="Insurance" rel="wikipedia" href="http://en.wikipedia.org/wiki/Insurance">insurance industry</a> to their discontent.  Both hands having acknowledged the disconnect, the article turns to the search for new financial strategies for the future when consumers possess detailed knowledge of their own genomes (speaking of which, take a moment to <a href="http://jimwatsonsequence.cshl.edu/cgi-perl/gbrowse/jwsequence/" target="_blank">browse Jim Watson&#8217;s genome</a>).  Some of the solutions noted were a form of compulsory <a class="zem_slink" title="Universal health care" rel="wikipedia" href="http://en.wikipedia.org/wiki/Universal_health_care">universal coverage</a> where neither side can outgame the other, HSA&#8217;s where out-of-pocket expenses are paid from individual tax free investment account and other new business models such as provided by <a href="http://www.redbrickhealth.com/" target="_blank">RedBrick Health</a> where benefits are maximized by optimizing participants behavior.  The science is moving fast.  Will the health insurance markets keep up?</p>
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