What do you think? Should laws exist to prevent health insurance companies or employers from discriminating based on genetics?
It is like any other part of my medical history that they have access to. Of course, I think I should have to give them permission to see this information, but they can choose to do with it as they please after that. If an insurance company weren't allowed to charge different rates or even deny coverage based on your medical history they could all go bankrupt as people just diagnosed with cancer (as an example) could come in and sign up. As someone with a congenital heart defect I constantly worry about employers and/or insurance discriminating against me, but I would be willing to pay the difference if they asked. My biggest fear would be getting denied a job because of something I couldn't help, but it is their business.
My mother and I disagree on how I should handle the situation of looking for jobs. She is of the opinion I should hide any sign of it until I have the job and am secured in my position. I have two issues with this: 1) I would be being dishonest, especially since applications ask if I have any physical limitations. I can't do heavy lifting or work outdoors due to the stress. 2) I can't find a job with the benefits I need if I don't ask. No one hands you the benefits booklet in the interview or application process, unless you ask. Taking a job will be pointless unless it has healthcare benefits (or the salary to pay for them) that will cover my needs. I can't afford bills in the tens of thousands of dollars every few years.
So, I basically list my medical condition on the application if they ask about physical limitations and then in the interview I ask about their healthcare benefits when they ask if I have any questions. I will take small pay with decent healthcare over a high paying job with none.
Now, if I ran an insurance company I would pay for potential parents to have the genetic testing done and the genetic correction. It would total ~$30,000 to ensure they have a healthy baby. Parents who do this would receive our lowest cost for covering a child, as they are the lowest liability. Parents with no history that refuse testing get a low-medium cost to cover their child. Parents with a history, but refuse a test get a medium-high cost to cover a child. The parents that test and the child will be prone, but refuse alteration get the highest cost.
I would grandfather in any children already born or conceived before the new rules under the old rules, but all future children must meet the new standards.
Then I would definitely advertise this fact. We are the company that will pay to help you guarantee a healthy child. For that we will give you discounts until that child becomes independent and then they will receive discounts as adults from us as well.
For $30,000 you are essentially setting up a low liability, lifetime customer.