Conversely, testing could be pursued hoping that a lower risk would be found that would reduce the high premiums established on the basis of a known family history of a genetic condition. As the research continues, increasing numbers of diseases will be found to have a genetic component. As more is understood about inherited risks, more persons could potentially enter the same risk category. This could eventually have a leveling effect or it could increase the numbers of persons excluded from private insurance. Persons with genetic conditions need to be especially aware of insurance limitations and exclusions as well as legislation that may protect them.
Efforts are currently underway to establish ways of preventing genetic discrimination in insurance.
For example, recommendations to protect against genetic discrimination have been developed for state and federal policy-makers that may be incorporated into legislation. Insurance providers should be prohibited from establishing differential rates or premium payments based on genetic information or an individual's request for genetic services. Insurance providers should be prohibited from requesting or requiring collection or disclosure of genetic information. Written authorization should be required for each disclosure and include to whom the disclosure would be made.