Monday, April 28, 2008

The Genetic Discrimination Bill Shows Us Just How Hard Health Care Reform Can Be

About 1990, I was a member of something called the Task Force on Genetic Testing at the then Health Insurance Association of America (HIAA). The health insurance industry realized that, with the Human Genome Project in its early stages, we weren't far away from genetics being a part of everyday health care and the Orwellian implications on us as insurance underwriters were not lost.

The task was to think about all of this and develop an industry policy for dealing with it.

Here's the headline: In 1990, there was agreement among the many insurance executives on the panel that it should never be the insurance industry's policy to use genetic information to underwrite or otherwise use the information in a way that disadvantaged the people we either insured or could insure.

So, 18 years later, the news that the Senate has passed a genetic non-discrimination bill by a unanimous vote and we are a week or two from the House approving, and the President signing, a bill to outlaw the use of genetic information for the purpose of underwriting was notable. The bill would also prohibit an insurer from forcing someone to take a genetic test and using that information to limit their coverage and it would prohibit an employer from using the information in the workplace.

In fact, to my knowledge, in these 18 years there has not been an example of a health insurance plan using genetic information for any of these things.

The good news is that we are about to have a bill prohibiting the use of genetic testing for insurance or employment discrimination so no one can ever use it for these purposes.

The bad news is it took 18 years to do something that was obvious and the insurance industry never objected to in principal. There were tangential disagreements about how such a law could create a new protected class and therefore increase the number of lawsuits in the workplace.

The implication for health care reform is that if it takes 18 years to do the easy things you can understand why it is taking so long to do the hard ones.


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