Question

Under what circumstances may a health insurer charge a higher premium to a woman with a genetic disposition to breast cancer?

A. She has breast cancer.
B. Her sister has breast cancer but she doesn't.
C. Her mother has breast cancer but she doesn't.
D. Health insurers can never discriminate based on genetic information in this way.

Answer 1

Health insurers can never discriminate based on genetic information in this way.

Answer 2

The answer is: D. Health insurers can never discriminate based on genetic information in this way.

In the past, the insurance companies indeed able to put higher premium on people with bad genetic disposition. But  in 2009, united states government enacted The Genetic Information Nondiscrimination Act.

This bill prevented the insurance companies to treat people differently based on genetic mutation that they have.