Duke University, Durham, North Carolina, USA.
Health Aff (Millwood). 2010 Jan-Feb;29(1):102-8. doi: 10.1377/hlthaff.2009.0525.
A genetic marker known as apolipoprotein E provides a clear signal of a person's risk of developing Alzheimer's disease and thus that person's future need for long-term care. People who find that they have the variant of the trait that increases Alzheimer's disease risk are more likely to purchase long-term care insurance after receiving this information. If the information is widely introduced into the insurance market, coverage rates could be affected in different ways, depending on who possesses that information. Policymakers will eventually need to confront the issue of the use of this and other markers in the pricing of long-term care insurance.
一种被称为载脂蛋白 E 的遗传标记物为个体罹患阿尔茨海默病的风险提供了明确信号，也预示着该个体对长期护理的未来需求。那些发现自己具有增加阿尔茨海默病风险的特征变体的人，在收到这一信息后更有可能购买长期护理保险。如果该信息被广泛引入保险市场，那么根据谁拥有这些信息，保险覆盖范围可能会受到不同的影响。政策制定者最终将需要面对在长期护理保险定价中使用这种及其他标记物的问题。
