Slashdot Mirror


100,000 Californians To Be Gene Sequenced

eldavojohn writes "A hundred thousand elderly Californians (average age 65) will be gene sequenced by the state using samples of their saliva. This will be the first time such a large group has had their genes sequenced, and it is hoped to be a goldmine for genetic maladies — from cardiovascular diseases to diabetes to even the diseases associated with aging. Kaiser Permanente patients will be involved, and they are aiming to have half a million samples ready by 2013. Let's hope that they got permission from the patients' doctors first."

176 comments

  1. Damned sure glad... by jamstar7 · · Score: 2, Insightful

    I don't live in California. Just what I need, some company taking and patenting my genetic sequence and suing me for using it.

    --
    Understanding the scope of the problem is the first step on the path to true panic.
    1. Re:Damned sure glad... by sadness203 · · Score: 1

      There's some prior art, I'm sure of it.

    2. Re:Damned sure glad... by Ethanol-fueled · · Score: 1, Funny

      I do live in California and I know why they chose Californians for the sample: they're trying to locate the elusive gay gene. San Francisco and Cupertino residents are the test group, while the rest of the sample acts as a control group.

    3. Re:Damned sure glad... by interkin3tic · · Score: 3, Insightful

      Don't consider yourself safe just yet:

      "This is a force multiplier with respect to genome-wide association studies," says Cathy Schaefer, a research scientist at Kaiser Permanente, a health-care provider based in Oakland, CA, whose patients will be involved...
      Kaiser Permanente is meanwhile trying to expand its collection of biological samples to 500,000 by 2013.

      While the scientists running the experiment are clearly doing this to actually advance research, and it will, I'm thinking someone at Kaiser is hoping this will pave the way for "You want health insurance? We just need to sequence your genome first. Oh, sorry, you're going to get Huntingtons disease. Good luck with that."

    4. Re:Damned sure glad... by Anonymous Coward · · Score: 0

      the knee grow still has lower test scores, lower income, and higher crime rates

      Test scores are a predominantly US Anglo-Saxon measurement of worth.
      Income is a predominantly US Anglo-Saxon measurement of worth.
      Crime, when used to label blacks as criminals, is as defined by US Anglo-Saxon culture.

      I can list any number of metrics on which blacks perform better, and use it to "prove" the superiority of blacks.

    5. Re:Damned sure glad... by Idiomatick · · Score: 3, Informative

      At least get your racist history right. China had circled the globe in 1300s created the great wall of China, the still current largest man made channel, and the forbidden city, while they mapped the sky. At this time they didn't bother even trading with the Europeans because they were so much more advanced that they seemed like dirty savages. The largest fleet that Europe had at the time were Venician longboats armed with bows. Would have been easy for China to conquer them and the anchors of their ships weighed more than the European ships and the fact that they had bombs at the time.

      Oh and if you go back further. Africans built great civilizations and had lots of math that the europeans stole from them. Some cities were very well educated. Timbuktu rivaling Alexandria in some respects.

      Or further forwards, the inuit haven't fared nearly as well as america. Even though they are an offshoot of americans. I'm sure you made a mistake in your calculations somewhere.

    6. Re:Damned sure glad... by Anonymous Coward · · Score: 0

      I can list any number of metrics on which blacks perform better, and use it to "prove" the superiority of blacks.

      Penis size, for example. It worked on Heidi Klum!

    7. Re:Damned sure glad... by Anonymous Coward · · Score: 0

      Damn, are you professionally stupid, or is this just a hobby? Whites weren't even the first to circle the globe

    8. Re:Damned sure glad... by Anonymous Coward · · Score: 0

      really ? do so.

    9. Re:Damned sure glad... by AliasMarlowe · · Score: 1

      There's some prior art, I'm sure of it.

      But was it published?

      --
      Those who can make you believe absurdities can make you commit atrocities. - Voltaire
    10. Re:Damned sure glad... by Anonymous Coward · · Score: 5, Funny

      That depends on how you define "publish." I know I have many copies of my DNA, and I've even distributed some of them.

    11. Re:Damned sure glad... by Anonymous Coward · · Score: 0, Flamebait

      Not the OP, but most obvious to me, but on such measurements as:

      - Number of people killed due to aggressive warfare;
      - Number of people killed due to genocide;
      - Number of sovereign states invaded or toppled, and the number of people killed in these actions;
      - Attempts to apply ideological politics, in the east and the west, and the number of people killed in these attempts;
      - Number of weapons of mass destruction produced, and the number of people killed in using those weapons, and the hilarious justification that such weapons prevent warfare (50 years without anyone pressing the button... all we need is to make sure none press the button for another million, right?);
      - Lack of community and spiritual (not in a specifically religious, but general nonmaterial sense) development;

      the white man has, through the 19th and 20th centuries, demonstrated himself to be part of the most aggressive, narrowminded and cruel race on the planet. This does not mean that white men are inherently aggressive or cruel, merely that none has the right to suggest his race to be more civilised than any other.

      A white map man point to a high-rise block and argue that this shows some superiority over a nation of bungalows, merely because there is some extra technical development required for the skyscraper, but he does not ask whether resident of the high-rise is happy. The most innovative men in the West enjoy space over compactness, quality over quantity, and social over technological advancement, shunning the mainstream production of their countries; it is only the idiot gaggle of middle classes who pretend that the modern white way of living is in any way bearable.

    12. Re:Damned sure glad... by SUB7IME · · Score: 5, Informative

      This is why we passed GINA: http://www.genome.gov/24519851

    13. Re:Damned sure glad... by CrimsonAvenger · · Score: 2, Informative

      China had circled the globe in 1300s

      Citation?

      In general, other than somewhat exaggerating the capabilities of non-European nations, you're correct - Europe wasn't the height of civilization back then. But don't undermine your own arguments by adding items of questionable veracity.

      Also, note that even if China had been inclined to conquer Europe then, they'd have been unable to do so - the logistics situation would have been impossible.

      --

      "I do not agree with what you say, but I will defend to the death your right to say it"
    14. Re:Damned sure glad... by Anonymous Coward · · Score: 0

      And that's why the Chinese got conquered by the Brits.

    15. Re:Damned sure glad... by Anonymous Coward · · Score: 0

      Wow, you sure make anglo-saxon culture sound terrible!

    16. Re:Damned sure glad... by icebike · · Score: 1

      From TFA: " University of California, San Francisco (UCSF), with a $25 million, two-year NIH grant that tapped federal stimulus funds ".

      That would seem to me to make all this research public domain, and prevent Kaiser from patenting any genes, holding any information proprietary, or selling it to drug companies.

      While you can't legally discriminate (see GINA in this subtread), there are many other ways this study could end up benefiting Kaiser alone, or Kaiser in cahoots with some drug company unless there is close supervision of this process.

      I would also hope the patients, (and not just their doctors) have a say in this effort, and prohibitions exist from using existing patient samples drawn for other purposes.

      But I would question the choice of One health care provider and one state. The sample seems already biased, once by socioeconomic status, and again by region.

         

      --
      Sig Battery depleted. Reverting to safe mode.
    17. Re:Damned sure glad... by daveime · · Score: 1

      If humanity originated in Africa and the first humans were black

      Then you are also distantly related to a black person, and by your logic, you are the very thing you hate.

      Bloody throwbacks :-(

    18. Re:Damned sure glad... by Anonymous Coward · · Score: 1, Informative

      I'm under the Kaiser plan and was asked for spit sample. The whole thing was voluntary. They give me an informed consent form with lots of details. I believe massive data mining of gene sequences from 1000s of people is necessary to get statistically valid data to find new drugs and cures. So I was happy to do it.

    19. Re:Damned sure glad... by Anonymous Coward · · Score: 0

      Well, half-copies anyway.

    20. Re:Damned sure glad... by michael_cain · · Score: 1

      ...hoping this will pave the way for "You want health insurance? We just need to sequence your genome first. Oh, sorry, you're going to get Huntingtons disease. Good luck with that."

      At least for this group, doesn't matter. At age 65+, they're all eligible for the kind of can't-be-turned-down everyone-pays-the-same-premium government-operated socialized health insurance that Congress seems to think would be a disaster for the rest of us.

    21. Re:Damned sure glad... by R2.0 · · Score: 1

      "This is why we passed GINA: http://www.genome.gov/24519851"

      I'm just waiting for the Commonwealth of Virginia to pass their version.

      --
      "As God is my witness, I thought turkeys could fly." A. Carlson
    22. Re:Damned sure glad... by interkin3tic · · Score: 1

      At least for this group, doesn't matter.

      Right, they do a pilot program first to determine how useful this will be before they do it on a widescale. Or they could.

    23. Re:Damned sure glad... by interkin3tic · · Score: 1

      Can you assure me that there are absolutely no loopholes or ways around GINA that insurance companies could exploit? Can you assure me that insurance companies won't just disreguard GINA? If there is a loophole, insurance companies certainly have an incentive to find it and exploit it, and I know they would have no moral problem with doing so.

      It's somewhat reassuring to know it won't be quite as obvious as my scenario, but one law doesn't make me trust insurance companies.

    24. Re:Damned sure glad... by Anonymous Coward · · Score: 0

      He never said "This is why we passed JAJAY"

    25. Re:Damned sure glad... by SUB7IME · · Score: 1

      I didn't say, "This won't happen because we passed GINA." Instead, I pointed out that there is legislation that intends to deal with this problem. That is, I stated that the legislation was passed to address this problem, not that I felt that the legislation would 100% effective, which would be a different point entirely.

      Certainly, I share your concern that insurance companies will always attempt to find loopholes so long as there is a profit motive to do so.

    26. Re:Damned sure glad... by AHuxley · · Score: 1

      Or a Dune style geriatric binary heart plug.
      Add the second component and you have a streamlined pension system.

      --
      Domestic spying is now "Benign Information Gathering"
    27. Re:Damned sure glad... by ShakaUVM · · Score: 1

      >>I'm thinking someone at Kaiser is hoping this will pave the way for "You want health insurance? We just need to sequence your genome first. Oh, sorry, you're going to get Huntingtons disease. Good luck with that."

      The nice thing about my health insurance through Kaiser is that they don't screen applications. You're charged an amount based on your age, and that's it. I think you have to fill out a thing about your existing conditions (they won't cover cancer if you have it already, I think) but that's about it.

      What worries me is if these patients' DNA was used without their consent. Yes, it may be in the greater good to steal people's DNA, but Michael Crichton has a reasonably good rebuttal to this in Next.

    28. Re:Damned sure glad... by interkin3tic · · Score: 1

      Ah, sorry, I was reading stuff that wasn't there...

    29. Re:Damned sure glad... by Idiomatick · · Score: 1

      Ooooo.... multiple sources needed. I read this book last year: http://en.wikipedia.org/wiki/1421:_The_Year_China_Discovered_the_World

      It appears much of it was exaggerated. Kind of sucks, the book was a great read. So much for trusting books though. I've always been very good at verifying and fact checking things online just not in books. My apologies.

      In any case my point still stands the Chinese did lots of amazing things. Even if they only sailed across a good chunk of the world rather than the whole thing.

    30. Re:Damned sure glad... by bkr1_2k · · Score: 1

      Full copies of the DNA are distributed... only half copies are used.

      --
      "Growing old is inevitable; growing up is optional."
    31. Re:Damned sure glad... by Gulthek · · Score: 1

      The GP's dates are a little off, but here's the standard starting point:

      http://en.wikipedia.org/wiki/Zheng_He

      It's quite a poorly written article, even by Wikipedia standards; but good enough to get you where you want to go.

      http://www.international.ucla.edu/asia/news/article.asp?parentid=10387

    32. Re:Damned sure glad... by madcow_bg · · Score: 1

      Well, a lot of wasted efforts to circumnavigate the obvious solution - universal healthcare...

    33. Re:Damned sure glad... by Hurricane78 · · Score: 1

      Distributed?

      You are posting on Slashdot. You can't fool us! ^^

      --
      Any sufficiently advanced intelligence is indistinguishable from stupidity.
  2. Not sequencing by Anonymous Coward · · Score: 5, Informative

    This not (gene or genome) sequencing. Rather, it picks up single nucleotide changes (SNPs). Still valuable information, but no new mutation will be discovered with this method.

    Sequencing would be a couple of orders of magnitude more expensive.

    1. Re:Not sequencing by jda104 · · Score: 1

      Agreed. I was shocked they were going to sequence that many genomes. The article is also tagged "gene expression." This research has nothing to do with sequencing or gene expression analysis; just analyzing one-nucleotide mutations in the genome.

    2. Re:Not sequencing by SUB7IME · · Score: 4, Informative

      Anonymous coward is correct. This is genotyping, which is orders of magnitude less resource-intensive than gene sequencing.

      Genotyping | sequencing || driving down the highway | Lewis and Clark's journey

      Sequencing is pathfinding (they are not doing this). Genotyping is exploring the path that you already know is there (this is what they are doing). On the sequencing front, there is currently a 1000 genomes project - a massive collaboration of worldwide importance due to its difficulty and expense. On the other hand, genotyping 100,000 people is done all the time (heart attack GWAS, etc). The two concepts are enormously different.

    3. Re:Not sequencing by Anonymous Coward · · Score: 2, Informative

      Parent is absolutely right. Just to illustrate the difference, here are some approximate costs for doing this in one patient:

      Genotyping: $100
      Sequencing 80% of coding genes: $10000
      Sequencing entire genome: $60000

    4. Re:Not sequencing by Anonymous Coward · · Score: 0

      More accurately, this is targeted resequencing (IAACMB).

  3. The Good, the Bad, the Ugly... by LUH+3418 · · Score: 4, Interesting

    The good thing is that this kind of data will help us develop tests to predict the occurrence of many diseases, and perhaps understand their causes better.

    The bad is that private insurance companies are likely to eventually *require* you to get a DNA sample, and possibly reject you if they determine your genes predispose you to old-age diseases.

    Where it gets ugly, is that this will be yet another tool that could allow screening of unborn fetuses, and potentially selective abortions. I'm not personally against this. We're overpopulated anyways, but some people clearly don't like that idea.

    1. Re:The Good, the Bad, the Ugly... by Anonymous Coward · · Score: 2, Insightful

      Which is one of the big reasons for single payer insurance and insurance that can't be denied. Single payer system would negate the benefits of excluding people based on their DNA, and instead would allow people who might have a chance of something going wrong to actually get insurance.

    2. Re:The Good, the Bad, the Ugly... by MBGMorden · · Score: 1

      The bad is that private insurance companies are likely to eventually *require* you to get a DNA sample, and possibly reject you if they determine your genes predispose you to old-age diseases.

      Look at it on the positive side: consumers can get the same data too, and I'm sure that if they get accurate enough the people who don't actually need the insurance can either skip it completely, or go for cheaper "accident only" coverage. If the insurance companies tighten their grip too much and try to only sell to people who absolutely don't need it, they may find that they end up eliminating their customer base.

      --
      "People who think they know everything are very annoying to those of us who do."-Mark Twain
    3. Re:The Good, the Bad, the Ugly... by Anonymous Coward · · Score: 1, Insightful

      I wish to extend my previous comment.. It would also be highly beneficial to know your own genome. If you don't want to be sequenced because you are afraid that your insurance company might get a hold of it, regardless of what is actually in there, that is a huge impediment to your health. You should be able to know statistics based on individual genes rather than on population statistics, or racial, gender statistics. This would make possible causes of disease and treatments much more easy to diagnose and distribute. Essentially it leads to more information that leads to a better solution. But essentially we are all afraid of this information because of the fact that you can be discriminated because of it. Taking away the insurance costs for someone that has a predisposition eliminates a large reason to be afraid of this information getting out. It is amazing that we could want to keep potentially life saving information secret because it is possible to hold it against you. There have to be ways to fix this problem.

    4. Re:The Good, the Bad, the Ugly... by JesseMcDonald · · Score: 0

      The bad is that private insurance companies are likely to eventually *require* you to get a DNA sample, and possibly reject you if they determine your genes predispose you to old-age diseases.

      That's only "bad" if you turn out to be predisposed, in which case your higher risk will no longer be subsidized and you'll have to pay fair premiums in proportion to your risk. For the majority who lack such predispositions, however, this is good news, as it means the cost of providing normal insurance will decrease. (And that, via competition, the price should decrease as well.)

      --
      "The state is that great fiction by which everyone tries to live at the expense of everyone else." - Bastiat
    5. Re:The Good, the Bad, the Ugly... by Red+Flayer · · Score: 5, Insightful

      That's only "bad" if you turn out to be predisposed, in which case your higher risk will no longer be subsidized and you'll have to pay fair premiums in proportion to your risk.

      Thereby making the cost of insurance prohibitive to those with genetic predisposition to serious, expensive-to-treat maladies. This works out exactly the same as denying those people insurance coverage, unless they are very wealthy.
      This defeats the general purpose of medical insurance (which IS for the healthy to subsidize the sick).

      From a libertarian standpoint (yours, I'm assuming, from prior discussions), why not just get rid of health insurance altogether? That's the only way to ensure that everyone pays their "fair" costs into the system. That seems to be what you're getting at, so why mince words?

      --
      "Trolls they were, but filled with the evil will of their master: a fell race..." -- J.R.R. Tolkien on Olog-hai
    6. Re:The Good, the Bad, the Ugly... by Idiomatick · · Score: 3, Insightful

      God I hope you guys get your healthcare shit together before that happens. In a modern country the data could be used to save lives... In the US I can only see it saving money and costing many thousands of lives.

    7. Re:The Good, the Bad, the Ugly... by BlowHole666 · · Score: 1, Insightful

      Prove we are overpopulated. Did someone find an Earth manual someplace that says only 7billion humans can be supported? I am sure wise ass will come back and say "We are overpopulated because people are starving in ". Well people starve in American and Americans are considered some of the fattest. So I think maybe we are not overpopulated we just have a food delivery problem.

      --
      I smoked pot once. But I DID NOT inhale. Will you hire me?
    8. Re:The Good, the Bad, the Ugly... by Anonymous Coward · · Score: 0

      I'm all for screening unborn fetuses and aborting them as long as we are alowed to screen the born ones and abort them as well.

      "I'm sorry Sir, but your parents feel after 30 years of living at home you are unfit to live, please come with me."

    9. Re:The Good, the Bad, the Ugly... by moogied · · Score: 2, Informative
      ...except that congress passed a law making this illegal?

      http://www.genome.gov/24519851

      --
      So basically, -1 troll/offtopic is really slashdots way of saying "I hate that you thought of something before me."
    10. Re:The Good, the Bad, the Ugly... by Anonymous Coward · · Score: 0

      Where it gets ugly, is that this will be yet another tool that could allow screening of unborn fetuses, and potentially selective abortions.

      ... maybe someone will make a movie about it and call it Gattaca (http://www.imdb.com/title/tt0119177/).

    11. Re:The Good, the Bad, the Ugly... by jhfry · · Score: 1

      First, define overpopulated.

      To me, a population is too large when its environment can no longer sustain the population. So, in many parts of the world, where people die of starvation especially, they are overpopulated. To argue that its a logistics problem is a fallacy. What if the entire earth were starving, would it be a logistics issue because we are not consuming the resources of a planet in a nearby solar system?

      I personally think that we have already significantly overpopulated the earth, because we have modified our environment so greatly in order to sustain our population growth. So though there are resources available, they are not natural resources, and thus our current population exceeds the natural limits.

      I don't propose that we put and end to reproduction in an effort to reduce populations to hunter-gatherer levels... but I would like to see a culture of reproductive responsibility encouraged. I did my part, my wife and I stopped after 2 children so we conformed to a zero population growth ideal. I wish everyone could share these ideals.

      --
      Sometimes the best solution is to stop wasting time looking for an easy solution.
    12. Re:The Good, the Bad, the Ugly... by JesseMcDonald · · Score: 0

      This defeats the general purpose of medical insurance (which IS for the healthy to subsidize the sick).

      No, the purpose of insurance, medical or otherwise, is for like-risk individuals to form a pool and trade assessed risk for equivalent, but predictable, premiums. Subsidies have nothing to do with it.

      If you want to join a program whose purpose is to subsidize health care for high-risk individuals ("the sick"), then donate to a suitable charity. That's what they're there for.

      If you want to force others to contribute to such a program, well—that's known as theft, or extortion, or some other equally unpleasant name depending on how you go about applying said force. Gain enough popularity and you many even manage a "respectable" name like tax or regulation, but it's the same thing in the end.

      As a libertarian I have no interest in elimination either insurance or charity. My only concerns are that the labels be properly applied, and that no one be forced to participate in either. (Or forced not to participate, as happens when regulations prohibit offering true insurance in favor of some hare-brained charity-mislabeled-as-insurance scheme.)

      --
      "The state is that great fiction by which everyone tries to live at the expense of everyone else." - Bastiat
    13. Re:The Good, the Bad, the Ugly... by element-o.p. · · Score: 4, Insightful

      Awesome. I can see it now: those who actually need health insurance will be unable to get any. Those who will be making payments for the next n decades, but rarely -- if ever -- actually obtaining any benefit from the insurance will be the only ones who will qualify for coverage.

      --
      MCSE? No, sir...I don't do Windows. Yes, I am an idealist. What's your point?
    14. Re:The Good, the Bad, the Ugly... by Anonymous Coward · · Score: 0

      Earth is overpopulated because our technology, which we need in order to support the current number of people, has an unsustainable impact on the environment, which will eventually cause a reduction of the population. Whether you see it this way is of course very subjective: Like you said, we could distribute our resources more efficiently and settle on a less luxurious lifestyle. However, that is wishful thinking. Could've, would've. You can also argue that the environmental impact is not as big or that we'll use technology to handle the consequences. I say we'll see.

    15. Re:The Good, the Bad, the Ugly... by bzipitidoo · · Score: 2, Insightful

      Knowledge is power. All in all, it's good that we are learning about ourselves. Ultimately it gives us more choices.

      But power always cuts two ways. Insurance companies won't be able to resist the temptation to abuse this knowledge. Though they aren't qualified, they'll pass judgment on genes, deciding which ones are "bad" and "good". They'll take a lot of shades of gray and paint them black and white, and they won't get it right. Suppose they find something like a correlation between baldness and skin cancer? Suddenly, being bald might be "bad". There's too much chance that those of us so unfortunate as to have "bad" genes will be punished for it. Also possible is the use of it to make certain no one can be right. Those who've had a bit of bad luck-- injured in an accident, say-- might suddenly be informed that they've been found to have some genetic condition that voids their coverage. For those whose conditions really are debilitating, that's punishment enough without some faceless committee sitting in judgment and further reducing their chances because they've been judged not a good bet.

      We so need a system where such judgments are not needlessly harsh and incentives needlessly perverse. Too many cures are overlooked in favor of much more profitable chronic care needed to handle symptoms. For instance, the standard treatment for high blood pressure is to take medication-- daily, for the rest of your life. Life and evolution are quite harsh enough, we don't need Neo-Eugenics.

      --
      Intellectual Property is a monopolistic, selfish, and defective concept. It is "tyranny over the mind of man"
    16. Re:The Good, the Bad, the Ugly... by sjames · · Score: 2, Insightful

      You can claim Godwin if you want, but the topic is so close to eugenics and eliminating the untermensch anyway, it's hard to avoid.

      What do you propose that those people whose premiums woud be impossibly high (or who are insurance pariahs) should do? Euthanasia? (illegal anyway).

    17. Re:The Good, the Bad, the Ugly... by ishobo · · Score: 4, Insightful

      From a libertarian standpoint (yours, I'm assuming, from prior discussions), why not just get rid of health insurance altogether? That's the only way to ensure that everyone pays their "fair" costs into the system. That seems to be what you're getting at, so why mince words?

      Bravo. Any free market libertarian should not be using any type of insurance. Afterall, insurance is a form of wealth redistribution.

      --
      Slashdot - The great and glorious cluster fuck of Internet wisdom.
    18. Re:The Good, the Bad, the Ugly... by Anonymous Coward · · Score: 0

      This defeats the general purpose of medical insurance (which IS for the healthy to subsidize the sick)

      More accurately: Insurance is for the at-risk to maybe subsidize the at-risk. The closer the probabilities approach 0 or 1, and the less maybe-ish that "maybe" is, the less sense insurance makes. The whole point is that you don't know what's going to happen: will you be subsidized, or will you be subsidizing?

    19. Re:The Good, the Bad, the Ugly... by benjamindees · · Score: 0

      Odd that "healthy" has now become the antonym of "sick".

      It helps the unhealthy to conflate poor lifestyle choices with random maladies, and to propose insurance as a viable solution to the former.

      --
      "I assumed blithely that there were no elves out there in the darkness"
    20. Re:The Good, the Bad, the Ugly... by icebrain · · Score: 0, Offtopic

      I don't propose that we put and end to reproduction in an effort to reduce populations to hunter-gatherer levels... but I would like to see a culture of reproductive responsibility encouraged. I did my part, my wife and I stopped after 2 children so we conformed to a zero population growth ideal. I wish everyone could share these ideals.

      Or, we could actually make a serious effort to expand beyond earth and allow the species to grow, instead of huddling down here and making an evolutionary dead end due to a self-imposed limit, a decidedly anti-Darwinian desire to limit or even harm ourselves from fear that we might get too dominant, or a collective agoraphobia. Get out and expand into the universe like any other living species would do. Make something of our existence. Doing otherwise is just succumbing to the same old riduculous superstitious notions that gave us the stories of Babel and Prometheus.

      *Note: This is expressly not a "just trash earth and just find somewhere else to live" proposal. The idea is to go somewhere else and expand precisely so you don't have to trash earth. Rather than cram everyone into one basket with a large impact, spread out to many baskets (thereby making a smaller impact on each).

      --
      The meek may inherit the earth, but the strong shall take the stars.
    21. Re:The Good, the Bad, the Ugly... by Rich0 · · Score: 1

      Yup - insurance only works in the absence of knowledge. If you could predict with 80% accuracy whether somebody's house would burn down, then almost everybody could get dirt-cheap fire insurance (which they wouldn't buy anyway since they wouldn't need it), and a small number of people wouldn't be able to afford it and would lose everything they have in a fire. The insurance companies would go out of business since nobody would bother buying insurance either way.

      The only thing that would work once genetic testing becomes reliable is a system that has these attributes:
      1. No denial of claims for pre-existing conditions.
      2. No differential charging based upon genetic factors.
      3. All people must pay in - coverage is not voluntary.

      If you don't have all three the system breaks down. Either people rip off the insurers, or insurers rip off the people. Neither works.

      Most of what people consider "health insurance" isn't really insurance anyway - it is more of a buyer's club for health services. IMHO a major area of reform should be to eliminate this aspect of health insurance entirely. There is no reason that a poor person without insurance should have to pay $100 for a doctor's visit that costs $30 for Aetna (even if the poor person can haggle them down to $50 - assuming they are in the condition to haggle BEFORE the services are rendered). This alone wouldn't fix health care for the poor, but it would certainly make that problem a lot easier to solve.

    22. Re:The Good, the Bad, the Ugly... by wizardforce · · Score: 1

      THe purpose of insurance is to price risk and spread that risk among similar individuals. It's not supposed to force people to buy insurance that they feel they do not need. It's not supposed to be a system where everyone pays the same regardless of their risk. The problem is that the system as it is doesn't the least bit resemble such a system; it's full of fraud and people are heavily restricted in what they can actually choose in their insurance.

      --
      Sigs are too short to say anything truly profound so read the above post instead.
    23. Re:The Good, the Bad, the Ugly... by wizardforce · · Score: 1

      Those who will be making payments for the next n decades, but rarely -- if ever -- actually obtaining any benefit from the insurance will be the only ones who will qualify for coverage.

      Why would anyone want that kind of coverage? What fool would buy it?

      --
      Sigs are too short to say anything truly profound so read the above post instead.
    24. Re:The Good, the Bad, the Ugly... by 0100010001010011 · · Score: 1

      "Predisposition to death." I'm really surprised that some insurance company hasn't tried this one yet.

      "So, your great grand mother, how healthy is she?"
      "Well, she died about 30 years ago"
      [checks off box]
      "And your grand mother?"
      "She died just last year."
      [checks off another box].

    25. Re:The Good, the Bad, the Ugly... by JesseMcDonald · · Score: 4, Insightful

      Any free market libertarian should not be using any type of insurance. Afterall, insurance is a form of wealth redistribution.

      This demonstrates a profound misunderstanding of both the concept of "wealth redistribution" in respect to libertarian philosophy and the concept of insurance itself.

      First, insurance is not "wealth redistribution" even in the limited sense described below, at least when it's not actually being turned into some sort of forced-"charity" scheme via regulation. The projected value of an insurance subscription is equal to the projected value of the premiums being paid (less overhead and the insurer's profit margin, of course, just as with any other service). You're neither subsidizing nor being subsidized by your fellow insurees. What you get from insurance—what makes it worthwhile enough to justify the overhead—is that people tend to prefer that their future costs be predictable. Insurance takes a high-cost, low-probability future event and, by pooling it with many similar events, turns it into a low-cost, predictable event in the form of periodic insurance premiums. Critically, risk is conserved with respect to each insuree; no one pays extra to subsidize anyone else's above-average projected cost (risk). In retrospect, of course, some will be compensated more than others depending on the actual circumstances, but ex ante no insurees can be said to benefit at others' expense.

      Second, "wealth redistribution" is only a problem when it's involuntary. Donating to charity is perfectly consistent with libertarian philosophy, and something many libertarians do frequently. When libertarians speak negatively of "wealth redistribution" they're referring to redistribution by force, involuntarily, which is an entirely separate matter. The force is what makes it wrong, not the redistribution.

      --
      "The state is that great fiction by which everyone tries to live at the expense of everyone else." - Bastiat
    26. Re:The Good, the Bad, the Ugly... by element-o.p. · · Score: 1

      That was my point: if health insurance companies are able to sequence and/or access DNA information on individual applicants, the only people who would have access to health insurance would be those who are unlikely to need it. Perhaps I should not have omitted the "lt;sarc> tag at the end of my post ;)

      A slightly more pragmatic answer would be that people who were worried about acute problems -- accidents, the occasional cold, etc. -- might still buy insurance.

      --
      MCSE? No, sir...I don't do Windows. Yes, I am an idealist. What's your point?
    27. Re:The Good, the Bad, the Ugly... by JesseMcDonald · · Score: 1

      If you could predict with 80% accuracy whether somebody's house would burn down, then almost everybody could get dirt-cheap fire insurance (which they wouldn't buy anyway since they wouldn't need it), and a small number of people wouldn't be able to afford it and would lose everything they have in a fire.

      Rather, the houses likely to burn down would be unoccupied, and probably demolished, and the remaining houses would be be insurable at much lower rates. Everyone wins. Well, some people would be out the cost of a house and need to find new shelter, but at least they won't be caught in a fire.

      In the medical case, of course, you can't leave your "house"—but you can take steps to mitigate any diseases you may be genetically predisposed to. Analogies aside, however, by the time your genetics have been determined it's too late for (real) insurance; either you're known to be within normal risk levels, or you're looking for charity, not insurance. The time to take out insurance against genetic risk factors is before conception. At that point it's your parents' DNA that determines the risk, and thus the cost of insurance.

      --
      "The state is that great fiction by which everyone tries to live at the expense of everyone else." - Bastiat
    28. Re:The Good, the Bad, the Ugly... by nigelo · · Score: 1

      You seem to be proposing moving large numbers of people from earth to some other planet, in order to save resources. How would moving large numbers of people save resources?

      If you are not proposing moving large numbers of people, then those of us left behind are still left with the same problem we have currently.

      So, sorry, I don't think you are addressing the problem.

      --
      *Still* negative function...
    29. Re:The Good, the Bad, the Ugly... by Anonymous Coward · · Score: 0

      It helps the unhealthy to conflate poor lifestyle choices with random maladies, and to propose insurance as a viable solution to the former.

      Your genes are a poor lifestyle choice now?

    30. Re:The Good, the Bad, the Ugly... by JesseMcDonald · · Score: 1

      What do you propose that those people whose premiums woud [sic] be impossibly high (or who are insurance pariahs) should do?

      If they truly cannot get insurance, then their only option is accept the risk themselves and hope they don't get sick or injured.

      If they do anyway, and cannot afford health care even after exhausting all available options for charitable assistance, then they are in exactly the same position as one who has a disease or injury for which there is no known cure—a position which, needless to say, every person who has ever lived (or is currently alive) has faced (or will face) at some point.

      --
      "The state is that great fiction by which everyone tries to live at the expense of everyone else." - Bastiat
    31. Re:The Good, the Bad, the Ugly... by icebrain · · Score: 1

      You seem to be proposing moving large numbers of people from earth to some other planet, in order to save resources. How would moving large numbers of people save resources?

      Yes, it takes more of earth's resources in the initial push, but in the long run you end up using less (of earth's resources, at least) because you can start taking advantage of things like asteroids and in-situ resources (compressing/converting atmospheres, etc). It takes a higher initial investment, but the payoff is bigger. In the very long term, you could wind up with an on-earth population smaller than the current one, but with a total human population much larger.

      Overall, resource usage is still higher, though you have a bigger population. And rather than using up resources on earth (which is still a nice place to live) you're mining the dead, lifeless rocks we know as asteroids.

      --
      The meek may inherit the earth, but the strong shall take the stars.
    32. Re:The Good, the Bad, the Ugly... by Red+Flayer · · Score: 2, Informative
      Emphasis mine:

      No, the purpose of insurance, medical or otherwise, is for like-risk individuals[1] to form a pool and trade assessed risk for equivalent, but predictable[2], premiums. Subsidies have nothing to do with it.

      1. The 'like-risk individual' qualification -- I believe this to be an incorrect assumption on your part. There is no such thing as 'like-risk' -- the question is to what extent we can factor known risk factors into premiums.

      2. Yet when you proposed adjusted premiums for ascertained variable risk, that contradicts your definition of the purpose of insurance.

      3. Effectively, those who incur reimbursable expense are subsidized by those who don't. That's the nature of the system, and how it operates when operating as intended. Those who do not make claims subsidize (through their premiums) those who do make claims. Not sure how you could claim it operates any differently than this.

      We have very different philosophical stances, and we'll never agree on those foundations. But I think if you want to split hairs on terminology, you need to be very careful.

      --
      "Trolls they were, but filled with the evil will of their master: a fell race..." -- J.R.R. Tolkien on Olog-hai
    33. Re:The Good, the Bad, the Ugly... by sjames · · Score: 3, Informative

      Unfortunately for the social Darwinists in the crowd, they DO have one last option available. That is, attack the society that told them to just kindly go away and die quietly somewhere and take what they need. It's not as if they would have anything to lose is it?

      The same philosophy of social darwinism that tells you it's OK to just let them die also tells them it's OK to kill you so they and their family might live. The difference is that at some point they will face a 100% chance of death if they DON'T attack and a significant but lesser chance of death if they do.

      Disenfranchise people en-mass long enough and soon enough they will form their own society. If the parent society interferes with that, they will eventually become an enemy.

      Alternatively they become a diffuse source of discontent and the society unravels from the inside out.

    34. Re:The Good, the Bad, the Ugly... by morgauxo · · Score: 1

      I'll bet this AC posted from his mama's basement, a concrete lined hole in the soil of oh.. hmm... lemme guess.. the United States.

    35. Re:The Good, the Bad, the Ugly... by HiThere · · Score: 1

      Well there are still accidents and other environmental hazards. There will be SOME utility in health insurance. Just not as much.

        <humor>So of course they'll reduce their rates because their expenses have gone down. </humor>

      --

      I think we've pushed this "anyone can grow up to be president" thing too far.
    36. Re:The Good, the Bad, the Ugly... by HiThere · · Score: 2, Insightful

      And no company would ever break a law to increase it's profits.

      --

      I think we've pushed this "anyone can grow up to be president" thing too far.
    37. Re:The Good, the Bad, the Ugly... by NeutronCowboy · · Score: 1

      Nonsense. The demand for insurance is that it is easier to mitigate risk if you pay a small regular chunk of money you don't need in return for an occasional large chunk of money when you need it. The supply of insurance exists because entities are willing and able to pay more than the compound cost over a large set of entities.

      Businesses like it because it simplifies their accounting and long-term planning. Not to mention that it frees up resources that don't have to be held in reserves. Individuals like it because an unlikely, but possible catastrophe doesn't mean that they're fucked financially until they die. Governments like it because people and businesses with insurance are able to take more risks, are less impacted by catastrophes and will be socially more stable.

      There are universal benefits to people and businesses having insurance. To the point that it is cheaper to hand out insurance than deal with the after-effects of not having people and businesses insured.

      --
      Those who can, do. Those who can't, sue.
    38. Re:The Good, the Bad, the Ugly... by bluej100 · · Score: 3, Insightful

      Insurance is for amortizing risk over time and population. Knowing the degree of risk makes it better insurance, not worse--it's not illegal to charge higher car insurance rates to people who are bad drivers. It's the role of the government to redistribute wealth to those who've gotten a crappy start, not the role of insurance firms. (And I dispute the notion that those unfortunates who share our nationality should be our first moral responsibility.)

    39. Re:The Good, the Bad, the Ugly... by TheCarp · · Score: 1

      Of course, in reality, this is just a good argument for ANY sort of "group insurance". Thats kind of the problem with one-off single insurance. You go to the ins company, and ask for insurance. They look at YOUR risk to insure you.

      When I got my job, I got insurance with it. Working at this company is the criteria by which I got onto my plan. So there is no reason for the insurance company to see me as a greater risk than anyone else at the company, since they have nearly everyone here, its all about average risk.

      SO, by grouping people together based on a criteria that has nothing to do with health (working for a specific company) they get a mix of risky and non-risky and blend us into a pool that can be insured as a group.

      Now, getting back to your point... Single payer is just.... group insurance expanded to its logical conclusion. Its insurance for a large group of people, based on a membership that has nothing to do with health, thus blending "risky" and "safe" individuals. Its just that the group is everyone here, and the insurer is a "non-profit" known as the government.

      Frankly, "single payer" is an insurance companies wet dream of what the world would be if they could get a mandate to buy insurance to everyone and put everyone else out of business. It makes sense that they don't want it, because it means them going out of business. Excuse me while my heart bleeds for them....

      -Steve

      --
      "I opened my eyes, and everything went dark again"
    40. Re:The Good, the Bad, the Ugly... by TaggartAleslayer · · Score: 1

      Ahh, that made me laugh. Thanks again AC. You always know just what to say.

    41. Re:The Good, the Bad, the Ugly... by HiThere · · Score: 1

      Calling "health insurance" an insurance is a misnomer and has been all my life. Certainly since the rise of the HMOs. Possibly before that you would have grounds to call it an insurance in the classic form. I don't really remember.

      If you're going to pretend that now, all of a sudden, it should change to actually be an insurance plan... Well, ok, but you need to get rid of the HMOs first.

      Remember how the Kaiser health plan started. An employer wanted to ensure that his trained workers stayed with him and got treated after injuries on the job (so they'd get back to work). He may also have had charitable idea, but he was an independent owner of a business, not a corporation, so he was allowed to. The reasons I gave were his official ones. (Not the PR ones, which leaned towards charitable...which may have been true also.)

      Kaiser never intended his health plan to be a health insurance in any normal sense of the term insurance. He wanted it as a way to retain the services of skilled workers, and to get them back to work quickly after an accident. That's a "sort of" insurance, but it's not health insurance, except from the employer's point of view. It's definitely, however, a health plan, and that's what he called it.

      Blue Shield was, I believe, actually a health insurance company before the rise of the HMOs. But when it started being sold as an employee benefit by employers it stopped being insurance in any normal sense of the term.

      When people buy their own health plan on their of their own choice (with or without employer subsidy, but their choice and the person directly chosing the plan and dealing with it) then it's more like insurance. I.e., gambling (which is what insurance is). That, however, does not describe how most people acquire health coverage. Calling it insurance is just "tradition", because that was how it was once done.

      --

      I think we've pushed this "anyone can grow up to be president" thing too far.
    42. Re:The Good, the Bad, the Ugly... by Anonymous Coward · · Score: 0

      This defeats the general purpose of medical insurance (which IS for the healthy to subsidize the sick).

      There are two different meanings to that, and thus two possible purposes of medical insurance.

      1. For people at equal risk of disease to insure each other, so that they all pay a continuous small cost rather than an occasional large one when they get sick. This is the healthy subsidising the people who happen to be sick at the moment, and getting paid back when they fall sick in turn themselves.

      2. For people at low risk of disease and people at high risk of disease to insure each other, so that the low-risk people pay more than they otherwise would, and the high-risk people pay less.

      I can see the point of number 1. Number 2, though, is going to be increasingly hard to enforce as we become able to quantify the risk to someone's health. Why don't we just impose a tax on everyone, and pay a lump sum to those people who are at high risk? It's got the same effect, and it's more honest.

    43. Re:The Good, the Bad, the Ugly... by Anonymous Coward · · Score: 0

      ...Or you could call it risk management by free choice. Which doesn't at all run in opposition to Libertarianism.

    44. Re:The Good, the Bad, the Ugly... by JesseMcDonald · · Score: 2, Interesting

      There is no such thing as 'like-risk' -- the question is to what extent we can factor known risk factors into premiums.

      The idealized model of insurance places individuals into different "pools" depending on their individual risk, with each pool corresponding to a specific risk and equivalent premium. It is assumed that there are sufficient individuals within each pool for things to average out. However, that's just an abstraction. In the real world risk is a continuous variable, so every individual would be in a separate pool (with no averaging). Instead, everyone pays into a single pool in proportion to their respective risk. It works out the same in the end.

      Effectively, those who incur reimbursable expense are subsidized by those who don't.

      When you look at things from an ex post cost basis, yes. However, that's an artificial point of view; when considering whether to invest in insurance you don't know the shape of future events. The whole point of insurance is to take that uncertainty and turn it into a stable situation from an ex ante point of view, where risk, not cost, is the determining factor. And in terms of risk there is no subsidy; given all the information known ex ante there is no reason for any insuree to believe they are subsidizing anyone. All insurees within a given pool are equally likely to be compensated. (Or, avoiding the "pool" abstraction, all insurees have a probability-weighted projected compensation which is proportional to their premium.)

      No one willingly joins an insurance program expecting to pay in substantially more than their individual risk—not when competitors are free to offer them lower premiums—and no insurance program could survive for long without balancing risk if low-risk individuals are permitted to opt out. Ergo, no voluntary insurance program can retain ex ante subsidies over the long run.

      --
      "The state is that great fiction by which everyone tries to live at the expense of everyone else." - Bastiat
    45. Re:The Good, the Bad, the Ugly... by operagost · · Score: 1

      So is a casino. But a libertarian doesn't normally oppose them either as long as both are not run by governments, or compulsory. See-- that's the key. FREE MARKET.

      --

      Gamingmuseum.com: Give your 3D accelerator a rest.
    46. Re:The Good, the Bad, the Ugly... by JesseMcDonald · · Score: 1

      Nonsense. The demand for insurance is that it is easier to mitigate risk if you pay a small regular chunk of money you don't need in return for an occasional large chunk of money when you need it. The supply of insurance exists because entities are willing and able to pay more than the compound cost over a large set of entities.

      Businesses like it because it simplifies their accounting and long-term planning. Not to mention that it frees up resources that don't have to be held in reserves. Individuals like it because an unlikely, but possible catastrophe doesn't mean that they're fucked financially until they die.

      Isn't that exactly what I said? Yes, I believe it was: "...the purpose of insurance, medical or otherwise, is for like-risk individuals to form a pool and trade assessed risk for equivalent, but predictable, premiums." In other words, to "mitigate risk."

      There are universal benefits to people and businesses having insurance. To the point that it is cheaper to hand out insurance than deal with the after-effects of not having people and businesses insured.

      Sure it's cheaper—when the costs are externalized onto all the people forced to pay for more insurance than they need or want, either directly or indirectly via taxes. Everything seems cheaper when you don't have to fund it yourself. That doesn't even consider the additional dead-weight loss of violating basic social rules like private property and self-determination.

      --
      "The state is that great fiction by which everyone tries to live at the expense of everyone else." - Bastiat
    47. Re:The Good, the Bad, the Ugly... by Red+Flayer · · Score: 1

      The idealized model of insurance places individuals into different "pools" depending on their individual risk, with each pool corresponding to a specific risk and equivalent premium.

      No. The idealized model of insurance places individuals along a spectrum of individual risk, paying equivalent premium to their risk (for the ideal system you refer to; there are actually multiple ideal systems for insurance, since there are multiple possible goals of an insurance system, and I think you only consider one, due to your libertarian philosophy). What you are describing is the practical model, not the ideal model.

      The whole point of insurance is to take that uncertainty and turn it into a stable situation from an ex ante point of view, where risk, not cost, is the determining factor.

      1. That is the point of insurance from an individual's perspective. From your libertarian standpoint, that is the same as from society's perspective. We will never agree on this because I do not equate society with simply the sum of all individuals, as libertarians do.

      No one willingly joins an insurance program expecting to pay in substantially more than their individual risk--not when competitors are free to offer them lower premiums--and no insurance program could survive for long without balancing risk if low-risk individuals are permitted to opt out. Ergo, no voluntary insurance program can retain ex ante subsidies over the long run.

      Assuming an ideal free market, which does not exist and never will. There are significant barriers to entry in the insurance business, not all of them regulatory (capital reserves being one of them). There is a profound lack of information (especially since true risk cannot be evaluated by the individual).

      --
      "Trolls they were, but filled with the evil will of their master: a fell race..." -- J.R.R. Tolkien on Olog-hai
    48. Re:The Good, the Bad, the Ugly... by JesseMcDonald · · Score: 1

      I'm not a Social Darwinist. A Social Darwinist would argue that charity is wrong as well because it allows the weak to survive. (The label "Social Darwinist" is often used to demonize one's opponent, but you are unlikely to encounter one in practice. There are a few out there, though.)

      Your argument is a good reason to donate to charity, but you appear to be taking it as a justification for theft. That is not something which you have any right to authorize. If you can persuade others to donate, great. If not, that is their choice to make, not yours.

      --
      "The state is that great fiction by which everyone tries to live at the expense of everyone else." - Bastiat
    49. Re:The Good, the Bad, the Ugly... by NeutronCowboy · · Score: 2, Interesting

      No. What I said and what you said are fundamentally different. You assume like-risk, I don't. Furthermore, I don't assume that pools are formed by individuals. I merely assume that a demand exists, and that there is a product to fill that demand.

      You also misunderstand the reason that insurance works. It works BECAUSE cost is externalized onto all the people who pay for more insurance than they need.

      If people would pay for exactly the insurance they need, they could just as well pay a regular amount into a savings fund, and draw down from there once something happens. That's the only thing they need. If they encounter a situation that exceeds the monthly amount they're paying, they're directly being subsidized by others - who could be paying less if they wouldn't be subsidizing others.

      Let me repeat that: the entire point of insurance is to overcharge a lot of people a little bit so that a few people don't go bankrupt. Plus generate profit for the insurer.

      Finally, you also seem to misunderstand my last comment. There is a total cost to society as a whole when people and companies go bankrupt. There are the obvious ones (layoffs, unemployment benefits being paid out, etc) and the less obvious ones (kids being raised in a worse environment, and being a bigger drain on society down the road). Sometimes, it is cheaper for society as a whole to subsidize the prevention of catastrophic events (such as a medically-related bankruptcy) rather than mop up after it.

      It has nothing to do with it being cheaper because it doesn't come out of my pocket. Absolutely nothing. It is cheaper because in the balance sheet of a society, it is less expensive.

      --
      Those who can, do. Those who can't, sue.
    50. Re:The Good, the Bad, the Ugly... by sjames · · Score: 1

      I am no more authorizing theft than you are infringing on the right of the majority to enter into a voluntary covenant called government to take care of these things for them.

      I looked very carefully and deeply into the Libertarian philosophy a number of years ago. After a year I concluded that it ends in anarchy and bloodshed every time. It's inevitable because power attracts more power and money attracts more money. At some point that degrades into take it or leave it contracts where leave it means starve or go live in a cave.

      Even though government services have a tendency to attract inefficiency and corruption, it at least has a chance to keep the inevitable inequality from growing so large so fast that people open fire.

      Of course, in a fully realized Libertarian world, there can be no insurance companies. I say that because freedom of contract means that I as an individual have no obligation to recognize their incorporation (since I have certainly NOT chosen to enter into contract with them) while having the right to sue them as individuals for any externalities they might create.

    51. Re:The Good, the Bad, the Ugly... by TheSync · · Score: 1

      here is no reason that a poor person without insurance should have to pay $100 for a doctor's visit that costs $30 for Aetna (even if the poor person can haggle them down to $50 - assuming they are in the condition to haggle BEFORE the services are rendered).

      FYI, a CVS Minuteclinic exam costs $62. You need no appointment, and they are open evenings and weekends.

    52. Re:The Good, the Bad, the Ugly... by causality · · Score: 3, Insightful

      From a libertarian standpoint (yours, I'm assuming, from prior discussions), why not just get rid of health insurance altogether? That's the only way to ensure that everyone pays their "fair" costs into the system. That seems to be what you're getting at, so why mince words?

      Bravo. Any free market libertarian should not be using any type of insurance. Afterall, insurance is a form of wealth redistribution.

      Many others have corrected you in basic terms of what insurance actually is, and when the redistribution of wealth is undesirable (i.e. when it's done by force).

      I wanted to add one thing. Insurance of any kind is based on the principle of indemnity. This is a fundamental concept behind all forms of insurance. To summarize indemnity, it means restoring you to where you were (i.e. after a loss). It means that a policyholder does not profit from filing an insurance claim. If your car takes $5000 in damages from an accident, and your insurance company pays $5000 for your car, X dollars to cover your rental vehicle while your car is being repaired, etc., your net gain is zero. You are only paid because you incurred a covered loss, and are only paid the amount that the covered loss has cost you. That's indemnity.

      --
      It is a miracle that curiosity survives formal education. - Einstein
    53. Re:The Good, the Bad, the Ugly... by Anonymous Coward · · Score: 0

      good thing no person or corporation ever broke the law before, ever

    54. Re:The Good, the Bad, the Ugly... by Sir_Lewk · · Score: 1

      A possible upside to private insurance companies doing this is that if they accept you, you know you probably don't need it so bad after all!

      --
      "linux is just DOS with a UNIX like syntax" -- Galactic Dominator (944134)
    55. Re:The Good, the Bad, the Ugly... by Anonymous Coward · · Score: 0

      Maybe they should start their own insurance corporation which caters to their unique problems? Why should I do their thinking for them, and why are you insulting them by suggesting they can't solve their own problems except by suicide?

    56. Re:The Good, the Bad, the Ugly... by JesseMcDonald · · Score: 1

      You assume like-risk, I don't. Furthermore, I don't assume that pools are formed by individuals. I merely assume that a demand exists, and that there is a product to fill that demand.

      There is absolutely no significant difference between what you said and what I said in this area. Ignore the bit about "like-risk"; it's just distracting you from the big picture. It comes from the abstract model of insurance where each insurance contract is placed into a "pool" with many other contracts with similar risks and premiums. In practice, of course, insurees just pay premiums in proportion to their risk, and no one bothers to keep the actual reserves separate for different levels of risk. It works out the same in the end. The "individuals" part is similar; I never assumed or claimed that insurance only applies to individuals acting alone, although that was the original context (re: medical insurance). However, only individuals make decisions to take out insurance, whether they're acting on their own or as representatives of multi-national corporations. There's no point in considering the actions of an organization separate from the actions of the individuals who run it.

      You also misunderstand the reason that insurance works. It works BECAUSE cost is externalized onto all the people who pay for more insurance than they need.

      Costs, yes, at least after the fact. However, that misses the point. What matters with insurance is risk (ex ante probability-weighted projected future costs), and in terms of risk there is no subsidy. People don't know how much they'll need; that's why insurance exists, and why the savings-account concept doesn't work. However, in a free market no one buys pays higher premiums than they feel is necessary to cover their risk. In general, no one can say beforehand that a given insuree is paying more for their insurance than is required to cover their projected cost. If they could then they would offer that person a plan with the same coverage at a lower premium, and competition would eliminate the subsidy.

      Finally, you also seem to misunderstand my last comment.... Sometimes, it is cheaper for society as a whole to subsidize the prevention of catastrophic events ... rather than mop up after it.

      I understood your comment just fine, thank you. Disagreement is not equivalent to misunderstanding. The reason I disagree is simple: when you say that "society as a whole" should do something, when the individuals that make up that society have not freely chosen to do so, what you really mean is "some members of society should force the rest to do this, for the good of the whole (in my opinion)." Acting on that statement, however, is completely incompatible with a free society. It divides people into two classes: those who make the rules, and those who must follow them. Whether these classes are determined by birth or status or majority makes not difference; no one has the right to govern another by force.

      Anyway, "society" doesn't own property, and thus does not have a "balance sheet". By pretending it does you are ignoring the boundaries between one individual's property and other's. It may seem less expensive to me for you and I to combine our purchases for a better price, but even if I have every reason to believe that I'm right I still can't make you participate. Which is good, because I may not be right—and the whole point of private property is that the owner makes those decisions. What you are proposing is the same, just at a larger scale.

      --
      "The state is that great fiction by which everyone tries to live at the expense of everyone else." - Bastiat
    57. Re:The Good, the Bad, the Ugly... by JesseMcDonald · · Score: 1

      This debate has seemingly devolved to an argument over word choices...

      It doesn't matter whether the "set of uniform pools" model is the ideal model or the practical one. The point is that the two models are just different ways of describing the same thing.

      What I described is the point of insurance from my perspective. If you want to take plain barter (or charity, or forced redistribution) and call it insurance, fine—but we'll still need a word to describe a contract which trades risk for equivalent periodic cost. Any suggestions? (I like "insurance"; it's traditional.)

      The ideal free market—the standard libertarian one, not one of the others people sometimes advocate—does not depend on having perfect information, or on the absence of non-aggressive barriers to entry. In fact, improving the available information is one of the basic functions of the market. It does depend on a complete lack of aggression, however, so achieving it is equivalent to eliminating all crime, which clearly isn't going to happen in your lifetime or mine. Fortunately, we don't need an ideal free market for competition to work. We just need something "close enough", and for what we're discussing "close enough" isn't really all that close at all. A lack of aggressive (regulatory) interference would be quite sufficient on its own.

      --
      "The state is that great fiction by which everyone tries to live at the expense of everyone else." - Bastiat
    58. Re:The Good, the Bad, the Ugly... by 1s44c · · Score: 1

      Prove we are overpopulated.

      I can't prove we are overpopulated right now, but I can prove we are either overpopulated now or will be in the near future.

      Exponential growth is not stable in any finite system.

    59. Re:The Good, the Bad, the Ugly... by bkr1_2k · · Score: 1

      Thank you. I was wondering if I'd have to be the first to mention that.

      --
      "Growing old is inevitable; growing up is optional."
    60. Re:The Good, the Bad, the Ugly... by bkr1_2k · · Score: 1

      I pay substantially more than my "individual risk" on a regular basis. I've seen a doctor 11 times in the last 10 years, and that's for routine physicals and 1 nasty case of poison Ivy. The total cost of those visits is about $1000 including bloodwork. I've paid well over $1000 in that time for my portion of my health insurance coverage since I generally pay about $1000 per year. I simply don't get sick (lucky me) enough to warrant paying for insurance for myself. I do pay for insurance for my children though, and because I get it through my employer, I'm forced to also pay for insurance for me. It's cheaper for me to do it this way, generally, but I am still paying a premium for a service I simply don't use.

      I can't possibly be the only person in this situation.

      --
      "Growing old is inevitable; growing up is optional."
    61. Re:The Good, the Bad, the Ugly... by Red+Flayer · · Score: 1

      The ideal free market--the standard libertarian one, not one of the others people sometimes advocate--does not depend on having perfect information, or on the absence of non-aggressive barriers to entry

      Dude, go back to college and take econ 101. An ideal free market, by definition, requires perfect information and no barriers to entry.

      Ideal free markets do not exist in reality, and never will, whether there is government action in the economy or not.

      The standard libertarian free market should not ever be confused with an ideal free market. Much government regulation actrually increases the "idealness" of the market by increasing information available to participants.

      We just need something "close enough", and for what we're discussing "close enough" isn't really all that close at all. A lack of aggressive (regulatory) interference would be quite sufficient on its own.

      That's conjecture, and it only possibly holds true if you ascribe to a certain school of economics and philosophical bent. I don't agree.

      --
      "Trolls they were, but filled with the evil will of their master: a fell race..." -- J.R.R. Tolkien on Olog-hai
    62. Re:The Good, the Bad, the Ugly... by sjames · · Score: 1

      I am suggesting that given the costs of health care in the U.S. no insurance company focusing on high risk patients can be affordable. You act as if insurance makes the whole problem go away.

      A bit of math for you. Given a population whose risk is perfectly assessed and who are charged premiums correct for that risk, everyone is better off without insurance since the insurance will necessarily cost as much as the medical treatment plus a margin.

      Given a large population with no individual risk analysis all assessed at the average risk of the population, the premium will be much lower. Some will gain a great value from the insurance and others will gain at most a bit of peace of mind.

      Many insurance companies like to stack the deck a bit by finding any excuse they can to cancel policies as soon as they show signs that they will be expensive.

      In any event, insurance isn't a cure for high health care costs, it is at best a band-aid. If a private company provided insurance for the entire population of the U.S. the sum of the premiums will necessarily be larger than the total cost of healthcare for the U.S. That is, it still costs too much but by spreading the costs around between high and low risk, at least less people die young of treatable conditions.

  4. nice by Emesee · · Score: 1

    nao, maybe they'll be able to start growing limbs back soon. and maybe they can make SENS work so we'll all be "effectively immortal" . god bless california. cause it's warm.

    --
    contribute at wikademia
    1. Re:nice by Red+Flayer · · Score: 2, Funny

      and maybe they can make SENS work so we'll all be "effectively immortal"

      If you want to get SENS working right, you have to blow on the cartridge, but that's ridiculous. Who'd want to make SNES work when they could get the N-64 working and play Goldeneye instead?

      --
      "Trolls they were, but filled with the evil will of their master: a fell race..." -- J.R.R. Tolkien on Olog-hai
  5. Consent by kidsizedcoffin · · Score: 2, Interesting

    I didn't see it in the article, but was consent obtained from each of these patients to use their DNA in this study? Or is this one of those OPT-OUT programs that companies think consumers like?

  6. The doctors' permission?! by icebrain · · Score: 2, Insightful

    Yeah, let's hope they got the doctors' permission, because, you know, it's not like the patients have a say in it or anything...

    --
    The meek may inherit the earth, but the strong shall take the stars.
  7. Don't you mean..... by netruner · · Score: 1

    Let's hope that they got permission from the patients' doctors first.

    I would think that getting the patients' permission would be a little more important.

    --



    DISCLAIMER: This post was not checked for speling and grammar- if you complain- you're a whiner
    1. Re:Don't you mean..... by Anonymous Coward · · Score: 0

      This is California. Getting the money necessary is the most important thing of all.

    2. Re:Don't you mean..... by kimvette · · Score: 1

      No, telling people what they can and cannot do and can and cannot say is what's important in California. If it drains their wallets in the process, then so much the better.

      --
      The Christian Right is Neither (Christian nor right). See: Matthew 23, Matthew 25, Ezekiel 16:48-50
  8. god save us all... by mapkinase · · Score: 1

    All bioinformaticists who are annotating this data.

    --
    I do not believe in karma. "Funny"=-6. Do good and forbid evil. Yours, Oft-Offtopic Flamebaiting Troll.
  9. Death to clutter by Anonymous Coward · · Score: 0

    Great! Now we won't need social security numbers! We'll just use our DNA!

  10. Quick, your state needs you! by natehoy · · Score: 1

    California needs samples of saliva. If you live in California, proceed directly to the capital and spit on the front door. Your state is counting on you.

    At least that way they can get saliva samples of conservatives. Of course, in California, that's a sample size of about four, but it's a start...

    --
    "This post contains words, known to the State of California to cause thought. Wash brain thoroughly after reading."
    1. Re:Quick, your state needs you! by Coren22 · · Score: 1

      Wow, those must be some really powerful people to of elected the Governator.

      http://en.wikipedia.org/wiki/Arnold_Schwarzenegger

      --
      APK likes to ask for responses to the same things over and over. Maybe he just likes the responses?
    2. Re:Quick, your state needs you! by treeves · · Score: 1

      First, it's "to have", not "to of".
      Second, are you implying that Schwarzenegger is a conservative?
      I think those four conservatives in CA would disagree with you on that.

      In fact, the wikipedia article you linked to has this to say:

      In recent years, many commentators have seen Schwarzenegger as moving away from the right and towards the center of the political spectrum. After hearing a speech by Schwarzenegger at the 2006 Martin Luther King, Jr. breakfast, San Francisco mayor Gavin Newsom said that, "[H]e's becoming a Democrat [... H]e's running back, not even to the center. I would say center-left".

      If Gavin Newsom is saying Arnold is "center-left", you can surmise that real conservatives think he's somewhere between FDR and Fidel Castro.

      --
      ...the future crusty old bastards are already drinking the Kool-Aid.
  11. RTA by Anonymous Coward · · Score: 0

    They're not being sequenced, they're being genotyped on a SNP chip. There's a huge difference.

  12. s/Sequenced/Genotyped by ianbean · · Score: 3, Informative

    Maybe everyone should read the article. They're being genotyped (700,000 SNPs by Affymetrix array) not sequenced. There is a significant difference...

  13. Not the first time.... by Anonymous Coward · · Score: 1, Funny

    "This will be the first time such a large group has had their genes sequenced"

    Obviously they have forgotten about the coal mine / medical file catalog / alien landing site, as seen mid-series on the X-Files.

  14. Likely a scam to support 23 and me by Anonymous Coward · · Score: 0

    Likely a scam to support 23 and me

  15. Illegal to Discriminate by Schickeneder · · Score: 1

    As of 2008, it is illegal for insurance companies to require any information about a DNA sample.

    Genetic Information Nondiscrimination Act

    http://www.genome.gov/10002328

    One of the last things Bush did in Office.

    1. Re:Illegal to Discriminate by irondonkey · · Score: 2, Insightful

      And of course, nothing illegal is ever done.

    2. Re:Illegal to Discriminate by Anonymous Coward · · Score: 0

      This is a much needed act. Unfortunately, insurance companies are already breaking this act. They denied insurance to an "overweight" baby and an "underweight" toddler. The problem with these kids are their genes. It's not like they are eating candy, McD's, 5 liters of soda, and 6 meals a day. These are normal kids denied coverage due to their genes.

      I hope these people sue the insurance companies, get a huge settlement, and force insurance to actually obey GINA.

  16. With or without permission? by Manip · · Score: 2, Insightful

    The article seems to gloss over this BIG question.... Did they get the patients permission before they scan in their DNA and link it into their medical records?

    If they didn't or aren't, then that is a big privacy violation with perhaps huge negative ramifications for those individuals (if any diseases are identified that aren't treatable but will impact their ability to get insurance).

    Also breaks the doctor/patient trust entirely since your doctor is more or less stealing from you...

    1. Re:With or without permission? by SecurityGuy · · Score: 2, Insightful

      Or for the patients children. I can see being in my later years and really not caring, since I'll presumably be on the federal dole (Medicare/Medicaid/Whatever) by then, but this data is also predictive of the patients children and grandchildren. Much as I can see the value in the research, this is a monstrous can of worms. Patient consent should be required at a minimum, and prohibitions on genetic discrimination are going to be required as well.

    2. Re:With or without permission? by BobMcD · · Score: 1

      If they didn't or aren't, then that is a big privacy violation with perhaps huge negative ramifications for those individuals (if any diseases are identified that aren't treatable but will impact their ability to get insurance).

      This depends entirely on the proper collection and use of the data. If they're looking for trends across a huge dataset, HIPAA rules allow them to de-personalize the data. Thus the sample comes from Male03241, whose identity is stored in a discrete location used only for specific purposes.

      Thus, they'll know that someone has the gene for Parkinson's, but will not have access to who that person is outside their own study. And with a set of data this large, there's a solid chance they don't really need that info anyway. They're almost certainly looking for trends and head-counts.

    3. Re:With or without permission? by CupBeEmpty · · Score: 2, Informative

      It would be completely illegal without informed consent. They would have had to go to their Internal Review Board (IRB) and get approval and would be required to follow federal guidelines. This is a highly regulated part of medical privacy and IRBs do not screw around with the rules because the institutional consequences are massive. They range from massive lawsuits to federal crimes. The scientists doing the SNP arrays would also be forbidden from knowing any patient information. Only the doctors involved with patient treatment would know any identifying information.

      Now one of the interesting caveats to this is that the doctors involved with the patient's care are privy to the results of the SNP array. Presumably they would be told "Patient X Y and Z have mutations correlated with early onset Alzheimers and Huntington's Disease. They would be obligated to tell their patients and begin any appropriate care. My guess is that is why they decided to study patients around 65 years old. Any genetic predispositions would already have manifest themselves. I am curious if it was done to avoid any ethical concerns with "diagnoses" arising from the study.

    4. Re:With or without permission? by Anonymous Coward · · Score: 0

      From the Wikipedia article on HeLa cells, a human cell line derived from cancer cells taken from a woman, Henrietta Lacks, and commmercialized without her consent:

      "The cells were propagated by George Otto Gey without Lacks' knowledge or permission (neither she nor her family gave permission)[1] and later commercialized, although never patented in their original form. Then, as now, there was no requirement to inform a patient, or their relatives, about such matters because discarded material, or material obtained during surgery, diagnosis or therapy was the property of the physician and/or medical institution. This issue and Ms. Lacks' situation was brought up in the Supreme Court of California case of Moore v. Regents of the University of California. The court ruled that a person's discarded tissue and cells are not their property and can be commercialized."

      Link: http://en.wikipedia.org/wiki/HeLa

    5. Re:With or without permission? by Anonymous Coward · · Score: 0

      The doctor is not stealing from the patient. This is similar to turnitin.com and copyright.

  17. Diverse study? by tomhath · · Score: 1

    The article keeps repeating how diverse the participants in the study will be. But I'm going to guess that they won't find very many people who have genetic diseases which cause a person to die before they reach oh, say their 65th birthday.

  18. The medical insurance company from Hell . . . by PolygamousRanchKid+ · · Score: 1

    "Mr. elderly Californian, I'm afraid I have some bad news for you . . . you have cancer."

    "But I also have some good new for you, it's treatable."

    "But yet again I have some bad new for you: you have the QZURVN gene, which our research indicates that you will die of heart disease in a few years anyway, so why should we bother treating the cancer?"

    --
    Schroedinger's Brexit: The UK is both in and out of the EU at the same time!
  19. Other countries by FenixBrood · · Score: 2, Interesting

    I live in Sweden and here we take DNA samples of all newborn and put the samples with SSN and parents name in a national database. The database can then be accessed by scientists for study. We have done this for decades. I haven't heard anybody here really care about being in the database.

    1. Re:Other countries by BlueParrot · · Score: 2, Informative

      I haven't heard anybody here really care about being in the database.

      a) Listen harder

      b) They only tell your parents about it and by the time you are old enough to care chances are your parents have forgotten.

    2. Re:Other countries by Anonymous Coward · · Score: 0

      But the Swedish are filthy communists, so why should we listen to you?

    3. Re:Other countries by Schickeneder · · Score: 4, Insightful

      You have universal healthcare in Sweden, so all the citizens should theoretically get equal/fair treatment anyway. People in America aren't generally afraid of having that "personal" information known, rather they worry about the possible consequences of private healthcare providers and employers accessing that data and discriminating.

    4. Re:Other countries by Anonymous Coward · · Score: 0

      You can have your sample destroyed: http://sv.wikipedia.org/wiki/PKU-registret

    5. Re:Other countries by HiThere · · Score: 1

      In Sweden you aren't likely to die because someone else knew what your genetic codes were. In the US...well, it's illegal to discriminate because of a person's genetic variants, but it could be quite profitable if you're a health insurance company. Of course nobody worries about that because we all know that the health insurance companies are all ethical and law abiding.

      So you aren't hearing any worries or complaints. You aren't. You aren't. You aren't hearing any worries or complaints.

      --

      I think we've pushed this "anyone can grow up to be president" thing too far.
    6. Re:Other countries by R2.0 · · Score: 1

      "I haven't heard anybody here really care about being in the database."

      Yet.

      When things get ugly economically (and they will) that data can also be used to decide who gets care via triage. "Diabetes? Hmmm, says here that you are also predisposed to cancer. Since your life is likely to be cut short anyway, I'm afraid there's really no point in treating the diabetes very aggressively, now is there? Next."

      --
      "As God is my witness, I thought turkeys could fly." A. Carlson
  20. Yay for privacy by Anonymous Coward · · Score: 1, Insightful

    The effort will make use of existing saliva samples taken from California patients, whose average age is 65. Their DNA will be analyzed for 700,000 genetic variations called single-nucleotide polymorphisms, or SNPs, using array analysis technology from Affymetrix in Santa Clara, CA. Through the National Institutes of Health (NIH), the resulting information will be available to other researchers, along with a trove of patient data including patients' Kaiser Permanente electronic health records, information about the air and water quality in their neighborhoods, and surveys about their lifestyles.

    And people wonder why I hate electronic records.

  21. People won't pay regardless the cost by Shivetya · · Score: 1

    People will take on car payments, get a new cell, or something else, all before paying for their medical coverage. If the cost of coverage interferes with their ability to buy something they want they will declare the cost of coverage too high. Yet they see no problem fifty plus per month for a cell plan, much more for family plans, will probably have cable tv and one or two car payments.

    For a large number of people it comes down to the fact they prefer to live in denial of the need and are just hoping if they hold out long enough someone else will pay for it, even if they tacitly acknowledge it will be through taxes that will increase and they will be paying it anyway.

    In other words, they need to be forced to buy it. It just helps knowing others are forced as well.

    --
    * Winners compare their achievements to their goals, losers compare theirs to that of others.
    1. Re:People won't pay regardless the cost by Archangel+Michael · · Score: 1

      OR

      You can DENY health care for those that AREN'T covered by insurance and can't afford to pay it.

      As long as there are no consequences for NOT having Health Insurance, then the problem remains, and the system stays broken.

      Now queue the whiny liberals "what about the children". These are usually the same liberals who whine about the very same argument when it is made by conservatives. Both sides use the lame "Do it for the children" argument.

      FYI, that is a cheap way of simply ignoring the bigger problem, which is government shouldn't intrude on people's private lives and decisions ... EVER.

      Vote Libertarian and get rid of this childish logic.

       

      --
      Agent K: A *person* is smart. People are dumb, stupid, panicky animals, and you know it.
    2. Re:People won't pay regardless the cost by Anonymous Coward · · Score: 0

      People will take on...

      Nothing further in your post needs to be read to see the logical fallacy in your argument.

      You state flatly out right that ALL people are that way. Do you not realize it only takes ONE person, even literally just one person out of the planet full of people, to make your entire statement false?

      I can name at least three people, not including myself, that defy your widely generalized false statement.

      Just one person not matching, which myself would count as, is proof that not ALL people are the way you think. Thus your statement is proven false.

      You just made a liar out of yourself by poor choice of words, by saying 'all' instead of 'most' or 'some'.

    3. Re:People won't pay regardless the cost by HiThere · · Score: 1

      He didn't say "All people". That was your addition. He said, as you quoted, "People will take on...", which I tend to parse as "People will typically take on..." or "People will frequently take on...".

      You can argue as to whether his assertion was correct, but there are a large number of examples that indicate he may be. Putting your own reading of his words into his mouth, however, is an illegitimate form or arguing.

      --

      I think we've pushed this "anyone can grow up to be president" thing too far.
    4. Re:People won't pay regardless the cost by Anonymous Coward · · Score: 0

      Try to get a quote for someone who has both type I diabetes and asthma and any third chronic condition. You may specify that the plan does not include costs associated with the above conditions. You may not however get quotes for joke insurance. Nothing counts if it has a max limit of 10k dollars or out of pocket of over 40%.

      I met the family of a teenage girl once while camping. One girl had had boiling water spilled on her back when she was very young. She had lots of expensive medical treatments and but was healthy except for some scarring on her skin.

      However, because she had exceeded the max limit of AN insurance plan at one point in her past, the appendectomy she need at 12 years old was not covered by the employee group plan. This was a different company than the one that provided coverage for the burn treatment.

      I was told she will never have any coverage ever in the current system even when she gets a job with an employer with group coverage.

    5. Re:People won't pay regardless the cost by Anonymous Coward · · Score: 0

      Let's say there's this redneck chick. She's a single mum, with 7 kids by different fathers. She might have had no education, and was maybe beaten as a kid herself.

      Her youngest kid is 2 months old. He's sick, needs to go to hospital. He might have just as much, even more, potential as the rich middle class white kid who continues to be offered opportunities all through his life.

      The mum might be a total idiot and loser. But that's not the kid's fault. Maybe mum had that potential too but due to social problems out of her control (her crap parents) she is now in this situation.

      Denying the kid cover because you don't like the parents is pretty fucking lame. Had you been born into that same family, that's precisely what might have happened to you.

      Sometimes 'for the children' makes sense.

    6. Re:People won't pay regardless the cost by Anonymous Coward · · Score: 0

      Rule #1: Life is not fair.

      Rule #2: See Rule #1

      Who pays? If we're gonna pay for that, why not force the mum to be sterilized after say the second kid. Because kids #3-#7 are ALREADY a burden on our society, and costing more than they will produce. And chances are, they will end up criminals and in jail/prison for long periods of time.

      Opportunities are offered to everyone, some just realize what they have. Struggles are opportunities in desguise. I'll point to Wilma Rudolf (long time ago) who got "polio" and was told would never walk. Or how about Ray Charles. Or George Washington Carver.

      You can look at your situation and say one of two things .... "woe is me" or "wow, what an adventure".

      Life is a crapshoot. People get sick, people die. Is it fair that some little kid has cancer and is gonna die? HELL NO. But realizing that SHIT happens is part of life. We can't protect everyone from everything and all the consequences of their choices, or the choices of others. Because, when we start down that street, we end up with the great big NANNY state, telling us how to do EVERYTHING. Can't smoke in the park, noooo, kids might get a wiff of second hand smoke.

    7. Re:People won't pay regardless the cost by bkr1_2k · · Score: 1

      For a large number of people it comes down to the fact they prefer to live in denial of the need and are just hoping if they hold out long enough someone else will pay for it, even if they tacitly acknowledge it will be through taxes that will increase and they will be paying it anyway.

      Or perhaps they recognize that the "need" for insurance for most individuals just isn't high enough to warrant the cost? Insurance is a waste of money for healthy people unless they engage in somewhat dangerous activities for hobbies. It is a way to subsidize people who don't have the means to pay their own expenses. Let's not even get into the undercurrent of the issue, which is the mutual back-scratching of Insurance and big pharmaceuticals and medical technology companies that drive medical prices ever higher.

      --
      "Growing old is inevitable; growing up is optional."
    8. Re:People won't pay regardless the cost by kurzweilfreak · · Score: 1

      Thank you, Anonymous Coward. It's good to know that there are people out there that get it. You should have signed in.

      --

      kurzweil_freak

      5th Kyu Genbukan Ninpo/KJJR student

      Be the darkness that allows the light to shine.

  22. insurance companies already get your DNA~! by Anonymous Coward · · Score: 0

    life insurance already requires a DNA sample. the labs just don't sequence it. you ever try to buy life insurance over 100K? they send the nice lady out to take your blood:)

  23. All your DNA by Anonymous Coward · · Score: 0

    All your DNA belong to us!

  24. they need to make hte perfect ACTOR by CHRONOSS2008 · · Score: 0, Funny

    so they can clone them....

    So i can take over the world pinky....

  25. Bad summary by neurogeneticist · · Score: 2, Informative

    Of note, this is single nucleotide polymorphism (SNP) genotyping, and NOT sequencing. Only 700K common variants will be genotyped. While individuals could certainly be identified in the database by their SNPs (as few as 24), this project does not employ high-throughput sequencing. The title of the summary is misleading.

  26. Overheard in the doctor's office... by idontgno · · Score: 2, Funny

    "Well, it appears that DNA analysis proves that you are actually a Streptococcus mutans bacterium. I recommend against antibiotics or toothbrushing in order to extend your lifespan."

    --
    Welcome to the Panopticon. Used to be a prison, now it's your home.
  27. Permission ? by Anonymous Coward · · Score: 0

    "Let's hope that they got permission from the patients' doctors first."

    Rather, let's hope that they got permission from the patients (or that their doctors did so).

  28. Re:Don't you mean..... exactly by SlideGuitar · · Score: 1

    What on earth? The patients' doctors are irrelevant here, legally and ethically. It is patient consent that matters.

  29. NO NO NO... not gene sequenced by CupBeEmpty · · Score: 2, Informative

    This is not the same as sequencing their genomes. This will not provide a full sequence of each person's genome. It will look for specific mutations that have already been identified and tell us who has certain point mutations.

    Think of it as the difference between having the full text of the file in the case of sequencing and having a count of the number of times the writer wrote "teh" instead of "the"

    This is not to say that this study is without merit but it is not gene sequencing or genomic sequencing.

    For more information on SNP arrays wikipedia is helpful and if you really want details you can talk to Affymetrix (I bet these are the arrays they will use).

    1. Re:NO NO NO... not gene sequenced by Anonymous Coward · · Score: 0

      It is probably *not* the Human SNP 6 chp - the Human SNP 6 chip has close to 1800,000 markers (about 900,000 SNPs and 900,000 CN - copy-number variant - probes). So the 700,000 SNP figure doesn't add up - either they discount monomorphic SNPs i.e. those which does not vary on white people, and hence no information is gained - but there is still 900,000 CN probes, - or, for such a large contract, Affymetrix can be persuaded to develop a cheaper new product than the Human SNP 6.

  30. Gattaca anyone? by PalmKiller · · Score: 1

    Getting ready for real world Gattaca I see.

  31. As a former and future California resident by moxley · · Score: 1

    I can say without a doubt that Kaiser Permanente is hated...for many reasons. All of the worst things you've heard about managed care/hmos, etc crystalled in one company.

    1. Re:As a former and future California resident by TheSync · · Score: 1

      I can say without a doubt that Kaiser Permanente is hated...for many reasons. All of the worst things you've heard about managed care/hmos, etc crystalled in one company.

      I bet the "public option" will look very much the same...a "public option" will, like Kaiser, insist you take the "blue pill" that costs half the price.

    2. Re:As a former and future California resident by moxley · · Score: 1

      I guess how you feel about that depends on whether you have or can afford good health insurance now.

  32. California? by morgauxo · · Score: 1

    They could do this better in Florida.

  33. It's only AFTER the gene sequencing is complete... by pandrijeczko · · Score: 1

    ...that your State Governor will activate Skynet and nuke the site from orbit.

    --
    Gentoo Linux - another day, another USE flag.
  34. Family histroy more accurate by Bob54321 · · Score: 1

    I do not think that anyone has pointed out that even with samples sizes that big, we can only figure out the genetic architecture of complex disease to an extent that makes it no better than family history for predicting disease. In fact, I hazard it will still be an order of magnitude worse. Obviously, the researchers did not point that out to the health insurance companies paying for it because I am sure that they will still find many interesting things.

    --
    :(){ :|:& };:
  35. price of geonotyping by Anonymous Coward · · Score: 0

    SNP 6 was about US$200 per sample the last time I checked (bulk purchase - I actually worked on SNP 6 data), so 100,000 samples is a contract worth about twenty million US dollars to Affymetrx, and you can probably pursuade them to do a few things for you if you give them a business that size. (like cleaning your laundry and ironing your shirts...)

  36. The patients' doctors? by FrozenGeek · · Score: 1

    Forget the patients' doctors. What about getting permission from the patients themselves?

    --
    linquendum tondere
  37. Why permission from the Doctors? by eviljav · · Score: 1

    Why in the world would you think they should have permission from the patients doctor, and not from the patients themselves?

  38. Health inssurance will LOSE big on this by Anonymous Coward · · Score: 0

    It goes both ways:

    I apply for health insurance and if they find me eligible, I dump them because I know I don't need THEM.

    On the contrary, if they reject me, then I know that when my genetic curse eventually gets me, then it will be futile to pay big money for medical care like as dumping it down the drain, so I just choose not to pay, die early (everybody dies eventually) and save more of my assets for my family.

    Both ways, THEY (the health "care" leeches) would have been better off if they didn't screen me in first place.

    1. Re:Health inssurance will LOSE big on this by bkr1_2k · · Score: 1

      This assumes they supply you with the details of why you were rejected.

      "I'm sorry, sir, you've been rejected because of a genetic predisposition for Parkinson's disease" is a lot different than "I'm sorry, sir, you've been rejected because you may contract a disease."

      Not having the details of what you might be in store for in your future means you can't just assume it's a life threatening disease. You have to assume it isn't life threatening but painful, debilitating, and expensive to treat before you can just say "it's not worth it to pay insurance costs".

      --
      "Growing old is inevitable; growing up is optional."
    2. Re:Health inssurance will LOSE big on this by madcow_bg · · Score: 1

      Both ways, no health insurance for you. YOU are still screwed. Who the fuck cares if they are getting screwed, you are, and that is all you care about.

  39. permission from the doctor? by Anonymous Coward · · Score: 0

    How about permission from the patient!

  40. Great For Insurance Companies ... by Anonymous Coward · · Score: 0

    so they will be able to either deny any healthcare coverage whatsoever, or consider a genetic predisposition as a pre-existing condition, or push all these prospective patients into a profit-sapping assigned risk public healthcare program. What's next from our private for-profit healthcare death panels, forced euthanasia? Fascism, or the Corporate State, is based upon privatized profit and socialized risk We are very nearly all the way there. Soylent Green IS PEOPLE!